National Insurance Mediclaim Policies – Comprehensive Protection for Individuals & Families

Health uncertainties can arise at any time, and the rising cost of medical treatment makes it essential for every individual and family to have a reliable health insurance plan. National Insurance Company Limited (NICL), one of India’s oldest and most trusted general insurers, offers a strong range of Mediclaim policies designed to safeguard your health and financial wellbeing. These policies ensure that medical emergencies never become a financial burden for you or your loved ones.

What Are National Insurance Mediclaim Policies?

National Insurance Mediclaim Policies are health insurance plans that reimburse medical expenses arising from illness, injury, hospitalization, surgery, or other covered treatments. These plans are available for individuals, families, senior citizens, and dependent children, making them suitable for people across all age groups.

With a customer-centric approach and wide hospital network, NICL ensures you get cashless treatment, timely claim support, and affordable premiums.

Key Features of National Insurance Mediclaim Policies

1. Cashless Hospitalization Across India

National Insurance has an extensive network of empanelled hospitals where policyholders can avail cashless treatment, minimizing out-of-pocket expenses during emergencies.

2. Coverage for Major Medical Expenses

The Mediclaim policy covers:

• In-patient hospitalization
• Pre- and post-hospitalization expenses
• Daycare procedures
• Surgeries
• ICU charges
• Ambulance charges

This ensures comprehensive protection for all major medical needs.

3. Flexible Sum Insured Options

Policyholders can choose a sum insured based on their affordability and medical requirement. Ranges typically cover from basic protection to high-value medical coverage.

4. No Medical Test up to Certain Ages

For younger individuals with clean medical history, the policy may not require pre-policy medical examinations, making the purchase process easy and quick.

5. Family Floater Option

Families can enjoy the convenience of a single premium covering all members. The family floater option ensures that the entire sum insured is available for any insured family member during the year.

6. Tax Benefits under Section 80D

Premiums paid toward NICL Mediclaim policies qualify for income tax deduction under Section 80D of the Income Tax Act.

Types of National Insurance Mediclaim Plans

1. Individual Mediclaim Policy

Designed for single individuals, this plan provides medical coverage exclusively for one person. It is ideal for working professionals, young adults, and senior citizens looking for focused protection.

2. Family Floater Mediclaim Policy

This plan covers multiple family members under one policy, making it cost-effective and convenient. The sum insured can be used by any insured member, ensuring complete family protection.

3. Senior Citizen Mediclaim

Specially designed for older adults, this plan provides coverage for age-related illnesses, hospitalization, and medical care with higher entry age limits.

4. Overseas Mediclaim Policies

For individuals travelling abroad for business, education, or leisure, NICL offers international health protection during the trip.

Why Choose National Insurance for Mediclaim?

• Over 100+ years of trust and service
• Large network of hospitals for cashless support
• Transparent claim process
• Affordable premiums for all age groups
• Strong coverage across critical and common medical conditions
• Suitable for both individuals and families