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National Insurance Health Plan for individuals is a type of health insurance coverage policy for individuals only. National Insurance Company offers three types of health insurance cover for single professionals:
How will the National Insurance Health Plan for Individuals Help You?
If you are a single salaried professional, it is advisable to buy yourself a health insurance cover from the National Insurance Company. A comprehensive national health insurance plan will protect your hard-earned savings from the perils of a hospital bill and accidental injury.
Let us look at each of the plans in detail. Still, confused? Call on 1800 209 9930 and let us handle the rest!
Corona Kavach Policy - National
Sum Insured
Rs. 50,000/- to Rs. 5, 00,000/-
Entry Age
18 to 65 years
Eligibility
self (proposer)
legally wedded spouse
parents and parents-in-law
dependent children (i.e., naturally or legally adopted) between the age day 1 to 25 years
Plan A – 9 slabs, Rs. 2 lakhs to Rs. 10 lakhs in multiple of Rs. 1 lakh
Plan B – 3 slabs, Rs. 15 lakhs/Rs. 20 lakhs/Rs. 25 lakhs
Plan C – 3 slabs, Rs. 30 lakhs/Rs. 40 lakhs/Rs. 50 lakhs
Entry Age
18 years to 65 years
Eligibility
self (proposer)
legally wedded spouse
parents and parents-in-law
dependent children (i.e., naturally or legally adopted) between the age day 1 to 25 years
Premium
Depends on age, the sum insured, and optional covers
Treatment
Allopathy and AYUSH (Up to 100% of SI)
Emergency Ambulance
Ambulance (including Air Ambulance) Charges and Organ Donor’s expenses
Pre and Post Hospitalization
30 days and 60 days respectively
Cashless Facility
Only at network hospitals
What is Covered?
Room Rent/ICU charges, Medical practitioners, surgeon, anesthetist, consultants, specialist’s fees, and other charges
12 Modern treatments like Robotic surgery, oral chemotherapies, immunotherapies and etc
Treatment for morbid obesity post waiting period
Correction of eyesight, i.e., refractive errors above -7.5 D post waiting period
Treatment-related to participation as a non-professional in hazardous or adventure sports
Mental illness, HIV/AIDS, Genetic disorders
Cataract surgery
Doctor’s home visit and nursing care
Maternity and New Born Cover (From birth), Vaccination for children
Hospital cash benefit & Medical Emergency Reunion
Critical Illness and Out-patient Treatment
Lifelong Renewability Option and Health Port Facility
What is Not Covered?
Pre-existing diseases are not covered till the waiting period is over.
Change-of-Gender Treatments, Cosmetic or Plastic Surgery, Excluded Providers
Vitamins, Tonics Drug/alcohol abuse,
Any form of Self-Inflicted Injury/Suicidal Tendencies
Non-Prescription Drug
Home visit charges
Dental Treatment
Outpatient Treatment Department
Note: All information has been sourced from the official website of the National Insurance Company.
Overseas Mediclaim Business and Holiday
Plan A & B - Business and Holiday Travel
Section A also includes cover for emergency dental treatment of up to 225$
Delays in baggage are covered only for outbound International flight if the delay is over 12 hours
Place of Visit
Worldwide Travel excluding USA/Canada (USD - $)
Worldwide Travel including USA/Canada (USD - $)
Type of Cover
A1 - A2
B1 - B2
Section – A
Illness, medical evacuation, repatriation,
50,000 - 2,50,000
1,00,000 - 5,00,000
Section – B
Personal Accident & disablement
10,000 - 25,000
25,000 - 25,000
Section – C
Loss of Checked Baggage
1,000 - 1,000
1,000 - 1,000
Section – D Delay of Checked Baggage
100 - 100
100 - 100
Section – E Loss of Passport
150 - 250
250 - 250
Section – F Third-Party Bodily Injury & Property damage
2,00,000 - 2,00,000
2,00,000 - 2,00,000
What is Not Covered?
Pre-existing disease/illnesses are not covered
Traveling against Medical advice
Traveling for Medical treatment including routine check-up
Any injury resulting from participation in Military, Naval, or Air Force operations/activities
Any injury resulting from suicide/ intentional self injury/ mental disorder/ alcoholism/ drug abuse/HIV related illness including AIDS/STDs
Any injury sustained in winter sports/ mountaineering/ adventure sports
NA
Note: All information has been sourced from the official website of the National Insurance Company.
In Simple Words,
As an individual, it is imperative to have a comprehensive national health insurance policy as a back-up! In case anything were to happen to you, the policy will take complete care of the financial obligations arising out of medical treatment. Know more online on Coverfox.
