Best National Health Insurance Plans In India

Rahul Sharma has bought a health insurance plan, suggested by one of his friends. Recently, his mother was hospitalized but when he tried to go for a cashless claim with the insurer, his claim got rejected due to some reasons. And he had to spend the entire amount from his pocket. Therefore, buying a health insurance plan from a reliable insurance provider becomes necessary.

Health Insurance plans provide security against high medical expenses by covering various costs related to hospitalization, ambulance costs, etc. Health plans are critical to getting insurance against the significant expense of medical treatments in private hospitals during medical emergencies. And because of the spread of COVID-19, there has been a considerable rise in health care expenses, resulting in an increase in the basic cost of medical treatments. Consequently, health insurance plans help the policyholders in managing the high clinical expenses while backing them financially.

Although the market is flooded with various health insurance plans from public and private insurance providers. National Health Insurance is one of the country’s well-known health insurance providers, which has made its presence in the market through its different health insurance plans. The company has evolved by offering quality services and products backed by modern-day technologies.

The organization offers an array of products, providing several options to the policyholders to choose from as per their requirements. So, let’s know more about National Health Insurance plans by understanding their features and benefits.

1. National Health Insurance Company is one of the most trusted and oldest companies in the country.
2. The leading insurer has a huge loyal customer base.
3. The company offers policies that can be customized as per the requirements of the policyholders.
4. Cashless claims can be made across over 6000 hospitals that are listed with the insurer.
5. There are no limitations on the upper age limit at the time of renewal. The insurer provides a lifetime renewability option.
6. National Health Insurance has a good claim settlement ratio of 83.78% in FY 2019-20, which shows it as a reliable and credible partner.

Now let’s dig deeper into various health insurance plan that National Health Insurance offers:

Best National Health Insurance Plans

Following are the best health insurance plans from the National Health Insurance company:

1. National Mediclaim Plus Policy

This health insurance plan can be purchased for individuals and family members and comes with a sum insured amount ranging between Rs. 2 Lakhs to Rs. 50 Lakhs. The family floater option offers coverage for the policyholders, spouse, children, and dependent parents. It also offers several other benefits such as hospitalization costs, infant cover, maternity benefits, ambulance charges, etc.

2. National Parivar Mediclaim Policy

National Parivar Mediclaim Policy is a family floater health insurance plan offered by National Health Insurance. The policy offers a sum insured between the range of Rs. 1 Lakh to Rs. 10 Lakh. This plan is available in different variants in terms of the varying policy tenure. It comes with a host of benefits such as ambulance charges, maternity benefits, inpatient charges, vaccination care, organ donor expenses, and many more.

3. National Critical Illness Policy

This is a critical illness health insurance policy presented by the National Health Insurance company. It offers a sum insured amount ranging from Rs. 1 Lakh to Rs. 75 Lakh. National Critical Illness policy offers coverage for about 37 listed critical illnesses and provides a lump sum amount to the policyholder at the time of the claim settlement process.

4. National Senior Citizen Mediclaim Policy

Under the National Senior Citizen Mediclaim plan by the National health insurance policy, the policyholder gets thorough coverage for their parents who are senior residents. This policy can be incorporated as a family floater plan with a sum insured ranging from Rs. 1 Lakhs to Rs. 10 Lakhs. The policyholder of the National Senior Citizen Mediclaim Policy can be between the age group of 60 to 80 years. They can avail various benefits under this plan, including hospitalization expenses, hospital cash coverage, ambulance charges, alternative treatment covers, and significantly more.

5. National Super Top-Up Mediclaim Policy

National Super Top-Up Mediclaim Policy provides extended coverage to the policyholders to upgrade their current coverage at a reasonable cost. This super top-up health insurance plan can be purchased either as a stand-alone health insurance plan or an additional health insurance policy by the policyholders. The policy covers all basic medical requirements, including pre and post-hospitalization costs, inpatient costs, organ donor charges, and emergency ambulance covers.

Bottom line

National Insurance Company is a trustworthy name in the insurance sector. Therefore, the policyholders can be sure to be in safe hands while buying health insurance policies for the insurer. The insurer offers different types of health insurance policies backed by different benefits and features that cater to various kinds of needs of its customers.

Suppose you are looking for a health insurance plan as per your requirements. In that case, you can think about the above-mentioned plans when putting your resources into an appropriate health insurance plan offered by the National Health Insurance company. You can look at their highlights and inclusions over the web and invest in the one that is both broad and cost-effective. You should carefully peruse the fine print of the respective health insurance plan to comprehend the inclusions of your medical coverage strategy. To know more about the health insurance policies offered by the National Insurance Company, you can visit iiflinsurance.com and take guidance from their insurance experts.