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National Health Insurance India

National Health Insurance India - National health Insurance plans are highly sought because of the comprehensive coverage they provide. Although, majority of the National health insurance policies come with one year validity, some National health insurance policies come with validity of two years. Up to the age of 45, National health insurance plans don’t require medical tests. However, for people over 45 years of age have to submit medical form to avail National health insurance policy. The minimum and maximum age to apply for National health insurance policies is 18 and 65 years respectively. Parents can include their children up the age of 25 years in their National Health Insurance plans. Policyholder can avail cashless facility in any hospital in the network and their claims are reimbursed if they seek treatment in any hospital of their choices. The Sum Insured options for National health insurance plans are in the range of Rs. 1 Lakh to Rs. 5 Lakhs. None of the National health insurance plans impose a loading clause even if policyholders make any claim. National health insurance plans cover pre-existing ailments after completing 2 years, however, these policies don’t cover expenses of homeopathy and naturopathy treatments.

 

List of National Health Insurance Policy and Plans in India

National Insurance Varistha Mediclaim Plan

National Insurance Varistha Mediclaim Policy covers hospitalization expenses of senior citizens. The online Varistha Mediclaim policy in India by National Insurance Company Limited also offers optional coverage for critical illness. This type of National Health Insurance online policy offers additional coverage for pre-existing diabetes and hypertension. However, policyholders need to pay extra premium to avail additional coverage. Know Eligibility, Features and Benefits, Coverages and more..

National Health Insurance - Critical Illness Plan

National Insurance Company Limited has come up with National Insurance Critical Illness policy which is one of the best online National health insurance policies in India. If any of the critical illnesses, the National Insurance Company Limited pays a lump sum as agreed in the document of critical illness policy once the insured contracts any of the six listed critical diseases. To make a claim on National Insurance Critical Illness policy policyholders have to survive at least 30 days after diagnosis of disease. Know Eligibility, Features and Benefits, Coverages and more..

What is Health Insurance?

Health Insurance is an insurance policy that ensures that you get cashless treatment or expense reimbursement, in case you fall ill. It is a contract between a general insurance company and one, which considers expenses incurred when availing treatment. However, the insurance company would pay for your treatment if the medical condition is covered by your policy. As per IRDAI, the premiums payable towards such an insurance policy have tax advantage under section 80D of Income Tax Act, 1961.

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Importance of Health Insurance - National Health Insurance India

There is no debating on the importance of having insurance in a country like India that ranks very low on human life index. Everyone must buy a good health plan that includes medical outlay, hospitalisation costs, medication and laboratory test costs, including critical illness. As is rightly said, “Health is wealth”, one must be prepared to manage such a situation in life. Don’t get confused with questions like – Which health policy to buy? Does this consider everything? What illnesses are excluded from this cover? PolicyBazaar is here to resolve all such confusions.

Just compare health insurance policies from top health insurers on our website and buy the best health plan. Let us know your basic requirements and we will find the best-suited health insurance quotes. You can, then, compare health insurance policies side by side, based on the parameters like health insurance cost; riders etc., and choose the best health insurance for self and/or your family members.

The treatment cost is getting way too expensive. Health insurance prevents a medical emergency from turning into a financial emergency. It makes sure that health care needs of one are taken care of without depleting one’s savings and compromising on one’s future goals. The contract of health insurance requires the provider to pay some or all of one’s health care costs in exchange of a periodic imbursement. Additional advantages of health insurance policies include regular health check-ups, cashless services, pre and post hospitalization expense reimbursement etc. Health insurance policies allow you save thousands on taxes under section 80D of Income Tax Act, 1961. The premiums paid towards the policy reduce your annual tax liability, thereby reducing your taxable earnings per year.