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National Insurance

National Insurance

There is so much choice in Insurance. Getting the best deal is far more easier now, thanks to comparison options available online.

About National Insurance

National Insurance Company Limited (NICL) is a government owned general insurance company setup in India. It is the second-largest non-life insurance company of India.

The company which commenced in 1906 has its headquarters in Kolkata. Being one of the oldest insurance companies on India, this company has a wide network in North and East India. NIC's has had a steady growth over the years and its gross direct premium income stands at INR 9000 cr today.

National Insurance Company Limited (NICL) provides various kinds of insurance policies to its customers ranging from health, motor, travel, etc.

National Insurance Company Limited (NICL)’s Products

Personal Insurance: This insurance scheme includes medical insurance, motor insurance, etc.

Rural Insurance: Especially designed for rural and agricultural industries and business, this scheme provides protection in case of damage to rural businesses.

Industrial Insurance: It offers cover for damage caused to industrial products and goods in case of robbery, fire, floods, etc.

Commercial insurance: It offers cover for damages caused to goods and belongings during transit.

Product Details

Personal Insurance

Health Insurance: If you don’t want to worry about the long expensive hospital bills, NICL’s health insurance policies are your saviour. It covers all your medical expenses and also provides other perks. Some of the plans under this scheme are:

  • National Insurance Individual Personal Accident Policy
  • National Mediclaim Policy
  • National Mediclaim Plus Policy
  • Parivar Mediclaim Policy
  • Varistha Mediclaim Policy
  • Critical Illness Policy
  • Janata Personal Accident Policy

The following is a summary of a few of the health policies:

National Mediclaim Policy
Entry age

18 years to 65 years.

Children between 3 months - 18 years (at least one parent has to be covered under this plan).

Max. Renewability Age No Limits
Medical Screening

Not required for persons up to 50 years.

Required for persons over 50 years
Cover Sum Assured Rs.50,000 to Rs.5 lakhs (in increments of Rs.25,000).
Cover Basis Individual or Family
Costs
Premiums
Family Premium Discount
 Rs.856 to Rs.40,124
10% for covering an additional family member.
Benefits
Claims
Claim updates
Health Checks
Emergency Assistance
Hospital Network
Tax Deduction 		Cashless and Reimbursement facilities.
SMS alerts.
After every 4 successive claim-free years, up to 1% of the basic sum assured.
24 hours TPA customer support.
6,000 plus, in over 1,500 areas.
As per provisions U/S 80D of the Income Tax Act.
Terms  Portability Tax Allowed. Service tax and TPA charges apply.
Exclusions
  • STDs including HIV and related disease
  • General enervation
  • Maternity
  • Obesity
  • Psychiatric and related ailments
  • Genetic disorders
  • Unnecessary vaccinations
  • Cosmetic/sex change surgeries
  • Lipid Profiling, Blood Sugar, Serum Creatinine
  • Urine Tests
National Mediclaim Plus Policy
Entry age

18 years to 65 years.

Children between 3 months and 18 years.
Max. Renewability Age No Limits
Cover Sum Assured
  • Plan A - Rs.2 to 10 lakhs
  • Plan B - Rs.15 to 20 lakhs
  • Plan C - Rs.30 to 50 lakhs
  • Benefit
  • Co-payments
  • Health Checks
  • SMS alerts.
  • 20% of admissible claim (non-network hospital).
  • Every 2 years: Up to Rs.1,000 (Plan A), Up to Rs.2,000 (Plan B), Up to Rs.3,000 (Plan C).
Exclusions
  • STDs including HIV and related diseases
  • Obesity
  • General enervation
  • Genetic disorders
  • Naturopathy
  • Cosmetic/sex change surgeries
  • Unscientific Treatment
  • Spectacles, Contact Lens
  • Abuse of intoxicants
  • Cochlear Implants
  • Hearing Aids
Parivar Mediclaim Policy
Entry age

18 years to 60 years.

Children between 3 months and 25 years

Max. Renewability Age 65 years.
Cover Sum Assured Rs.2 lakhs to Rs.5 lakhs
Cover Basis Family Floater.
Exclusions
  • Waiting period for specific diseases: 2 years.
  • Congenital ailments
  • STDs including HIV and related ailment
  • Self-inflicted injuries, Abuse of intoxicants, Convalescence
  • Dental treatment
  • Complications resulting from pregnancy
  • Unnecessary diagnostic, lab exams.
  • Non-allopathic treatment.
  • Terrorism, War and related acts.
Varistha Mediclaim Policy for Senior Citizens
Entry age 60 yrs. to 80 yrs.
Max. Renewability Age 90 yrs.
Cover Sum Assured Hospitalisation Cover - Rs.1 lakh; Critical Illness Cover - Rs.2 lakhs
Cover Basis Fixed sum assured per individual covered
Exclusions
  • Waiting period of 1 year for pre-existing diseases
  • Dental treatment
  • Cosmetic treatment
  • Pregnancy, childbirth
  • General debility
  • Congenital defects
  • Self-injury
  • Injuries of war, nuclear activity etc.
  • Vaccinations
Critical Illness Policy
Entry age 20 yrs. to 60 yrs.
Max. Renewability Age 65 yrs.
Cover Sum Assured Rs.5 lakhs, Rs.10 lakhs, Rs.20 lakhs, Rs.25 lakhs
Exclusions 90 day waiting period
Individual Personal Accident Policy
Entry age 5 yrs. to 70 yrs.
Medical Screening Not required
Cover Sum Assured
  • Cumulative Bonus for every claim-free year under Comprehensive Cover
  • 5% increase in sum assured, limited to 50%
Cover Premium Discounts

10% discount for Family Package cover

Discounts on Group Policies
Exclusions
  • Self - injury
  • suicide
  • insanity
  • injury as a result of intoxication or criminal activity
Janata Personal Accident Policy
Entry age 5 yrs. to 70 yrs.
Eligibility Medical Screening Not required
Cover Policy Term Up to 5 yrs.
Cover Sum Assured Rs.25,000 to Rs.1 lakh (in increments of Rs.25,000), per person, p.a.
Cover Premium Rs.15 per Rs.25,000
Cover Premium Discounts Discounts on Group Policies, based on group size
Cover Events
  • Death, Permanent Total Disablement: 100% of the chosen sum assured
  • Loss of one eye or loss of one limb: 50% of the chosen sum assured
Exclusions
  • Self - injury
  • suicide
  • insanity
  • injury cause by intoxication or criminal activity

General Insurance

Life Insurance

Health Insurance

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