National Insurance Company Limited

NICL was established at Kolkata in 1906 and nationalised to become a fully state-owned general insurance company in 1972. Since it is state owned, NICL is a subsidiary of GIC or General Insurance Corporation of India. NICL has a triple ‘A’ rating from Credit Rating Information Services of India Limited, which indicates the highest claim settlement abilities.

Mediclaim Policies Offered By NICL

National Health Insurance offers a number of health insurance policies that can be tailored to your specific needs.

  • Overseas Mediclaim
  • Business and Holiday
  • Employment and Studies
  • National Mediclaim Policy and National Mediclaim Policy Plus
  • National Parivar Mediclaim and National Parivar Mediclaim Plus
  • Parivar Mediclaim

Advantages and Benefits

  • Policy status can be checked online by simply entering valid credentials
  • The procedure for National Insurance mediclaim renewals and purchase of new policies is conveniently made online via Card payment and Net Banking, aside from traditional methods
  • Overseas Mediclaim Insurance doubles as travel insurance
  • Numerous tiers of cover available to opt from in order for every plan, making the process highly customisable
  • Individual Mediclaim Plan is also a comprehensive family floater plan
  • National General Insurance claims are settled swiftly and efficiently as this is one of the oldest and most prestigious companies in India

1. Overseas Mediclaim Policy

These mediclaim policies cover emergency health-related needs of travellers going abroad for the purpose of business, employment, vacationing and studies.

It also acts as travel insurance, covering unforeseeable mishaps that may happen on a trip such as loss of luggage or passport.

There are four plans – plans A and B for Holiday and Business purposes, and plans C and D for Study and Employment. The following differences are notable in these plans.

2. Business and Holiday Overseas Mediclaim

Plan A and Plan B divided into a lower and a higher tier: A1, A2, B1 and B2. Plan A covers travel worldwide excluding USA and Canada, which is reflected in the lower premium required. Plan B has a higher premium and provides greater cover, including cover in Canada and USA.

The insurance cover provided by the plans is classified under the following sections:

  • Section A covers medical expenses due to sickness, and costs incurred in repatriation shows the highest variance, with cover for A1 being US $50,000; $2,50,000 for A2; $1,00,000 for B1; and $5,00,000 for B2
  • Section B deals with cover for accidents that may lead to disability of the insured, with the cover for A1 being $10,000 and $25,000 for the others plans
  • Section C and D cover loss and delay of checked baggage, which is $1,000 and $100 respectively for all plans
  • A loss of passport is covered under section E up to $250 for A2, B1 and B2, and $150 for A1
  • Third party bodily injury and damage to property is covered under section F up to $2,00,000 in all the plans.
  • Section A and B provide $15,000 and $7,500 as benefits respectively

3. Employment and Studies Overseas Mediclaim

Plans C and D of the Overseas Mediclaim Policy are directed towards travellers going abroad for Employment or Education purposes and frequent corporate travellers. Plan D includes travel to the US and Canada and has two tiers, while plan C does not.

Along with separate covers for illness, medical evacuation and repatriations, Plans C and D have an Emergency Medical Reunion travel allowance of $5,000 for a family member who wishes to visit the insured in times of sickness.

The allowances in all the plans are same, with D1 providing $5,00,000 in case of illness and the others providing $1,50,000 each. Medical evacuation and repatriation allowance are $10,000 each.

Students sponsored by the government or their institution for studies receive an additional Contingency insurance of $750 per month of completed study.

Plan D1 also covers loss and delay of checked baggage with allowances of $1,000 and $100 respectively.

Inclusions and Exclusions under Overseas Mediclaim Policy


The covers detailed above are provided on the condition that the first $100 of each claim is borne by the insured. Travellers planning a trip over 60 days who are over the age of 70 needs to submit an ECG and Fasted Blood Sugar reports along with proposal for policy. Non-compliance restricts cover to $10,000.


  • Pre-existing conditions, even those undiagnosed
  • Travel prohibited by Medical advice
  • Claims due to participation in Military operation
  • Suicide, addiction, mental disorder, HIV
  • Claims related to participation in winter and adventure sports

4. National Mediclaim Policy

These National Insurance health policies are family floater insurance plans and provide financial protection against hospital costs incurred due to diseases, and injuries. A family floater plan is one which provides complete cover to the insured individual and his family. The insured person must be 18 to 65 years of age. Children between ages three months and 18 years old can be covered on the condition that a parent is also covered. Cover is also provided for dependent parents.

A regular plan and a ‘Plus’ plan with additional benefits and greater cover is available. The ‘Plus’ package provides insurance cover for the insured his parents, and all dependent children, as opposed to two dependent children in the regular plan. The policies can be renewed life-long.

Differences between National Mediclaim Policy and National Mediclaim Policy Plus

  • The Plus Policy has three plans A, B and C that provide different tiers of cover
  • The Plus plan covers pre hospitalisation expenses for 30 days and post hospitalisation expenses for 60 days, as opposed to 15 and 30 days respectively in the regular plan
  • Total insured cover for Ayurvedic and Homoeopathic treatment is provided in the Plus plan, and 20% of expenses incurred in the regular plan
  • Discounts are provided by the Plus plan for the renewal of policies and issuance of new ones
  • Plans B and C of the plus policy cover air ambulance charges
  • The Plus plan covers children’s vaccination up to 12 years of age
  • Critical Insurance Benefit is provided on top of sum insured in the Plus Plan
  • Maternity coverage is provided in the Plus Plan
  • Plus Plan provides benefits for good health indicated by check up, with a yearly 5% increase in insured sum up to a cumulative 50%
  • Dental Treatment is not covered under the regular plan


Cover is not provided in either of the National Mediclaim Policies for HIVs and STDs, substance abuse, psychiatric disorders, cosmetic procedures, hormone replacement, obesity and genetic disorders.

National Parivar Mediclaim Policy

Where the National Mediclaim Policy was for individuals including cover for families, the National Parivar Mediclaim Policy is a floater plan directed towards families by default. As the name suggests, National Parivar Mediclaim Plus provides greater cover and additional benefits.

Differences in National Parivar Mediclaim and NPM Plus

  • Coverage ranges from 1-10 Lakhs for NPM versus 6-50 Lakhs for NPM Plus
  • NPM provides coverage for insurance proposer, spouse, dependent children and dependent parents, while NPM Plus also includes their parents-in-law
  • The Plus Plans includes cover for air ambulance and greater ambulance cover

Parivar Mediclaim Policy

This plan again is directed towards nuclear families of the insured, spouse and two dependent children. It is intended to be more general in nature and has fewer benefits than the National Parivar Mediclaim and the National Mediclaim Policies.

Features of Parivar Mediclaim Policy

  • Policy can be bought by persons aged 18-60 years and covers dependent children between ages three months and 25 years
  • Insurance cover can be chosen between Rs. 2 and 5 Lakhs, in increments of Rs. 50,000
  • Life-long renewal is not allowed, unlike the previous plans, and is only applicable up to 65 years of age
  • The policy covers hospitalisation charges ranging from boarding, nursing and RMO expenses
  • ICU charges and fees for surgeons, specialists and consultants
  • Up to 50% of insured sum can be paid for any one illness

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