National Insurance

National health insurance plans provide a variety of health plans to choose from. You can choose to insure your family too. Don't let your health bills escalate beyond control. You can manage a medical emergency with a good health insurance plan.

National Parivar Mediclaim Policy

The National Parivar Mediclaim policy is a floater policy that covers the entire family including the insured, his or her spouse, dependent children and parents under one sum insured. The sum insured can range from Rs. 1-10 Lakh in multiples of Rs. 1 Lakh. The minimum policy period is 1 year while the maximum is for 3 years. The policy comes with lifelong renewability.

National Parivar Mediclaim Plus Policy

The National Parivar Mediclaim Plus is a product, which is unique as it has innovative features. The coverage offered within this product can go up to Rs.50 lakh. Besides, the cover is offered to the family of the policyholder, children, parents, spouse and even in-laws. All of these are available within one floater sum insured along with lifetime renewability. Essentially, the policy can be bought for a year and can be extended up to 3 years.

Parivar Mediclaim Policy for Family

The Parivar Mediclaim policy by National Insurance protects families against the financial burden of treatment in hospitals for illnesses, diseases and accidental injuries. It is a floater policy where the entire family including the insured, his or her spouse and two dependent children are covered under a single floater sum insured.

National Mediclaim Plus Policy (Individual)

The National Mediclaim Plus Policy is an individual health plan that offers comprehensive coverage by going beyond traditional health covers. National Mediclaim Plus policy is available to individuals between ages 18 and 65 years, and children between ages 3 months and 18 years. The policy provides for pre-, post- and in-hospitalisation expenses and includes cover for day-care treatment. Expenses for allopathic, ayurvedic and homoeopathic treatment are payable up to the sum insured i.e. Rs 2 Lakh to Rs 50 Lakh.

National Mediclaim Policy (Individual Plan)

The National Mediclaim Policy is available to persons between ages of 18 and 65 years and covers hospitalisation expenses incurred for treatment of illness, disease and injury that the insured contracts or sustains during the policy period. The policy has a lifelong renewability option and covers 140+ day care procedures/surgeries.

National Critical Illness Policy:

National Critical Illness Policy by the National Insurance covers all the expenses incurred in case of the policyholder is affected by critical ailments listed. This policy is available to the individuals between ages 18 and 65 years under two plans. Plan A covering 11 critical ailments and Plan b covering 37 critical ailments (including Plan A). You can renew this policy every year throughout your lifetime.

Overseas Mediclaim Business and Holiday:

Overseas Mediclaim Policy is a package policy covering various travel emergencies when travelling abroad. It is available for three categories of travellers – business or holiday, employment or study, and corporate frequent travellers. Claim assistance is available from international service providers. It is available for people who are travelling for holidays and business trips, for further study and employment and also for frequent corporate travellers

Overseas Mediclaim Employment and Studies:

Overseas Mediclaim Employment and Studies is  a package policy that covers travel emergencies while you are travelling overseas. It covers business trips, vacations, and study as well as employment trips. Moreover, it offers coverage to corporate travellers who frequently travel abroad.

Other health insurance plans provided by National Insurance Company are - National Senior Citizen Mediclaim Policy, National Super Top-up Mediclaim Policy, Vidyarthi Mediclaim Policy for Students, and Varishtha Mediclaim Policy for Senior Citizens.

Documents Required for National Health Insurance

Submit the following documents while lodging a claim for your National mediclaim policy-

• Duly filled and signed claim form. You can take the form directly from their office or download it from their site.
• Medical reports
• Hospital bills, receipts, and memos
• FIR report in accidental cases
• Doctor’s prescripts and chemist bills
• Case summary
• Hospital admission and discharge report
• Clearance/other documents

National Motor Insurance Contracts are subject to the elementary principles that are applied to the liability and property insurance in general. The owner of the motor should be a registered owner of the motor whereby s/he stands to the benefit by the security of the vehicle, interest, freedom or right from liability, damage, loss, creation of liability or injury.

National Private Car Insurance:

National Private Car Insurance offers good coverage at a competitive premium. You can compare various plans on PolicyBazaar and choose the one that fits your bill. Remove the blindfold and take an informed decision. You will not only save money but also get a comprehensive plan.

National Two Wheeler Insurance Plans

The National two-wheeler insurance plan is a type of bike insurance online offering financial coverage for all motorcycles in India. Typically, this bike insurance company offers two types of plans, third-party bike insurance cover, and package policy (commonly known as a comprehensive bike insurance policy), ensuring peace of mind for bikers with tailored protection. 

National Commercial Vehicle Insurance

It covers own damages, third-party legal liabilities arising as a result of the death of a third-person, or an accident resulting in bodily injuries of a third person and also third-party property damage from the insured passenger or goods carrying vehicle.

Documents Required for National Motor Insurance

Following are the documents that the insured will have to provide when making a claim:

• Duly filled Claim Form
• Motor Insurance Policy with schedule and endorsement/ clause
• Copy of Driving License.
• Certificate of Registration.
• Police FIR
• Copy of the plan and receipt of payment of premium
• Fitness certificate (Commercial Vehicles only)

National Home Insurance Plans: An average person can buy one house in a lifetime, which is turned into a dream home with a lot of effort. Isn't it wise to protect your sweet home from any unseen eventuality? National Home Insurance policy is an ideal product to buy for insuring your home. The plan is very comprehensive and covers personal accident including medical expenses as well, apart from the damages, which has been sustained by your house.

Householders Insurance:

Householders Insurance is a packaged policy providing a range of covers required by a house owner. The property value is determined by multiplying the built-up area with the cost of construction per square feet. The household contents must be valued as per their market value and electrical items at their replacement value for them to be included in the policy.

National Personal Accident Insurance Plans provides the beneficiary with a death benefit under any adverse situation including an accidental demise. Besides, it also provides a cover for an accident leading toe permanent complete disability. It is advised that each person buys such a policy because yesterday is history, today is a gift and tomorrow a mystery.

Individual Personal Accident:

Individual Personal Accident insurance policy provides a death benefit to the beneficiary in the unfortunate event of accidental death of the insured. The policyholder is also provided with a cover in case of permanent complete disablement in an accident. This policy can be taken by any adult residing in India to covering himself/herself and dependent family members between the ages of 5 and 70 years.

Janata Personal Accident:

The Janata Personal Accident policy covers any individual independent of gender, occupation and profession in the age group of 10 to 70 years for demise, permanent total disablement and permanent halfway disablement. The policy is accessible for a minimum sum insured of Rs. 25000 per individual for every annum, while the greatest sum insured, is constrained to Rs. 100000 per individual for every annum.

National Insurance provides various policies to ensure the rural population of India including farmers, tradesmen and other dwellers.

Gramin Suswasthya Microinsurance Policy:

The micro-insurance plan provides cover to the lower-income class and insures against hospitalisation expenses of the entire family. It also provides personal accident cover to the insured and his/her spouse. Gramin Suswasthya Microinsurance Policy by the National Insurance can be taken by any adult Indian resident covering himself/herself between ages 3 months and 60 years.

Gramin Suraksha Bima Policy:

Gramin Suraksha Bima Policy by the National Insurance is a micro-insurance policy, which protects the lower-income group against bodily injuries resulting solely and directly from accidents caused by outward violent and visible means.

The industrial insurance plans from National Insurance cover against any losses that may occur during the normal course of business in industrial units:

Machinery Insurance:

Machinery Insurance by the National Insurance protects both the rotating and static equipment while working or at rest against electrical and mechanical breakdown and human negligence and error.

Erection All Risk:

Erection All Risk by the National Insurance Company offers cover against projects, which involve equipment and other same erections or testing period of manufacturing units and engineering projects.

Electronic Equipment Insurance:

National Insurance ’s Electronic Equipment Insurance offers protection to the electronic equipment that is not only very sensitive to the minor changes in the ambience.

National Insurance Company offers a variety of plans for the commercial sector:

• Standard Fire and Special Perils
• Shopkeepers Insurance
• Credit Insurance

It is advisable to compare all National Insurance plans with plans from other general insurance companies in India to choose the insurance plan that suits you the most.