National Insurance Company Limited is offering comprehensive health Insurance in National Mediclaim Policy. The policy is loaded with unique advantages covering cashless hospitalization for the treatment of illness/disease, the injury sustained or contracted during the policy term. Reimbursement facility along with cashless treatment is also available in National Mediclaim Policy. It also covers over 140 daycare procedures. National Mediclaim Policy also offers homeopathic & Ayurvedic treatment along with allopathic treatment.
However, allopathic treatment is covered up to 100% of the sum assured while homeopathic & Ayurvedic treatment is covered up to 20% of the sum assured.
In addition to health coverage, National Mediclaim Policy also provides the cumulative bonus, health checks up, family discount, etc. if no claims are reported.
National Mediclaim Policy can be taken for one year, which can be renewed year-on-year basis. National Mediclaim Policy is available for people falling in the age group between 18 to 65 years. However, it covers financially dependent children.
National Mediclaim Policy holders have the benefit of cashless treatment at over 6000 hospitals across India.
Mediclaim policy offers insurance cover that protects you against the financial burden caused due to hospitalization in case of illness or an accident.
Mediclaim policy offers all the benefits in exchange for the annual premium paid to the insurance company.
Mediclaim is a form of health insurance that comes with a fixed period.
You have to renew the policy after the defined period to avail the benefits of the policy.
You can opt for the cashless process to claim your hospitalization expenses. You can also get reimbursement for the expenses incurred in hospitalization.
Besides, you can also get the tax exemption for the premium paid under section 80D of the Income Tax Act 1961.
Benefits of Mediclaim Policy
• Financial support in crisis time such as accident
• Safeguard against hospitalization expenses
• Tax exemption under section 80D of the Income Tax Act 1961.
• The cashless facility means no expenses from your pocket.
• Best healthcare services at minimum cost
Types of Mediclaim Policy
Family Floater Mediclaim Policy
It covers the entire family spouse, children, and parents along with the policyholder.
Group Mediclaim Policy
Generally, employers purchase this policy for the employees and other members of the company.
Individual Mediclaim policy
As the name suggests, only the policyholder is covered in this policy against medical expenses arising out of hospitalization.
Critical illness Mediclaim Policy
This policy covers critical illnesses such as cancer, kidney failure, paralysis, stroke, organ transplant, etc.
Overseas Mediclaim Policy
Under this Mediclaim Policy, the policyholder can get the claims of hospitalization expenses incurred overseas.
Senior Citizen Mediclaim Policy
Senior citizens are covered for medical expenses for hospitalization in this policy with special provisions.
Best Mediclaim Policy & Companies
• Aditya Birla Mediclaim Policy
• Bajaj Allianz Mediclaim Policy
• Bharti AXA Mediclaim Policy
• Care Health Insurance & Mediclaim Policy
• ICICI Lombard Healthcare Plus
• Max Bupa
The process to file Mediclaim
If you are looking for a cashless treatment option, then you should contact the insurance company at the time of hospital admission.
You are required to submit the claim form along with a doctor’s report to get approval for the cashless treatment.
If the request is approved, the insurance company will settle all the bills with the hospital.
Initially, keep all your bills, reports, and receipts in order. All the bills & reports should have the patient’s name, price, and other details.
Collect the claim form from the nearest branch of the insurance company or download it from the website. Fill in the details as per instructions given in the claim form.
Get the claim form signed by the policyholder and stamp it with the official seal of the hospital.
Enclose all the relevant documents along with the form like
• Bills and Receipts
• Medical certificate by the doctor
• Patient’s discharge summary
• Investigation report
• In case of an accident, FIR also required
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