National Health Insurance

The Arogya Sanjeevani Policy offered by National Insurance is a standard insurance policy on an individual basis. It is an affordable insurance policy that covers individuals and families for basic health care expenses. It is an annual policy and has a term of 1 year, but can be renewed for a lifetime

The Arogya Sanjeevani Policy covers in-patient hospitalization expenses and also the cost of treatment for any injury sustained or illness contracted during the policy period. It also covers daycare treatment expenses, pre-hospitalization expenses up to 30 days and post-hospitalization expenses up to 60 days. You can also claim ambulance expenses under this policy, up to specified limits.

Features Of National Arogya Sanjeevani Policy: Features Of National Arogya Sanjeevani Policy

1. The policy offers reimbursement of hospitalization expenses and/or cashless facility for the treatment of any illness or injury sustained
2. Hospitalization of at least 24 consecutive hours shall be admissible. But there shall be no time limit in case of daycare treatments
3. The policy is issued for a tenure of 12 calendar months,or one year only
4. The premium of the policy can be paid in instalments. Prosper can opt for Monthly, Quarterly, Half Yearly or Yearly payment of premium at the time of buying the policy
5. Prosper can change the frequency of paying the premium only at the time of renewal of the policy
6. A grace period of 15 days is provided for the payment of the premium.The policy shall be cancelled if the premium is not paid within the grace period and no refund shall be allowed
7. The policyholder can avail tax rebate for the premium paid as per section 80D of Income Tax Act 1961
8. A new customer can avail of a discount of 10% if the policy is bought through Customer Portal or if the policy with the yearly premium payment frequency is renewed through Customer Portal
9. Any pre-existing ailment, condition, disease, the injury shall be specifically mentioned in the Proposal Form.The proposal form should be complete in every respect while buying the policy
10. A pre-policy checkup is mandatory for individuals aged 55 years and above or first-time policy buyers of the company
11. If the proposal is accepted by the company then prosper can avail 50% of the expenditure incurred on the pre-policy checkup
12. The policy can be renewed before the expiry of the policy or within the grace period
13. Except for children above 18 years or those who are financially independent, the policy can be renewed (without break) for the lifetime of the insured individuals
14. Hospitalization treatments that are given by Homeopathy, Sidha, Unani, Allopathy are covered under AYUSH treatment under this policy
15. To avail of the claim the company should be informed within 24 hours of an emergency hospitalization or before the Prosper is discharged from the hospital.In case of planned hospitalization, the company needs to be informed 48 hours before admission to the hospital

In this time of the pandemic,National insurance has come up with a standard health-based policy. National Corona Kavach Policy is a short-term policy specifically designed for individuals and has the feature of indemnity. This policy eases your financial burden if you get infected with the novel coronavirus. It offers you protection against all the expenses you incur towards the treatment of Covid-19. It caters to your basic health insurance needs

It is a pocket-friendly policy that can be bought on an individual basis or on a floater basis. You can cover yourself, your spouse, your dependent children, your parents and your parents in law. The proposer must be 18 years of age when buying the policy and can include family members up to the age of 65 years. The age of dependent children can be from 1 day to 25 years. The children can be natural children or legally adopted

If the children above 18 years are financially independent, they become ineligible for coverage under this policy. The proposers who are above 65 years can buy the policy for the family, without covering themselves

Features of National Corona Kavach Policy:

1. This is a covid-specific policy that would cover only covid related hospitalisation that is for 24 hours or more
2. A short term policy, it can be bought for 3.5 months, 6.5 months and 9.5 months as per your requirement
3. The sum insured under this policy ranges between INR 50,000 to INR 5 lakh
4. Under the Corona Kavach Policy offered by National Insurance, the policyholder can opt for cashless treatment or get reimbursement of hospitalization towards the treatment of Covid-19
5. Pre hospitalization up to 15 days and post-hospitalization up to 30 days are covered
6. Covid hospitalization cover includes expenses like room, ICU, Consultation fees, surgical appliances, PPE kits, medicines etc.
7. Ambulance charges up to INR 2000 are covered, per hospitalization
8. AYUSH treatment, Ayurveda, Yoga, Allopathy, Unani,Naturopathy, Sidha and Homeopathy, is covered up to the sum assured
9. The doctor prescribed home care treatment for up to 14 days
10. There is a cashless facility available at network hospitals
11. You can opt for a Hospital Daily Cash available at 0.5% of the sum insured for a period of 15 days
12. A discount of 10% is available through Online Customer Portal
13. Healthcare workers can claim a discount of 5%
14. Tax rebates can be claimed as per Section 80D of the Income Tax Act
15. Portability and migration are not allowed in the policy
16. As it is a short term policy, the Free Look period is not applicable
17. Corona Kavach is a single premium policy
18. A Pre-Policy check-up is not asked for
19. There is a waiting period of 15 days,from the date of commencement of the policy
20. There is no option of Copayment in this policy

This is a fixed benefit National medical insurance plan which covers specified critical illnesses.The features of the plan are as follows

1. There are two coverage options under the plan
2. Coverage option A covers 11 critical illnesses and coverage option B covers 37 critical illnesses
3. Pre-existing illnesses can be covered from inception at an additional premium
4. Pre-entrance medical check-ups are required if you are 45 years and above, if you have chosen a sum insured of INR 25 lakhs and above or if a non-earning spouse is covered for INR 5 lakhs and above