National Insurance Company Health Plan

Would you please give here detail about the National Health Insurance plan / National Mediclaim Policy of National Insurance Company ?

[Shaleen]

National Insurance Company Limited (NICL) is a fully central government owned general insurance company . The company was established in 1906.

National Health Insurance/ National Mediclaim Policy:

Eligibility

Entry age :
18 years to 65 years.

Children between 3 months and 18 years .

Medical Screening:
Not required for persons up to 50 years.

Required for persons over 50 years

Reimbursement of screening costs - 50% when propose qualifies as a client.

Cover
Rs.50,000 to Rs.5 lakhs
(in increments of Rs.25,000).

Cover Events:

Inpatient hospitalization .

Up to 25% of sum assured for room expenses.

Up to 50% of sum assured for :
anaesthesia, blood, oxygen, OT charges, surgical equipment, medicines, drugs, diagnostic equipment, pacemaker, prosthesis, implants, stents, dialysis, chemo/radiotherapy, donor hospitalisation expenses

Ambulance costs

Ayurvedic and Homeopathic treatment.

Over 140 day care procedures.

Up to 30 days of pre-hospitalisation expenses.

Up to 60 days of post-hospitalisation expenses.

Pre-existing diseases.

Accidental injuries .

Exclusions

STDs including HIV and related diseases
General enervation,
Maternity,
Obesity,
Psychiatric and related ailments,
Genetic disorders,
Unnecessary vaccinations,
Cosmetic/sex change surgeries,
Lipid Profiling,
Blood Sugar,
Serum Creatinine,
Urine Tests,
Microscopic Exams,
ECGs,
Eye checkups and retinoscopy,
Treatment by unqualified doctors.