National Health Insurance Premium Calculator

Key Highlights of National Health Insurance Company

Here are the key highlights of the National Insurance Company. The claim settlement ratio has been sourced from the annual report filed by IRDAI for FY 2018-19. The waiting period depends on the type of policy you have selected.

National Insurance Company offers a wide range of insurance policies such as Motor Vehicle Insurance, Personal Accident, Householders’ Insurance, Shopkeepers’ Insurance, Life Insurance, Agricultural implements, Rural Insurance covering Livestock, Industrial & Commercial Insurance, protection against fire and natural calamities and much more.

How to Calculate Premium for National Health Insurance?

• Fill the requested information in the input of the calculator
• Age
• Policy term
• Medical history
• Coverage details/ scope of cover
• Desired sum insured/amount of sum insured
• Type of policy you wish to buy

Once you have entered the following details, click on submit, and the premium calculator will determine the best premium amount for you. Still, confused about calculating the premium amount? Call us on 1800 209 9930 and let us handle the rest.

Why Calculate National Health Insurance Premium Online?

It is always advisable to be well prepared before making the final decision to buy National Health Insurance. Here are six reasons to calculate premium online:

• You get to compare the top premium quotes across several health insurance policies

• You can customize the scope of cover and the amount of sum insured

• You get to know the right amount of premium amount for your policy

• You are financially aware of your expenses

• You do not need the help of an insurance agent, third-party, or intermediary

• You become more aware of the insurance trends and the cost of health insurance

How will the National Health Insurance Premium Calculator be useful?

• In order to renew National Health Insurance the policy on time, you should first know the premium that will be payable. The National Health Insurance premium calculator will show the premium that you are required to pay. Renewing your National Health insurance policy will keep your family protected at all times. You need not worry about the cost of medical treatment as it will be covered by your healthcare plan.

National Health Insurance Plans

Let us look at one of the most popular health insurance policies offered by the National Insurance Company of India. Know more about this plan mentioned below online on Coverfox.

Articles on National Insurance

• All About National Health Insurance Company
• Difference between National Insurance Parivar Mediclaim and Mediclaim Policy
• Claim process of National health insurance

National Health Insurance Corona Kavach Policy

Due to the pandemic, the National Insurance Company has launched a National Insurance Corona Kavach Policy for all individuals between the age of 18 years to 65 years. All insurers have been directed by the IRDAI to offer Corona Healthcare Policies during the lockdown and after.

Buy Health Insurance Plans as Per Your Need

Exclusions under Corona Kavach National Health Insurance

• Pre-existing diseases will only be covered ost the waiting period
• Rest Cure, rehabilitation and respite care
• Any form of unproven treatments/unauthorized treatment
• Any form of investigation or medical evaluation
• Dietary or weight loss supplements
• COVID-19 claims diagnosed prior to policy inception
• Any form of daycare treatment or Out Patient Department
• Treatment conducted outside India
• Treatment unauthorized by the Government of India

How to Make a Claim for National Health Insurance?

You can select either of the options - Cashless or Reimbursement.

For Cashless Claims,

• You need to get admitted at a network hospital and furnish your cashless card and KYC details for pre-authorization by the insurer or its authorized TPA
• You have to duly fill the cashless claim application form with details from the Network Hospitals and TPA and send it to the insurer for authorization
• Your insurer will go through the relevant documents along with the medical information and cashless claim application form. Post verification, the pre-authorization letter will be issued to the hospital
• Once your treatment is complete, you only need to pay for non-medical and inadmissible expenses and sign the discharge card
• Note: If you are unable to provide the necessary medical bills and documents, the insurer might reject your cashless claim application.

For Reimbursement Claims,

• Visit any non-network hospital for undertaking your medical treatment. Once you are discharged, submit the relevant medical documents and bills along with a reimbursement claim form within 30 days.

I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.

What are the Documents Required for Making a Claim?

• Claim Form A/B/C/D as applicable duly filled and signed by insured

• Copy of Insured Person's Passport, if available (All pages)

• Copy of Insured Member Photo ID / Photo ID Proof, if Passport is not available.

• Medical practitioner's prescription advising admission.

• Hospital bills and all payment receipts (Original) for all consolidated amounts, the detailed breakup of the billed amount is required from the hospital.

• Advance payment made, if any, should be supported by a receipt.

• Discharge Summary / Discharge card (Original, Photocopy for pre/post-hospitalization claim) including a complete medical history of the patient along with other details.

• Investigation reports (original) including Insured Person's test reports from Authorized diagnostic centre for COVID -19.
• OT notes or Surgeon's certificate giving details of the operation performed, wherever applicable.

• Sticker/Invoice of the Implants, wherever applicable.

• For medicines purchased from outside, the original bill should be accompanied by prescriptions from the doctor.

• Canceled Cheque (with pre-printed name) /Copy of passbook of the proposer for electronic fund transfer type.

• KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines

• Legal heir/succession certificate, wherever applicable.

• Any other relevant document required by Company/TPA for assessment of the claim

Documents Required for Home Care Treatment,

• A certificate from a medical practitioner/doctor/physician advising treatment at home or consent from the insured person on availing home care benefit.

• Discharge Certificate from medical practitioner/doctor/hospital/physician that specifies the date of start and completion of home care treatment.

• Monitoring and reporting of daily health charts including records of treatment administered duly signed by the treating doctor/physician/medical practitioner

• In case home care medical treatment is taken in a non-network hospital, a prior approval letter from the insured copy to be attached) has to be sent to the insurer.

Note: The following documents are applicable for Hospitalization Expenses, AYUSH Hospitalization, and Pre-Post Hospitalization Expenses. The notification of the claim must be sent to the insurer 24 hours from the date of emergency hospitalization or cashless home care treatment. In the case of planned hospitalization, the insured must be informed at least 24 hours prior to admission to the hospital.

In Simple Words,

If you are looking for a comprehensive health insurance policy that comes with COVID-19 cover along with Allopathic/AYUSH Benefit, National Health Insurance is your best option available in the market today.