Mediclaim Plus Policy By National Insurance

The National Insurance Company is an established and well-renowned insurance company in India. The company got nationalized in the year 1972 and since then it is under the General Insurance Corporation of India, a government subsidy.

There are several health insurance plans offered by National Insurance Company. The National Insurance premiums of these plans are quite affordable and a user can find one that suits his budget. The National Insurance Company online renewal helps customers revive the policy coverage by easy and convenient payment methods.

The Basic Health Insurance Plans by National Insurance

• National Mediclaim Policy
• National Parivar Mediclaim- A family floater policy
• National Parivar Mediclaim Plus- A family floater policy
• Mediclaim Plus Policy
• National Insurance Personal Accident Policy
• Varistha Mediclaim Policy for Senior Citizens
• Critical Illness Policy
• Mediclaim policies for overseas travelers

Each of these National Insurance Company Policies is designed to suit the various needs of the customers. They marginally vary in the coverage offered.

Mediclaim Plus Policy- Details

This Mediclaim Plus Policy is an extension of National Insurance Mediclaim policy with some added benefits. This plan not only covers the basic health benefits, but also a wide range of healthcare expenses. With the National Insurance Company online renewal, reviving the policy is simple. 

Listed below are the National Insuance Medicalim Plus Policy details.

Eligibility

The policyholder should be above 1 years of age. The insurer can, in turn, cover his/her spouse, dependent children and parents. The dependent children must be more than 3 months old and parents less than 65 years.

The Features

The Mediclaim Plus Policy by National Insurance offers three varying plans and you can choose the one that suits your needs and budget the best.

• Plan A offers coverage of Rs 2 lakhs up to Rs 10 lakhs
• Plan B offers coverage of Rs 15 lakhs, Rs 20 lakhs and Rs 25 lakhs
• Plan C offers coverage of Rs 30 lakhs, Rs 40 lakhs and Rs 50 lakhs

This plan can be renewed for a lifetime with National Insurance Company Online Renewal

Coverage and Inclusions

The Medicalim Plus plan offers a wide coverage apart from the medical expenses incurred during hospitalization. They include:

• Pre-hospitalization (a month before hospitalization) expenses
• Post-hospitalization ( 2 months after hospitalization) and day-care expenses, nursing care after discharge and doctor visits to the house
• Hospitalization expenses of an organ donor in case if any
• Maternity benefits and hospitalization charges for the first two pregnancies
• Not just allopathic treatment but also homeopathic treatment
• Any pre-existing disease of the insured (after a waiting period of three years)
• All expenses of in-patient treatment that include room charges, ICU charges, medical fees, surgical expenses, anesthesia charges, diagnostic tests, expenses towards surgical tools, blood and oxygen charges, equipment implanted internally during surgery. 
• Vaccination, Cash allowance of the hospital, ambulance services including air ambulance
• Some optional covers that are related to a critical illness and health check-ups 
• During hospitalization of the insured, the coverage also includes round-trip of the family member.
• In case of diagnosis of a serious illness, the company arranges for a second opinion from specialists and also covers the cost

Exclusions

This plan like all other National Insurance health policies has certain exclusions. The policy does not cover:

• Sexually transmitted diseases like HIV, AIDS
• All genetic disorders and diseases
• Lifestyle disorders like obesity
• Alcohol addiction and drug addiction and other forms of substance abuse 
• Cosmetic procedures that include plastic surgery
• Gender-change surgery and other voluntary operations
• Non-emergency procedures which are experimental like purchase of spectacles, lens and hearing aids

National Insurance Company Online Renewal Procedure

As a customer, you can enjoy all the benefits offered by the National Insurance Mediclaim Plus policy as long as the policy is renewed before the due date. It is crucial to pay the premium on time to avoid policy lapse. National Insurance Company online renewal process is relatively a simple one. 

You can alternatively visit any National Insurance Company branch in your neighborhood and make a cash payment at their office to renew the policy.

Here are a few steps to follow for a successful National Insurance Company online renewal process.

• Log in to the National Insurance Mediclaim Plus policy website
• Enter your policy number and date of birth in the necessary column to continue
• Click on the Health Insurance and you will find the ‘renew’ option in the drop-down menu
• A new tab will be opened
• Enter your policy details wherever necessary and select a mode of payment

Make a payment through Net banking, Debit card or credit card for a successful National Insurance Company online renewal. Print the receipt or save it for further reference.

Claim Settlement

Apart from National Insurance Company online renewal, you can also check the policy status online. For claims settlement, the form has to be filled and submitted along with the necessary documents to the policy issuing office. After the evaluation, the claim will be settled. The process will take a few days.