National Insurance Company Limited (NICL) is a fully owned general insurance company by the Government of India. The company was founded in 1906 and is counted as one of the oldest General Insurance Companies in India.
National Health Insurance offers plans that can be renewed throughout one's lifetime and offer a wide range of customizations for the needs of an individual, a family, senior citizens, etc. It covers the necessities such as in-patient hospitalization, and daycare treatment, and offers maximum financial comfort to the insured at the time of treatment.
National Health Insurance Policy comes with access to wide hospital networks, add-on covers, cashless claims, protection from covid, and many more features and benefits.
The company has achieved multiple awards and accolades for its exceptional contribution to the booming insurance industry of the country.
Why Choose National Health Insurance?
National Health Insurance was responsible for creating flexible general insurance products, tailoring them to meet customers' personalized requirements. It has stood out as a revolutionary organization in the insurance industry.
Read more to understand why you should opt for a National Health Insurance policy to protect yourself and your loved ones:
Network Hospitals: National Insurance comes with a vast network of hospital facilities where one can avail of cashless benefits across India. National Health policies enable access to cashless network hospitals which facilitates customers to benefit from the best health care without compromising their financial situation.
Solvency Ratio: According to the IRDAI, It is mandatory to maintain the Solvency Ratio of 1.5. National Health insurance currently has a Solvency Ratio of 0.36.
Annual Premium: It signifies the total number of policies that are sold by an insurance company and the premiums collected. As per the IRDAI Annual Report 2020-21, the Annual Gross Premium of National Health Insurance is 14,185.75 crores.
Claim Support: National Health Insurance has a claim settlement ratio of 57.80% according to IRDAI reports (2020-21) which shows the company is reliable and cares about its customers. It is suggested to opt for an insurance company that has a good claim support ratio.
PAN India Presence: National insurance has a strong network PAN India with 1700+ branches. In case any policyholder has any policy or claim-related query, the customer can quickly visit the nearest branch of the company.
All You Need To Know About National Health Insurance? Find complete details in one go!
National Insurance Company Limited (NICL) is one of the oldest and most trusted general insurance companies in India. National Insurance offers customized health insurance plans and comprehensive health covers. From individual health insurance policies and family floater plans to senior citizen plans and group mediclaim policies, NICL offers a wide range of health insurance products to satisfy the varying needs of the customers.
Mentioned below are plans offered by National Insurance Health Plans:
National Health Insurance Individual & Family Plans
Choose the National health plan and click on 'Buy Now'.
Pay the premium and your policy document will be shared with you on your registered email
Why Buy from PolicyX.com?
With so many buying options available in the market, one must think about why he/she needs to choose PolicyX.com. Well, we are here to answer. Read the below points to find out why to choose PolicyX.com.
IRDAI Approved: The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved by the IRDAI.
Free Comparison Service: With PolicyX.com, you can easily compare the best Health Plans in India without paying any extra amount.
Compare 15 Companies in 30 Seconds: With us, you can compare up to 15 companies in just a few seconds.
Buy Insurance within 5 mins: With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any trouble.
24*7 Customer Service: The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
Free Future Claim Assistance: Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
How To Renew National Health Insurance Policy?
National Health Insurance policy allows the customer to renew their policy online. Follow the below steps to renew your National Health Insurance Plans:
Visit the official website of National Insurance. On the top-right menu bar click on the 'Quick Renewal' option.
On the next page, fill up your policy number, prosper's date of birth or mobile number.
Click on the 'Renew Policy' button.
Pay the premium online, and your National health insurance renewal details will be mailed to your registered email address.
National Health Insurance Claim Process
National Health Insurance company offers an easy and convenient claims settlement process. The policyholder can either choose Cashless Claims or can opt for Reimbursement Claims:
Cashless Claim Process
The cashless facility is only for policies that are purchased via a Third-Party Administrator (TPA).
You have to check whether the selected hospital falls under the list of network hospitals as the cashless claim facility is available at the network hospital only.
In planned hospitalization, the insured has to inform TPA/company in advance (72 hours prior) about the case.
In emergency hospitalization of the insured, (s)he must inform the TPA/company within 24 hours of the hospitalization.
On getting admitted, a pre-authorization request will be shared with the TPA by the hospital along with the duly signed documents.
The TPA will settle all the bills with the hospital.
Reimbursement Claim Process
You have to submit a written intimation (through the mail/fax) about the hospitalization to the Third-Party Administrator (TPA)/company within 72 hours of emergency/planned hospitalization.
Don't forget to collect the discharge summary, investigation report, and required documents from the hospital.
All original documents should be submitted to TPA/company within 15 days from the date of discharge.
The company will verify all the documents. On approval, the claim amount will be released.
Note- You need to inform the company within 48 hours (in case of emergency hospitalization) and 3 days before your admission (for planned hospitalization)
How To Contact National Health Insurance
National health insurance customer care is 24*7 available to look after your queries. To get in touch with customer care, opt for the below methods:
National Insurance Company Ltd., 3, Middleton Street, Prafulla Chandra Sen Sarani, Kolkata, West Bengal, 700071
National Health Insurance: Frequently Asked Questions
1. What is covered in National Health Insurance Plans?
These policies cover the policyholders with in-patient treatment, daycare treatments, pre-hospitalization and post-hospitalization, ambulance cover, and so on.
2. Are there any health insurance policies for people traveling abroad?
Yes, National Insurance provides health insurance plans that cover people traveling abroad for business, education, or leisure.
3. Is National Insurance good for mediclaim?
National Mediclaim Policy by National Insurance gives a comprehensive approach to securing your and your family's health. No sub-limit is applied in case of hospitalization in a preferred provider network (PPN). It is one of the oldest and most trusted insurance companies in the country.
4. What are the advantages of national health insurance plans?
You receive multiple benefits from National Insurance health plans like maternity cover, critical illness cover, overseas cover, genetic disorder cover, and more.
5. Does national insurance cover pregnancy?
National Insurance has a National Parivar Mediclaim Policy that includes maternity coverage. It covers all expenses incurred in normal or cesarean delivery.
6. Does the National Insurance cover dental treatment?
Dental treatment is not covered unless necessitated due to an Injury.
7. How can I renew my National Health Insurance Plan?
Renewing your National Health policy online is a convenient process. Follow the below steps for the same:
Visit the official website of the National Insurance Company and click on the 'Quick Renewal' tab given at the top of the page.
Enter your 'Policy Number' and 'Captcha' to continue.
Fill in the required details and make the payment.
You will receive the renewal confirmation on your registered email ID.
8. How can I check the policy status for my National Health plan?
Log in to the company's website with valid credentials and enter the policy number.
9. I have an existing health insurance policy from the National Insurance company. Will it cover Coronavirus-related ailments?
Yes. If you are hospitalized for a minimum period of 24 hours for treatment of COVID-19, medical expenses will be covered in all standard health insurance policies issued by the National Insurance Company.
10. Does National Parivar Mediclaim policy cover infertility cases?
Yes, the National Parivar Mediclaim policy covers infertility cases after 45 years of age at a discount of 3% on the individual premium (for both self and spouse).
11. How is the National Insurance Premium Calculator useful for me?
With the online premium calculator tool one can easily compare and calculate the premium you'll pay over the course of your policy's term. Getting to know your premium in advance will make it easier for you to keep track of future payment deductions.
12. Do AYUSH Treatments are covered by the National Health Plans?
Yes, non-allopathy treatment, including Ayurveda and homoeopathic treatment, is covered under the National Health Insurance Policy.
13. What reports are needed for the pre-policy review?
The following reports are necessary for the pre-policy checkup:
Physical examination (report must be signed by a doctor with at least an MD (Medicine) degree)
Profile of lipids
Creatinine in the blood
Urine tests and microscopic examinations are routinely performed.
Examination of the eyes (including retinoscopy)
Any other inquiry that the firm requires
The date of medical reports shall not be more than 30 (thirty) days before the proposal date.
14. Do I have to pay extra for Covid-19 coverage along with my existing National Health Insurance policy?
No. There is no additional payment for Covid-19 coverage. The same benefits will be available for Covid-19-related therapy as they are for any other condition.
15. Does National Health Insurance offer any free-look period?
Yes, the company has a 15-day free look period during which the policyholder can return it.
National Health Insurance Reviews
Read what our customers have to say about national health insurance company and national health mediclaim policy.
March 14, 2022
My father in law lives alone in jalandhar and we wanted an insurance company that take cares of him in our absence. They are very good with their commitment and service.
September 1, 2021
I bought my health plan from National a while back. Recently had to make a claim for hospitalization. I was a little worried but the response time was at best amazing! Thanks guys
August 18, 2021
I have bought health insurance from National Health Insurance and I am very impressed by their services and attention towards customers.
May 10, 2021
I will recommend everyone to buy health insurance plan from this company because I am very happy with the plan I purchased from the company. I am using my insurance from two years and till now ...
Bipinchandra Somabhai Patel
October 26, 2020
I want to portability of United India insurance company individual health mediclaim policy taken since December 2005 and falling due for renewal on 06-12-2020
May 6, 2018
I hold a National Parivar Mediclaim insurance plan with National Insurance from last 3 years, i am happy with the coverage value of this policy.
alok kumar de
October 16, 2017
my varistha mediclaim policy number of which is-150100501610012195 renewed this year but when i want to know my claim claim status online it says wrong policy number then what is the corect num...
Sabhadiya nareshbhai govindbhai
September 30, 2017
My father has been admitted in hospital but ypur company not receive my call
I inform you for admitted my father date 30/09/2017