National Health vs Care Health Health Insurance 2026 | PolicyX

Overview

National Insurance Company, India's oldest government-owned general insurer, was founded on 5 December 1906 in Kolkata. Fully owned by the Government of India, it offers health, motor and property insurance.
COMPANY DETAILS ✎ Edit

National Health

✎ Edit

Care Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 2 Crores

Sum Insured

Up to ₹ 1 Cr
Claim ratio

Claim Ratio

91.31%

Claim Ratio

96.6%
Network hospitals

Network Hospital

3200+

Network Hospital

22100++
Solvency Ratio

Solvency Ratio

-0.67

Solvency Ratio

1.74
Pan India Presence

Pan India Presence

850

Pan India Presence

158
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

8,589.90 Crore

Annual premium (company level)

6,864.46 Crore
Years in operation

Years in operation

1906

Years in operation

12
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

91.18

Claims settled within 3 months

96.6
Recommended Videos
National Health Insurance

▶ National Health Insurance

Care Health Insurance Review

▶ Care Health Insurance Review

●  Free Expert Advice

Talk to India's Top Insurance Advisor

Get personalised guidance from IRDAI-certified experts — zero cost, zero spam. Our advisors help 1M+ Indians choose the right plan every year.

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

Trouble connecting with an insurance company?

Contact PolicyX.com
Toll-free: 1800-4200-269
We are happy to help.

National Health Insurance

Individual and Family Health Insurance

National Young India Mediclaim Policy

National Young India Mediclaim Policy offers indemnity-based health coverage from National Insurance, available as individual or f...

  • Maternity Cover
  • Cataract Cover
  • High SI Cover
  • Room Rent Cover
  • Day Care Procedure
  • AYUSH Treatment
  • Morbid Obesity Treatment
  • Illegal Activities
  • Adventure Sports
  • Cumulative Bonus
  • Wellness Discount
  • Long Term Discount
  • Min entry age: 18 years
  • Max entry age: 43 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 10 Lakhs
View plan

The National Insurance Group Mediclaim Policy offers comprehensive indemnity health coverage for groups, providing an alternative ...

  • Coverage for modern treatment
  • Covers HIV/AIDS treatment
  • Covers 140+ daycare procedures
  • 140+ daycare procedures
  • HIV cover
  • Affordable premiums
  • AYUSH cover
  • Treatment outside India
  • OPD diagnostics
  • Adventure sport injuries
  • Injuries due to illegal activity
  • Co-payment discounts available
  • PED cover
  • 30-day pre-hospitalisation
  • Modern treatment
  • Entry Age: 3 Months
  • Maximum Entry Age: N/A
  • Sum Insured: INR 50
  • 000 to INR 10 Lakhs
  • Waiting Period: 30 days
View plan

Care Health Insurance

Individual and Family Health Insurance

Care Operation Insurance

The Care Operation Insurance Plan provides extensive coverage for surgical procedures, with sum insured options from ₹10 Lakhs t...

  • Unlimited E-consultations
  • Automatic Restoration
  • Wellness Benefits
  • Health services
  • Air Ambulance cover
  • Chemotherapy cover
  • Illegal activities
  • Alcohol abuse
  • Obesity treatments
  • Dialysis cover
  • Second opinion
  • Organ donor cover
  • Min entry age: 5 Years
  • Max entry age: 50 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr
View plan
Individual and Family Health Insurance

Care Advantage Plan

Care Advantage Health Insurance provides high sum insured options up to 1 Crore, ensuring comprehensive coverage for families. It ...

  • High sum insured
  • 540+ procedures covered
  • Organ donation cover
  • No Claim Bonus up to 50%
  • Automatic SI recharge
  • Organ donor cover
  • High SI
  • 20% co-pay
  • Obesity treatment unavailable
  • Hazardous activity not covered
  • Ambulance cover available
  • Optional cover available
  • Co-pay waiver
  • Room rent modification
  • Entry age- 91 days
  • Max entry age- Lifelong
  • SI- 25 L to 6 Cr
  • Waiting Period- 30 days
View plan

Compare with Other Insurers

RK
Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

📞 Call Free