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National Health Insurance Plan 2024
National Health Insurance
National Health Insurance
National Insurance Company Limited is the oldest government-owned general insurance company in India. It was started on ...Read More
3,200+
Cashless hospitals
91.31%
Claim settlement
2 Crores
Max sum insured
11
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,705 reviews
🏥 3,200+ hospitals
📊 -0.67x solvency ratio
✅ 91.31% claim settlement
What you get with National Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 2 Crores
Coverage scales from entry-level individual plans to high-end family-floater protection.
3,200+ cashless hospitals
Direct billing at network hospitals across 850 presence — no out-of-pocket payment at admission.
91.31% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
-0.67x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
11 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About National Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
National Health Insurance Company
National Health Insurance Company, one of India's oldest general insurance providers, offers products designed to provide financial protection when needed. Founded in December 1906, it merged with other companies in 1972 to become one of the four subsidiaries of the General Insurance Corporation of India. In August 2002, it was delinked to operate as an independent insurance company. The company currently operates from 1,730 offices in India and abroad.
Key Highlights:
- 3200+ Network Hospitals
- 850+ Offices Across India
- 100+ Years of Trust
- Sum Insured Up To 2 Cr
- 24X7 Customer Support
Features that set them apart:
- India's first insurer to introduce Insurance on Wheels
- A comprehensive wellness system to promote a healthy lifestyle
- More than 90% claim settlement ratio
- 100% GOI owned entity
- Pioneer in social schemes
National Health Insurance Awards and Accolades
- ICC - Indian Chamber of Commerce Award
- ASSOCHAM Award
- The Economic Times Iconic Brands 2018
- The Asset Asian awards
- The Economic Times BEST BRAND AWARD 2016
Why Choose National Health Insurance?
Factors to Consider While Buying a Health Insurance Plan
Choosing a health insurance plan can be stressful and confusing. It's crucial to have a clear understanding of what a plan offers and covers. Once you are positive about the plan benefits, it becomes easier to make informed decisions. Let's check out some factors you should consider before buying a health insurance policy:
Individual or Family Floater Plan
When choosing a plan, first determine if it's for an individual or your family. Family floater plans are often more beneficial for securing a family as they are generally more affordable than individual plans.
Cover Amount
With growing inflation, medical expenses are increasing. Health insurance helps meet these expenses. It's important to choose a policy that offers maximum coverage for your health claims.
Co-Payment Clause
Every policy has clauses you need to follow, including a co-payment clause. This means you have to bear a certain percentage of the claim amount for every claim you make. Always check the co-payment percentage your policy requires.
Hospital Network
Always check the list of hospitals included in your policy. Keep in mind what kind of medical facilities you might need in the future.
Waiting Period
Check the waiting period before you can claim reimbursement. Some policies also impose a waiting period on critical illnesses, which you should be aware of.
Lifetime Renewal
As you age, healthcare needs may increase. Look for a policy that provides lifetime renewal options.
Compare the Premiums
You should always compare premiums from more than two policies. This thoughtful action can prevent you from overpaying for less coverage or vice versa.
Why Choose National Health Insurance Plans?
National Health Insurance Company is known for creating flexible products that meet diverse customer requirements. Here are some key benefits of choosing National Insurance as your health insurance partner:
Great Company Profile
National Health Insurance is a well-known company in the health insurance market. With over a century of experience, the company has built an amazing portfolio and trust among its customers.
Network Hospitals
National Insurance offers a vast network of hospitals across India where policyholders can avail cashless treatment. National Health policies enable access to cashless network hospitals, facilitating customers to benefit from the best healthcare without compromising their financial situation.
Solvency Ratio
According to IRDAI, it is mandatory to maintain a Solvency Ratio of 1.5. National Health Insurance currently has a Solvency Ratio of 0.31.
Annual Premium
This indicates the total number of policies sold and premiums collected by an insurance company. As per the IRDAI Annual Report 2021-22, National Health Insurance's Annual Gross Premium was ₹13,076.83 crores.
Claim Support
National Health Insurance has a claim settlement ratio of 86.28% according to IRDAI reports, indicating the company's reliability and commitment to its customers. It is advisable to choose an insurance company with a good claim settlement ratio.
Choose National Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
National Health Insurance
All 11 National Health Insurance plans
Every plan currently being sold by National Health Insurance, shown side-by-side so you can shortlist quickly.
National Senior Citizen Policy
National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retirement. It c…
- Reinstatement of Sum Insured
- Cataract
- Ambulance Cover
Super Top-up Mediclaim Policy
National Super Top-up Mediclaim Policy is a high-threshold health insurance product, covering family members under a single sum insured on …
- Organ donation covered
- Morbid obesity treatment covered
- Portability allowed
- High SI
National Corona Kavach Policy
National Health Insurance Company has recently launched an insurance plan called 'Corona Kavach Policy' that provides coverage for expenses…
- Covers spouse and children
- Home care treatment
- No sub-limit
National Arogya Sanjeevani Policy
National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, with a Sum Insur…
- Online purchase discount
- EMI facility available
- High Sum Insured
- Affordable premium.
National Parivar Mediclaim Policy
National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family floater pl…
- Infertility treatment cover
- Vaccination covered
- Ambulance covered
- Cataract covered
National Mediclaim Policy
National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to policyholders. This plan…
- All-Inclusive Coverage
- No Claim Bonus
- Lifelong Renewability
- Wide Network of Hospitals
National Mediclaim Plus Policy
National Mediclaim Plus Policy is a high sum insured policy that indemnifies for in-patient treatment expenses, 140+ day care procedures/su…
- 12 modern treatment covered
- Maternity covered
- Lifelong renewability
National Personal Accident Policy
You can buy the National Insurance personal accident plan on an individual or family floater basis; it acts as a standalone policy. This po…
- 100% accidental death payout
- PTD benefit
- PPD benefit
- TTD benefit
National Insurance Group Mediclaim Policy
Buying individual health insurance can be challenging due to high monthly premiums. A group mediclaim policy offers comprehensive health su…
- 140+ daycare procedures
- HIV cover
- Affordable premiums
- AYUSH cover
National Young India Mediclaim Policy
National Young India Mediclaim Policy is an indemnity-based insurance policy available as an individual and family floater health plan. Thi…
- Room Rent Cover
- Day Care Procedure
- AYUSH Treatment
National Parivar Mediclaim Plus Policy
National Parivar Mediclaim Plus is a versatile family floater health insurance policy that comes in three different plan options: A, B, and…
- Multiple Discount Options
- Tax Benefits
- Road Accident Cover
Quick comparison
Side-by-side across the 3 most-bought National Health Insurance plans on PolicyX.
| Feature | National Senior Citizen Policy | Super Top-up Mediclaim Policy | National Corona Kavach Policy |
|---|---|---|---|
| Plan type | Senior Citizen Health Insurance | Top Up and Super Top Up | COVID-19 Specific Health Insurance |
| Sum insured | 1 L, 3 L, 5 L, 8 L, 9 L, 10 L | 3 L, 5 L, 7 L, 10 L, 15 L, 20 L | 500K, 1 L, 3 L, 5 L |
| Entry age | 60 to 80 Years | Children: 3 months to 18 years, Adult: … | Min- Day 1, Max- 64 years |
| Top benefits | Reinstatement of Sum Insured · Cataract | Organ donation covered · Morbid obesity treatment covered | Covers spouse and children · Home care treatment |
What's covered — and what's not
The standard inclusions and exclusions across National Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Pre and Post Hospitalization Expenses National Health Insurance understands the impact of rising medical expenses, thus ensuring their insurance products cover pre and post-hospitalization expenses related to in-patient hospitalization.
- AYUSH Treatments Most National Health Insurance plans have in-built alternative treatment cover. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- Hospitalization Expenses National Health Insurance plans cover hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other related expenses.
- Day Care Treatments Many medical procedures do not require 24-hour hospitalization. Therefore, most National Health Insurance plans are designed to cover daycare procedures for policyholders.
- Domiciliary Hospitalization Upon a doctor's recommendation, a policyholder can avail medical care at home. National Health Insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- Self-Inflicted Injuries National Health policies will not cover injuries or hospitalization caused by self-harm.
- Cosmetic Procedures National Health Insurance plans do not cover any cosmetic surgeries or treatments.
- Adventure Sports National Health Insurance plans will not cover hospitalizations or accidents caused by adventure sports.
- Obesity or Weight Control Treatments National Health Insurance plans mostly do not cover treatments related to obesity and weight management, such as bariatric surgeries.
- Involvement in Illegal Activities National Health Insurance company plans do not cover individuals or families for hospitalization or injuries caused due to illegal activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form, in original
- Valid photo ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic test reports, radiology reports, and payment receipts
- Indoor case papers
- First Information Report (FIR) and final police report, if applicable
- Post-mortem report, if applicable
- Any other document required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
What Are the Different Waiting Periods in National Health Insurance Plans?
Initial Waiting Period
This period begins from the date of purchase and typically lasts up to 30 days for most National Health Insurance plans.
Pre-existing Disease Waiting Period
National Health Insurance plans require you to serve specific waiting periods if you are diagnosed with Pre-Existing Diseases (PEDs) such as hypertension, diabetes, or any other condition.
Survival Period
Like waiting periods, National Health Insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must survive the specified duration to be eligible for coverage benefits.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking to purchase National Health Insurance online, follow these simple steps:
Step 1: Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and your city.
Step 2: Click on 'Get free quotes' and compare National Health Insurance plans as per your needs.
Step 3: Select your preferred National Health Insurance plan and pay premiums online.
Step 4: Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries after purchasing your National Health Insurance plan.
Purchasing a medical insurance policy online, either from PolicyX or directly from the company, offers numerous benefits. Here's why:
Easy to Compare
Online platforms allow you to compare different National Health plans in one place. You can choose the right plan by comparing premiums.
Buying Insurance within 5 minutes
At an online platform, you can choose and buy your policy within 5 minutes, without any hassle.
24*7 Customer Service
Our experts are always at your service. You can contact them anytime to clarify your doubts.
Instant Quote
Online accessibility allows you to get instant quotes with just one click. You can collect several quotes and choose the right one.
You can file for both cashless and reimbursement claims for your National Health Insurance plans by following these easy steps:
Step 1: Visit the website of National Health Insurance, and select the "Claim" option. Then click on "Intimate Claim" to access the form.
Step 2: Select "health claim" and provide the required information, including policy number, date of birth, and other requested details.
Step 3: Select the "claim type" (cashless or reimbursement). Click on 'Authorize' and you will receive an OTP on your verified mobile number.
Step 4: Verify with the OTP and fill in the required hospital admission information. Select the hospital, and provide hospital details if it's a non-network hospital.
Step 5: Upload the requested documents and click on the "Review" button.
Step 6: After reviewing, submit the intimation for the company's review. You will receive a claim intimation number, which you should note down for future reference.
Follow these steps for National Health Insurance policy renewal:
Step 1: Visit the official website of National Health Insurance Company.
Step 2: Click on the ‘Renew’ tab.
Step 3: Enter your Policy Number and Date of Birth.
For assistance with National Health Insurance policy renewal, connect with our insurance experts at 1800-4200-269.
Frequently asked questions
The 15 most-asked questions about National Health Insurance, answered.
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: 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.
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: Physical examination (report must be signed by a doctor with at least an MD (Medicine) degree) HbA1c Profile of lipids Creatinine in the blood Urine tests and microscopic examinations are routinely performed. ECG 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.
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 Health Insurance Companies
Pick any two insurers to see a detailed side-by-side comparison.
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Customer satisfaction
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Health Insurance Premium Calculator
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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