How is National Health Insurance?

National Insurance Company Limited (NICL) is one of India's oldest general insurance companies, offering both personalised and comprehensive health insurance products. To satisfy the various needs of its customers, NICL delivers a wide range of health insurance products, ranging from individual health insurance policies and family floater plans to senior citizen plans and group mediclaim policies.

 
The central government has complete authority over the corporation. The corporation, headquartered in Kolkata, was created in 1906 and got nationalised in 1972. NICL's gross direct premium income steadily climbed to exceed INR 9000 crores rupees in fiscal year 2012-13.
NIC was in charge of developing adaptable general insurance products that could be tailored to consumers' specific needs. Although it is typical for insurers to reach out to clients through bancassurance agreements and tie-ups, NIC was the first to investigate the notion of maximising penetration through strategic partnerships.

With over 1,340 offices spread across India, it has covered the international borders of Nepal as well. It develops its 373-centre business network to explore new areas and serve both retail and large industrial clients.

List of National Health Insurance Plans

National Insurance Company offers health insurance solutions as part of its product portfolio to meet the financial protection needs of people and their families. The following policies are available in this category:

• National Insurance Mediclaim Policy: It features a cashless and reimbursed system that covers 50% of pre-hospitalization costs for those aged 3 months to 65 years. This does not cover important procedures such as pregnancy, genetic problems, psychological illnesses, obesity, and so forth.
• National Insurance Mediclaim Plus Policy: This plan has no qualifying requirements, but it does cover room and board, maternity, and ICU expenses, among other things. It provides three different sorts of plans. It not only covers pre-hospitalization costs but also post-hospitalization costs.
• National Insurance Parivar Mediclaim Policy: Floater Basis for the proposer's complete family's protection against hospitalization bills due to illnesses/accidental expenses. It covers practically all diseases excluding congenital ailments, STDs including HIV and associated ailments, self-inflicted injuries, intoxicant abuse, convalescence, dental care, and pregnancy/delivery complications/ailments.
• Varistha Mediclaim Policy for Senior Citizens: It is harder for elderly people to obtain a medical coverage since they are more susceptible to sickness owing to their age. But NIC provides services that include the money promised, lodging and board, fees, ambulance expenses, and even chemotherapy radiations, among other things.
• National Insurance Critical Illness Policy: When certain serious diseases are diagnosed, the sum guaranteed is paid out in a lump sum payment. This insurance covers a variety of ailments such as coronary artery surgery; it is limited to 20% of the chosen sum assured for diseases like as cancer, kidney failure, stroke, multiple sclerosis, and major organ transplant.

Conclusion

The reason one must choose National Health Insurance is that it proposes accident, medical, property, automobile, and other general insurance products. Insurance has a broad market in India, which comprises people from various sections of society. After-sales service is an important component of the retail business, and National Insurance values it highly

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The insurer has set up a specific customer care department to handle any consumer inquiries, complaints, issues, or grievances regarding their health insurance coverage. They not only provide a dedicated toll-free line for handling inquiries, but they also have branch locations where you may go in to resolve your grievances. 

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