Network hospitals
3000+
Incurred claim ratio
102.35%
Sum insured
Up to 50 Lakh
No. of Plans
13
Solvency Ratio
0.3
Pan India Presence
1730
Network hospitals
3000+
Incurred claim ratio
102.35%
Sum insured
Up to 50 Lakh
No. of Plans
13
Solvency Ratio
0.3
Pan India Presence
1730
One of the oldest health insurance general insurance companies, National Health Insurance Company offers products that protect you financially when in need. The company was founded in December 1906 but in 1972 it merged with other companies to form one of the four subsidiaries of the General Insurance Corporation of India. Later it was delinked in August 2002 to operate as an independent insurance company. The company operates from 1730 offices in India as well as in foreign countries.
National Health Insurance offers a range of simplified health plans that can be helpful when there is an emergency and you need to pay expensive bills to the hospital. You can renew your health insurance policy to protect yourself as much as you can. You can choose online as well as offline mode to purchase their health insurance policy.
National Health Insurance
National Health Insurance Plan 2024
Cashless Claim Settlement | 24 hours |
Minimum Entry Age | 3 months |
Maximum Entry Age | 80 years |
Sum Insured | Upto Rs. 75 Lakh |
Network Hospital | More than 3000 |
Tax Benefits | Upto Rs. 1 Lakh |
Solvency Ratio (2021-22) | 0.3 % |
Claim Settlement Ratio (2021-22) | 86.28% |
Ambulance Expenses | Covered |
Coverage for Accidents | Yes |
National Health Insurance Company is the oldest company and offers customized health insurance plans and complete health covers. Have a look below for plans:simplified
Standard
If you are looking for a policy that covers you for In-patient treatment expenses and 140+ Day Care Procedures then this plan is the right choice.
Unique Features
Comprehensive
This plan suits you best if you are a newly married individual or have dependents like kids or elderly parents as this health plan covers all of them along with you.
Unique Features
Family Floater
An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.
Unique Features
Family Floater
If you are looking for a healthcare policy providing a high sum assured and covers your family members under one cover this is the right policy for you.
Unique Features
Standard
Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.
Unique Features
Super Top-up
This policy covers your family members and offers high coverage at affordable prices.
Unique Features
Comprehensive
A versatile health insurance policy available on an individual and family floater basis offering various optional covers.
Unique Features
Global Coverage
This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.
Unique Features
Global Coverage
A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.
Unique Features
Critical Illness
A unique benefit policy that covers expenses in the event of the insured person being affected with any of the listed critical illnesses.
Unique Features
Senior citizen
Secure your parents' future by providing medical coverage to senior citizens.
Unique Features
Student Specific
Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.
Unique Features
COVID-19
This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.
Unique Features
Disability Plan
An indemnity health insurance designed for people falling under the category of disabled, affected with HIV/AIDS, and mental illnesses.
Unique Features
Group Health Plan
It is a group indemnity health insurance plan designed to address the basic health insurance needs of employees.
Unique Features
National health insurance company is famous for creating products that are flexible enough to meet the requirements of their customers. There are a number of benefits to choosing National Insurance as your health insurance partner. Read below to know more:
If there is any requirement for hospitalization any illness or injury during the policy year will be covered by the policy.
The health insurance policy by National Insurance will cover daycare medical procedures or treatment along with doctor-recommended procedures or surgeries.
With the National Insurance policy, you will get the facility of an air ambulance facility. So, do not worry if there is any requirement to take up the medical facility out of the city, then you will be covered.
A health check for 40 years and above or someone who is opting for SI Rs 6 Lakh and above is included in the policy.
National Insurance Company understands the value of beautiful moments in your life. Thus they offer maternity cover as well.
The waiting period is the duration in which you have to wait before making the claim. This waiting period applies from the date you buy the policy and lasts up to 15 days to 4 years depending upon policy to policy.
National Health Insurance generally adds following waiting periods.
Choosing a health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what are the things they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let's check out some of the factors that you should consider before buying a health insurance policy:
Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more.
Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.
Your premiums will be less at an early age.
At an early age, a continuous cover with renewals will help you to go out with the waiting period.
No medical test is required if you purchase health insurance at an early age.
You can avail a no-claim bonus for every claim-free year.
You do not need to share your medical bills as the co-payment is not applicable in this case.
To avail of the benefits consistently, you need to renew your health insurance policy on time. In the below content, you will get some simple steps on how to renew your health insurance policy.
When you visit the official website of National Health Insurance, click on the "Renew existing Policy" box.
It will redirect you to the main page, where you need to fill in the policy number and captcha.
Review the policy and fill in the details.
Now choose the mode of payment and complete the payment.
Once the payment is made, your policy will be renewed instantly.
To file a claim you need to follow the below steps. National Health Insurance Company offers the easiest way to file a claim.
The cashless facility is only for policies that are purchased via a Third-Party Administrator (TPA).
Note: You need to inform the company within 48 hours (in case of emergency hospitalization) and 3 days before your admission (for planned hospitalization)
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
You can calculate your health insurance premiums online at Policyx. This National Health premium calculator is a tool that is designed to enable some potential buyers to estimate the premiums that they need to pay.
If you think, your current health insurance coverage is not sufficient to meet your healthcare needs, then you can opt for a National Health Insurance Super Top-Up plan to provide supplement your coverage. Here are the top-up plans National Insurance offers:
National Health Insurance Company is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about National Health Insurance Customer Care.
National Insurance Company Ltd., 3, Middleton Street, Prafulla Chandra Sen Sarani, Kolkata, West Bengal, 700071
customer.portal@nic.co.in
22831705/ Fax: 22831740
These policies cover the policyholders with in-patient treatment, daycare treatments, pre-hospitalization and post-hospitalization, ambulance cover, and so on.
Yes, National Insurance provides health insurance plans that cover people traveling abroad for business, education, or leisure.
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.
You receive multiple benefits from National Insurance health plans like maternity cover, critical illness cover, overseas cover, genetic disorder cover, and more.
National Insurance has a National Parivar Mediclaim Policy that includes maternity coverage. It covers all expenses incurred in normal or cesarean delivery.
Dental treatment is not covered unless necessitated due to an Injury.
Renewing your National Health policy online is a convenient process. Follow the below steps for the same:
Log in to the company's website with valid credentials and enter the policy number.
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.
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).
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.
Yes, non-allopathy treatment, including Ayurveda and homoeopathic treatment, is covered under the National Health Insurance Policy.
The following reports are necessary for the pre-policy checkup:
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.
Yes, the company has a 15-day free look period during which the policyholder can return it.
Compare National Health Insurance mediclaim policies with other top insurers in India.
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An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
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February 5, 2023
Asia/Kolkata
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