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Health Insurance

NIC offers many health insurance plans to fulfil different requirements of customers. Health plans are designed in a pocket-friendly way to meet today's expensive medical expenses.

The cost of medical treatments can break your savings, but with the help of right health insurance, you can stay covered.

Health Insurance Plans by National Insurance Company

National Parivar Mediclaim:

National Parivar Mediclaim Policy is a perfect family floater health plan offered by National Health Insurance. The plan provides an option to cover the family members – you can cover yourself, spouse, dependent children (even your newborn) and parents under a single policy with one sum insured. You can opt for a sum assured from Rs.1 lakh to Rs.10 lakh. You can also opt for an additional cover by paying an extra premium. You get a 5% of a discount on the base premium for every claim-free year.

Under this plan, you also get maternity cover, hospital cash, and ambulance expenses. Moreover, you can also opt for an optional critical illness benefit.
National Parivar Mediclaim Plus:

National Parivar Mediclaim Policy Plus is a comprehensive family floater health plan. There are 3 variants under this plan: Plan A, Plan B, and Plan C. You can opt for this plan to cover your family members – you can cover yourself, spouse, dependent children (even newborn), parents/parents-in-laws under a single policy with one sum insured. You can opt for a health coverage up to Rs.50 lakh.

Other Benefits: Maternity cover, Ambulance expenses, Hospital Care, Expenses related to infertility treatment. These plans provide Good Health Incentives every 2 years irrespective of claims. You can also opt for an additional cover by paying an extra premium. With every claim-free year, there's a 5% discount on the base premium of the policy.

National Mediclaim Plus Policy:

National Mediclaim Plus Policy is a comprehensive coverage plan that helps with medical expenses. There are 3 variants under this plan: Plan A, Plan B, and Plan C. You can opt for this plan to cover your family members – you can cover yourself, spouse, dependent children (even newborn), parents/parents-in-laws under a single policy with one sum insured. You can opt for a health coverage up to Rs.50 lakh.

Other Benefits: Maternity cover, Ambulance expenses, Hospital Care. These plans provide Good Health Incentives every 2 years irrespective of claims. You can also opt for an additional cover by paying an extra premium. With every claim-free year, there's a 5% discount on the base premium of the policy. And in every 2 years, you are provided with a medical check-up irrespective of claims.

All the variants of National Mediclaim Plus provide the option of having a second opinion from World Leading Medical Centres if the insured is diagnosed with a serious illness.

Parivar Mediclaim:

National Insurance offers Parivar Mediclaim policy, which provides protection to the insured and their family. It covers the expenses of treatment in hospitals for illness/ disease/ accidental injury. It is a family floater plan wherein the entire family consisting of self, spouse & two dependent children (from 3 months to 25 years old) are covered under a single policy with a floater sum insured.


Sum Insured (SI) / Coverage option	Rs.2 lakh to Rs.5 lakh (in multiples of Rs.50,000)
Renewability	Up to the age of 65 years

You can avail cashless claim facility through TPA. Total expenses payable for any one illness is restricted to 50% of the sum insured.

National Mediclaim Policy:

The National Mediclaim policy covers the expenses incurred due to the hospitalization due to the treatment of illness, disease or any bodily injury during the policy period. It also covers 140+ day care procedures/ surgeries. You can cover dependent children between the ages of 3 months to 18 years within the plan.

You can opt for a sum assured of Rs.50,000 to Rs.5 lakh. Also, the plan provides a cumulative bonus for claim-free years and ambulance expenses.

Read more about national health insurance

Commercial Insurance

National Insurance also provides commercial insurance products to meet growing demand of coverage against the risk of commercial losses and damages. NIC offers various plans such as Standard Fire and Special Perils, Shopkeepers Insurance, Insurance plans related to various aspects in Marine, Credit Insurance.

Commercial Insurance Plans:

Standard Fire and Special Perils:

This policy covers all properties on land (except cost of land), moveable or immoveable, at various locations against the perils mentioned in the policy. However, the policy coverage can be extended with additional premium and certain perils can be deleted with discount in premium rates.

NIC also offers special types of policies for stocks (declaration and floater), building, plant & machinery. Moreover, long term policies are also available.
Shopkeepers Insurance:

This policy covers building, contents, money, pedal cycle, plate glass, signs, baggage, personal accident, fidelity guarantee, liability and business interruption.

This policy is meant for shop-owners, shopping arcades & complex, shops or showrooms, dealers where the coverage of the insurance policy does not exceed Rs.2 crores.
Credit Insurance:

Cover your corporate houses with Credit Insurance Policy offered by National Insurance Company (NIC). It is a comprehensive protection plan to cover corporate houses.

Credit Insurance is truly a financial risk management plan, which enhances the receivable management process.
Marine Insurance – Marine Cargo Special Declarations Policy:

It is an open policy with a policy term of 12 months with a coverage sum insured for insureds having estimated annual turnover of Rs 2 crores or above.
Marine Insurance – Open Cover:

Open cover is essentially a contract and not a policy, effected for 12 months, which insures all shipments or dispatches done by the Insured.
Marine Insurance – Duty Insurance Policy:

It is not a valued policy. This policy covers the actual duty paid at the port or sum insured, whichever is less.
Marine Insurance – Marine Cargo STOP:

This policy covers the export sales, import, stock transfer, etc. during a financial year.

Rural Insurance

National Insurance provides micro-insurance plans to insure lower income class. NIC offers health and personal accident cover.

Rural Insurance Plans

Gramin Suswasthya Microinsurance Policy:

It is a family floater health insurance plan covering hospitalization expenses of the entire family of the insured. Moreover, it also offers personal accident coverage to the insured and his/her spouse.

It covers the insured and the spouse in case of in-patient hospitalization expenses, personal accident, and outdoor patient expenses OPD only due to accident. Any Indian resident of age in between 3 months to 60 years can opt this plan.

Gramin Suraksha Bima Policy

National Insurance Company offers micro-insurance plan, which covers three sections for lower income group people.

The three sections are divided as Section I that covers building and its contents, the section II that covers hospitalization expenses of the insured family, and section III that covers personal accident of the insured and spouse.

Any Indian resident of age in between 3 months to 60 years can opt this plan.

Personal Accident Insurance

Personal Accident Cover by NIC – Individual Personal Accident Plan

Individual Accident Policy

The insured is covered against the accidental death and permanent total disability.

Personal Accident Insurance policy by NIC provides the beneficiary with a death benefit in the unfortunate event of an accidental death of the insured. And provides the insured with cover against Permanent Total Disablement (PTD) caused due to an accident.

You can also opt for an optional additional cover accidental hospitalization expenses and accidental hospital daily allowance. Moreover, there is no health check-up is required to purchase the policy.

Other Personal Insurance Plans by National Insurance Company Limited

Janta Personal Accident Policy:
Householders Insurance:

Janta Personal Accident Policy

Janta Personal Accident Policy covers the insured in case of permanent total disablement, permanent partial disablement, and death. Eligibility Criteria: It covers any individual in between the age of 10 years to 70 years irrespective of gender, occupation, and profession.

Coverage: An individual can get a coverage as low as Rs.25,000/year on paying a premium of Rs.15. The maximum coverage an individual can get is Rs.1,00,000/year on paying a premium amount of Rs.60.

Moreover, one can buy a policy for a long term that covers an individual up to 5 years.

National Householders Insurance Policy

It is a comprehensive insurance policy for a householder to get a protective shield for house building and household contents. Cover your house against fire and allied perils, burglary, housebreaking, etc. Moreover, you can also cover the structure of your building (home), with an additional policy of Standard Fire and Special Perils policy that covers your building structure.

Householders Plan Details:

You can insure your house even if it is still in the under construction phase and also your house contents after the house is built. To insure your house when it’s in under construction phase, you can opt for a Special Fire and Special Perils policy. Post construction, you can opt for a householder policy. Your household possessions and all the family members permanently residing with you in the house are covered.
Householders Plan covers:

NIC householder’s plan covers house building and household contents.

Only Section I-B (Fire & Allied Perils) cover against household contents is mandatory. You need to opt two more (any section) from remaining nine sections.

To cover household contents, there are ten sections, which are mentioned below:
Under Section I: Fire & Allied Perils:

A) For House Building B) For the household contents

Under Section II: Burglary & Housebreaking including larceny or theft (Contents only)

Under Section III: All Risk against valuable items

Under Section IV: Plate Glass Cover (fixed)

Under Section V: Breakdown of domestic appliance

Under Section VI: Television Sets (All Risk) cover

Under Section VII: Pedal Cycle (All Risks) cover

Under Section VIII: Baggage Insurance

Under Section IX: Personal Accident Insurance

Under Section X: Public Liability & Workman Compensation Risks

Car Insurance

National Insurance Company offers motor insurance plans for your car. Motor insurance plans by NIC are pocket-friendly, which protects you from digging a hole in your pocket in case of an unfortunate accident.

Car Insurance Plans by National Insurance Company:

National Insurance Company offers two types of car insurance policies, third party and comprehensive.
Third party liability:

The national car insurance policy insures you financially against the financial liability from any bodily injury caused to a victim by the insured car. The car insurance policy also covers you in case of any damages caused to the third party property.
Comprehensive car insurance policy:

The car insurance policy is a financial shield against damages caused by any type of natural or man-made calamities to the car. Your car is covered against fire, explosion, storm, theft, etc.

With comprehensive package policy you stay financially covered against unknown man-made or natural perils that may cause damage to your car. Under a comprehensive policy, you also get liability cover, so the third-party liability cover is also covered.
Motor Insurance Plans:

Motor insurance plans by NIC also provide personal accident cover for the owner-driver. There are optional add-on covers, which can be attached to your car insurance policy, which increase the plan coverage.

Two Wheeler Insurance

National Insurance Company provides motorcycle / two wheeler insurance policy, which covers the losses and damages incurred to or by the insured vehicle.

Two Wheeler Insurance Plans

NIC provides two types of two wheeler insurance policy:

Third party liability policy:

A third party insurance policy covers any loss or damages to the third party incurred by the insured vehicle. It covers the third party bodily injury and property damages caused by the insured two wheeler.

Comprehensive two wheeler insurance policy:

It is a comprehensive package for your two wheeler. The policy provides the cost of damages incurred to your vehicle because of any natural or man-made perils.

The comprehensive two wheeler policy also includes the third party liability cover. This way, you are insured against the financial loss caused to the third party property or bodily injury to the victim by the insured motorcycle due to an accident. The two wheeler insurance policy also provides a compulsory personal accident cover for the owner-driver/rider.

Industrial Insurance

National Insurance Company (NIC) provides industrial insurance plans to cover various industrial risk involved in erection of a plant, machinery, contractor, contractor plant and machinery, electronic equipment.

Industrial Insurance Plans

Erection All Risk:

Erection All Risk Insurance by NIC provides risk coverage against industrial projects involving erections of equipment and other similar erections alike.
Machinery Insurance:

NIC offers machinery insurance to cover the risk against damages of rotating and static equipment when operating or at rest against any mechanical and electrical breakdown and also due to human error and negligence.
Electronic Equipment Insurance:

NIC offers risk coverage plan against electronic equipment under Electronic Equipment Insurance plan. But, the risk is against those electronic equipment which are not affected even with the slightest changes in ambience conditions.
Other Industrial Insurance:
- Contractor All Risk
- Contractor Plant and Machinery

Company Name	National Insurance Company Limited
Company type	Public sector (Nationalization in 1972)
Establish Date	5th December, 1906
Headquarter	Kolkata, West Bengal, India
Industry	Insurance, Financial services
Products	Insurance
Operates in	All over India and Nepal
Website Address	nationalinsuranceindia.nic.co.in

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