4 Easy Ways to Renew Your Mediclaim

National Insurance, founded in the year 1906, is one of the leading public-sector insurance providers that specialize in car, two wheeler, travel, home and mediclaim insurance policies.
They provide a range of cost effective health plans for individuals and families alike.

The top National health insurance policies are as below:

• Individuals: Mediclaim Policy
• Lower Income group: Gramin Swasthya Micro-insurance, Gramin Suraksha Bima yojana
• Families: Parivar Mediclaim, Parivar Mediclaim Plus Policy
• Senior Citizens: Varishta Mediclaim Policy
• Overseas: Mediclaim Policies for Business, Holiday, Employment and Studies

Some of the key features of the National health insurance policies are as below:

• Cashless settlements are available in hospitals falling under the network and reimbursement is provided in case the hospital falls outside the network.
• Both individual and family health insurance plans are available. In case of individual, anyone between the ages of 18 to 80 years can be covered under the mediclaim policy. In case of family, spouse and dependent parents are covered, children, if any, must be below the age of 25 years.
• In case you are buying a national health insurance policy, you need not go under a medical test for the same. But, if your age is higher than the limit of 45 years, you need to submit a self declaration medical form duly signed by you.
• Premiums paid can be declared under section 80-D of the Income Tax act.
• National insurance mediclaim renewal does not include a loading clause even after a claim has been made.
• In case of overseas mediclaim policies, payouts are made in foreign currencies while the premiums are made in Indian currency. Any medical payments made abroad in hospitals that do not fall under the network, can be claimed under these policies.
• The Gramin Swasthya insurance policy is specifically designed for the benefit of the lower income group providing them with health insurance plans and an additional accident cover for the insured and their spouse.
• The National insurance mediclaim renewal process can be completed online.

To enjoy the coverage benefits of your mediclaim policy it is essential you renew the same before the due date. Keep a track of the due dates of your policies; add reminders in your calendars. Lapsing of the health insurance policy can have grave dangers. You lose coverage and moreover you could end up buying a whole new policy.

With the advent of technology, buying, renewing insurance policies have become much easier. A few clicks, provide basic details and you can have your National insurance mediclaim renewal done in just a matter of few minutes. You need to keep details such as the policy number, date of birth, and other contact details handy.

Here are 4 ways through which you can get National insurance mediclaim renewal done:

Through Credit Or Debit Card

• Log on to the National insurance website and search for the renew option that is present under the health insurance menu.
• Enter your policy number, email id and click on the Proceed button which will take you to a new page.
• Next you have to enter detailed information about your policy and contact details.
• Upon submission of the required details, a notice will be generated which will have details such as the renewal premium amount.
• You can either choose to pay this amount through a credit or debit card.

Through Net Banking

The above mentioned steps to get your National insurance mediclaim renewal done have to be repeated. Once you have logged in to the national insurance website and submitted the required details, the renewal premium amount can be paid through the online net banking option.

On choosing this option, the National insurance website will take you over to your respective banks website, where you can complete the renewal transaction.

Independent Online Portals

Buying or renewing of policies has become simpler, thanks to the number of online portals available. You can get detailed information and also compare different policies to understand which works better in your favor.

• Paying through online portals is a secure and hassle free option. Visit any online portal and find the renewal option on their website.
• You might then be prompted to select the insurance company of which you hold the policy.
• You will be asked for details like your policy number, date of birth and contact details, post which the premium amount will be displayed on your screen.
• The premium for the National insurance mediclaim renewal can be paid online through credit/debit card or net banking.

National Insurance Branch

In case you are not familiar with the online renewal options, you can always visit the nearest branch to get your National insurance mediclaim renewal processed.

Take full advantage of the online facilities made available, save time, visit the insurance company’s own website or an online portal and complete your National insurance mediclaim renewal process in minutes.