can anyone tell me the features of 'Group Mediclaim Insurance Policy' of National Insurance Company Ltd?....coz i cudnt find it on their site.
Pl tel me who all are covered, age limitations if any, illnesses excluded from the policy etc.
atleast, let me know, where can i get this information.

From India, Hyderabad
Dear Deepthi,
Group Mediclaim policy is taken for a employee with 2/3 dependents(father/mother/spouse/kids).Mostly we have insurance broking companies who help the HR ppl to get Grp Mediclaim Policy.Ck out w.r.t that in ur home town.Everyone is covered under the grp mediclaim policy.There is no age limitation.Coverage in the policy depends on the value and the insurance guys.Incase u r in chennai i can suggest u the third parties who are involved with these type of activities.W.R.T other stations im sorry i dont know.
Lavanya :)

From India, Madras
hi lavanya, tx for the info. i ll try getting in touch with these agents. regards, deepthi
From India, Hyderabad
i tooka quote for 100 employees a few months bk. all critical illness incl pregnancy/ cataract are covered on day one.
the premium was approx 3000/- p.a. for a family of 5 people.
i know one employee of new india assurance from whom we took the policy namely Vivek gupta, 9810348234
surya vrat singh rana

From India, Delhi
Dear Deepthi Normally any insurance agent who deals with mediclaim policy can gett this information for you deepthi. regards, Sampath.

Dear Lavanya, Can you give the contact details of the third party for opening the Group term policy for my employees in Chennai. Regards, Kalpana
From India
Dear Kalpana, The Company Name is Futurerisk and the contact person is Priya-9841089772 Just Mention my Name and say that i had referred. Rgs, Lavanya :)
From India, Madras

Group mediclaim policy can be taken for employees or floater policy for including family members...premium depends on sum insured and age of the member...no need to call broking agents...u can directly call the company and ask them to explain all the features of the policy...some companies offer to accept pre existing illnesses too some dont....negotiate with the insurance co...instead of PSU I would suggest to call private insurance co who give lower quote, better service and claim settlement is faster..Public sector insurance co like oriental/new india/national are not known for their prompt service
mrs deshmukh
sr gen mgr(hr)

From India, Pune
Dear Lavanya, What is the commission that need to be paid for the brokers? Regards, Kalpana
From India
Dear friend,

As mrs. Deshmukh told, PSU's like UNITED INDIA ASSURANCE OR ORIENTAL INSURANCE companies may not be prompt in service, but certainly don't charge you more than private companies.But PLEASE REMEMBER PSU's SETTLE 99% OF MEDICLAIM , WHEREAS PRIVATE COMPANIES CANNOT BOAST OF SUCH CLAIM SETTLEMENT.

Does it make any sense to have good service at the time of taking out mediclaim policy but get your claim repudiated, when it actually comes to the real part of service?

Moreover, group mediclaim does not involve individual assessment of health risk but is dependant upon the group size , the age distribution of the group, occupational or other hazards commonly experienced by the group and so on.so larger the group, the premium to be paid will substantially be lesser.Also remember,PSU's do not charge premium to make huge profits out of their policies but they charge only to the extent of meeting out probable mediclaim that may arise. But private insurance companies are business units meant for profit making. so just beware.

with regards,


Another thing, you need not pay any commission to the brokers/ agent. he is paid by the insurance company.

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