National Health Insurance
National Insurance Company Limited, a wholly-owned Government of India undertaking, is the oldest public sector general insurance company in India. In...Read More
Network hospitals
3200+
Claim settlement ratio
91.31%
Sum insured
Up to2 Crores
No. of Plans
11
Solvency Ratio
0.3
Pan India Presence
850+
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Reviewed By:
Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.
Updated on Apr 08, 2025 4 min read
National Health Insurance Company
One of the oldest 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 and foreign countries.
What are some of the
Features
that set them apart?
-
1
India's first insurer to introduce Insurance on Wheels
-
2
A comprehensive wellness system to promote a healthy lifestyle
-
3
More than 90% claim settlement ratio
-
4
100% GOI owned entity
-
5
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
National Health Insurance Detailed Review
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Best Selling National Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Senior Citizen Health Insurance
National Health Insurance Plans Eligibility Approximate Annual Premiums National Senior Citizen Policy Entry Age - 60 to 80 Years
Sum Insured - Up to 10 LRs. 7,313
-
Top Up and Super Top Up
National Health Insurance Plans Eligibility Approximate Annual Premiums Super Top-up Mediclaim Policy Entry Age - Children: 3 Months to 18 Years, Adult: 18 to 65 years
Sum Insured - Up to 20 LRs. 1,090
-
Critical Illness Health Insurance
National Health Insurance Plans Eligibility Approximate Annual Premiums National Corona Kavach Policy Entry Age - Min- Day 1, Max- 64 years
Sum Insured - Up to 5 LRs. NA
-
Individual and Family Health Insurance
National Health Insurance Plans Eligibility Approximate Annual Premiums National Arogya Sanjeevani Policy Entry Age - Entry Age: 18 - 65 Years, Dependent children: 3 months to 25 years
Sum Insured - Up to 10 LRs. NA
National Parivar Mediclaim Policy Entry Age - Min: 3 Months, Max: 65 Years
Sum Insured - Up to 10 LRs. NA
-
Accident Health Insurance
National Health Insurance Plans Eligibility Approximate Annual Premiums National Personal Accident Policy Entry Age - 5 years - 70 years
Sum Insured - Up to 10 LRs. NA
-
Group Health Insurance
National Health Insurance Plans Eligibility Approximate Annual Premiums National Insurance Group Mediclaim Policy Entry Age - Min- 3 Months, Max- No Limit
Sum Insured - Up to 10 LRs. 1,404
Key Features Of National Health Insurance
Let us take a look at some unique features of top-selling National Health Insurance policies:
For Senior Citizen Health Insurance
National Senior Citizen Policy
National Senior Citizen Mediclaim Policy is a plan especially designed and launched for senior citizens, allowing them to live a relaxed life post-retirement.
Why Do We Recommend This?
- Choose between 2 plan options
- Good health incentive
- Preventive Health Check-Up
For Top Up and Super Top Up
Super Top-up Mediclaim Policy
National Super Top Up Mediclaim Policy is a high threshold health insurance product, covering the members of a family under a single sum insured on a floater basis or each member on an individual sum insured basis.
Why do we recommend this?
- Room rent covered
- Cataract covered
- Modern treatment covered
For Critical Illness Health Insurance
National Corona Kavach Policy
The plan is specially designed to help people overcome the stress of paying heavy hospital bills that arise while getting treatment for COVID-19 infection.
Why do we recommend this?
- Comprehensive Cover
- COVID Hospitalization Cover
- Home Care Treatment Expenses
For Individual and Family Health Insurance
National Arogya Sanjeevani Policy
National Arogya Sanjeevani Policy is a standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals as well as floater type which covers spouse, dependent legitimate or legally adopted children, parents, parents-in-law, newborn from 3 months age.
Why do we recommend this?
- Tax Benefits
- Avail 10% discount
- Avail of premium payment instalments
For Accident Health Insurance
National Personal Accident Policy
This policy is designed to cater to high-risk professionals/individuals categorized as the normal, medium, and heavy risk of the occupation involvement of the person. Hence, the payable premium varies from normal to heavy-risk individual/s in an ascending order.
Why do we recommend this?
- Accidental benefits
- Loss of body parts
- Dead body mobility
For Group Health Insurance
National Insurance Group Mediclaim Policy
The plan caters to the basic health care needs of an employer-employee and a non-employer-employee. Anyone is entitled to get issued with this policy on an individual basis under a group.
Why do we recommend this?
- Hospitalisation benefits with sub-limit
- Pre-existing disease cover
- Modern treatment cover
Explore other National Health Insurance
To cater to the different medical needs of an individual & their family, National Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to National Health Insurance plans explore more:
Senior Citizen Health Insurance
National Senior Citizen Mediclaim Policy is a plan especially designed and launched for senior citizens, allowing them to live a relaxed life post-re...
Unique Features
- Plan options available
- Domiciliary hospitalization
- Modern treatments
National Senior Citizen Policy (Pros)
- Reinstatement of Sum Insured
- Cataract
- Ambulance Cover
National Senior Citizen Policy (Cons)
- Obesity
- Adventure Sports
- Illegal Activities
National Senior Citizen Policy (Other Benefits)
- Hospital Cash
- Doctor’s Home Visit
- Funeral Expenses
National Senior Citizen Policy (Eligibility Criteria)
- Min entry age: 60 Years
- Max entry age: 80 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 10 L
Top Up and Super Top Up
National Super Top Up Mediclaim Policy is a high threshold health insurance product, covering the members of a family under a single sum insured on fl...
Unique Features
- Super Top-up Mediclaim features and benefits
- Eligibility criteria
- Modern treatment cover
Super Top-up Mediclaim Policy (Pros)
- Organ donation covered
- Morbid obesity treatment covered
- Portability allowed
- High SI
Super Top-up Mediclaim Policy (Cons)
- Treatment outside India
- OPD diagnosis
- Adventure sport injuries
Super Top-up Mediclaim Policy (Other Benefits)
- Affordable premiums
- Tax benefits
- HIV/AIDS cover
Super Top-up Mediclaim Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 20 L
Critical Illness Health Insurance
The deadly virus called 'COVID-19' has proved to be an eye-opener for all of us in understanding the importance of protecting our family's health. Eve...
Unique Features
- Corona Kavach features and benefits
- Eligibility requirements
- Buying process of the plan
National Corona Kavach Policy (Pros)
- Covers spouse and children
- Home care treatment
- No sub-limit
National Corona Kavach Policy (Cons)
- Treatment outside India
- OPD diagnosis
- Injury due to illegal activity
National Corona Kavach Policy (Other Benefits)
- 15 day pre hospitalisation
- Discount available
- Tax benefit
National Corona Kavach Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 5 L
Individual and Family Health Insurance
National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, having Sum Insured up to 10...
Unique Features
- Understand the plan features
- Learn about its eligibility criteria
- Know more about its exclusions
National Arogya Sanjeevani Policy (Pros)
- Online purchase dicount
- EMI facility available
- High SI
- Affordable premium
National Arogya Sanjeevani Policy (Cons)
- Treatment outside India
- OPD diagnostics
- Adventure sport injuries
- Injury due to illegal activities
National Arogya Sanjeevani Policy (Other Benefits)
- Enhanced limits for room rent
- Avail online discounts
- Change sum insured
- Lifelong renewal
National Arogya Sanjeevani Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 50 L
Individual and Family Health Insurance
National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family floater plan that pro...
Unique Features
- Explore the plan’s key features
- Find out the eligibility criteria
- Learn its benefits & exclusions
National Parivar Mediclaim Policy (Pros)
- Infertility treatment cover
- Vaccination covered
- Ambulance covered
- Cataract covered
National Parivar Mediclaim Policy (Cons)
- Treatment outside India
- OPD diagnosis
- Adventure sports
National Parivar Mediclaim Policy (Other Benefits)
- AYUSH cover
- No co-pay
- Vaccination
National Parivar Mediclaim Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 10 L
Individual and Family Health Insurance
National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to the policyholders. This plan was la...
Unique Features
- National Mediclaim plan features and benefits
- Eligibility criteria
- Easy claim process
National Mediclaim Policy (Pros)
- All-Inclusive Coverage
- Maternity Benefits
- No Claim Bonus
National Mediclaim Policy (Cons)
- Cosmetic Surgery
- IVF
- Dental Treatment
National Mediclaim Policy (Other Benefits)
- Tax Benefits
- Avail 10% Discount
- Health Incentives
National Mediclaim Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 10 L
Individual and Family Health Insurance
National Medicliam Plus Policy is a high sum insured policy that indemnifies for In-patient treatment expenses and 140+ Day Care Procedures/surgeries,...
Unique Features
- National Mediclaim Plus features
- Learn about the eligibility criteria
- Exclusions & claim process
National Mediclaim Plus Policy (Pros)
- 12 modern treatment covered
- Maternity covered
- Lifelong renewability
National Mediclaim Plus Policy (Cons)
- Pre-existing diseases
- Treatment outside India
- Adventure sports injury
National Mediclaim Plus Policy (Other Benefits)
- COVID vaccination
- Air ambulance
- Hospital cash benefit
National Mediclaim Plus Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 50 L
Accident Health Insurance
You can buy the National Insurance personal accident plan on an individual or family floater basis that acts as a standalone policy. This policy is de...
Unique Features
- PPD/ PTD & TTD cover
- Accidental death coverage
- Assured death payout
National Personal Accident Policy (Pros)
- 100% accidental death payout
- PTD benefit
- PPD benefit
- TTD benefit
National Personal Accident Policy (Cons)
- PEDs not cover
- Adventure sports not covered
- Vaccination not covered
National Personal Accident Policy (Other Benefits)
- Mortal remains portability
- Death coverage benefits
- Loss of organ cover
- Educational fund
National Personal Accident Policy (Eligibility Criteria)
- Entry age: 5-70 years
- SI: Upto INR 10 lakh
- Policy tenure: 1 year
- Waiting period: None
Group Health Insurance
Buying individual health insurance may seem hectic for some of us, as the monthly premiums might be a pain for our pockets. Here comes the contributio...
Unique Features
- Coverage for modern treatment
- Covers HIV/AIDS treatment
- Covers 140+ daycare procedures
National Insurance Group Mediclaim Policy (Pros)
- 140+ daycare procedure
- HIV cover
- Affordable premiums
- AYUSH cover
National Insurance Group Mediclaim Policy (Cons)
- Treatment outside India
- OPD diagnostic
- Adventure sport injuries
- Injuries due to illegal activity
National Insurance Group Mediclaim Policy (Other Benefits)
- Co-pay discounts available
- PED cover
- 30 day pre-hospitalisation
- Modern treatment
National Insurance Group Mediclaim Policy (Eligibility Criteria)
- Entry age- 3 Months
- Max entry age- N/A
- SI- 50K to 10 L
- Waiting Period- 30 days
Individual and Family Health Insurance
National Young India Mediclaim Policy, an indemnity-based insurance policy is available as an individual and family floater health plan. A standard he...
Unique Features
- Maternity Cover
- Cataract Cover
- High SI
National Young India Mediclaim Policy (Pros)
- Room Rent Cover
- Day Care Procedure
- AYUSH Treatment
National Young India Mediclaim Policy (Cons)
- Morbid Obesity Treatment
- Illegal Activites
- Adventure Sports
National Young India Mediclaim Policy (Other Benefits)
- Cumulative Bonus
- Wellness Discount
- Long Term Discount
National Young India Mediclaim Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 43 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 10 L
Individual and Family Health Insurance
National Parivar mediclaim plus is a versatile family floater health insurance policy that comes in three different plan options that are A, B, and C....
Unique Features
- Multiple Plan Options
- Up to 50 L SI
- Avail Maternity Cover
National Parivar Mediclaim Plus Policy (Pros)
- Multiple Discount Options
- Tax Benefits
- Road Accident Cover
National Parivar Mediclaim Plus Policy (Cons)
- Hazardous or Adventure Sports
- Treatment for Alcoholism
- Drug or Substance Abuse
National Parivar Mediclaim Plus Policy (Other Benefits)
- Maternity Cover
- Infertility Treatment
- Vaccination for Children
- Obesity
National Parivar Mediclaim Plus Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 50 L
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National Health Insurance
National Health Insurance Plan 2024
Why Choose National Health Insurance?
- Versatile and affordable health insurance plans for every need
- 24X7 customer support for easy claim settlement
- Over 3200 network hospitals all over India
- Offers comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
Factors to Consider While Buying A Health Insurance Plan
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
-
Individual or Family Floater Plan
Whenever choosing a plan your first step should be to check whether your requirement is for yourself or your family. Most of the time family floater plans are beneficial for those who want to secure their family as it is cheaper than the individual one. -
Cover Amount
We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help a lot to meet the expenses. In this, it is also necessary to choose a policy that offers maximum coverage and amount for your health claims. -
Co-Payment Clause
Every policy has some clauses that you need to follow. A co-payment clause is one of those clauses. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in. -
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
Look for the time period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illness as well, you need to check for that too. -
Lifetime Renewal
It might be possible that you need healthcare when you grow old. So, look for a policy that provides lifetime renewal options. -
Compare the Premiums
You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims and vice versa.
What is Covered?
Pre and Post Hospitalization Expenses
National Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most National Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
National health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the National health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. National health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is not Covered?
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 kinds of cosmetic surgeries or treatments.
Adventure Sports
National Health Insurance plans will not cover you for hospitalizations, or accidents caused due to 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 unlawful activities.
What Are The Different Waiting Periods In National Health Insurance Plans?
The various waiting periods associated with National Health plans are:
Initial Waiting Period
Begins from the date of purchase and lasts for 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 in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.
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 outlive the survival period to enjoy coverage benefits.
National Health Insurance Plans Buying Process
If you are looking forward to purchasing National Health insurance online follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare National Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased National health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your National Health Insurance plan.
Why Choose Online Procedure to Buy Mediclaim Policy?
Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more.
-
Easy to Compare
Online platforms give access to compare different National Health plans in the same place. You can pick the right one for you while comparing the premiums. -
Buying Insurance within 5 minutes
At an online platform, you can choose and buy your policy within 5 minutes, without any hustle and bustle. -
24*7 Customer Service
The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts. -
Instant Quote
With online accessibility, you can get quotations with just one click. You can collect several quotes and choose the right one for you.
National Health Insurance Renewal Process
Follow the 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
Mention your ‘Policy Number’ and ‘Date Of Birth’
Connect with our insurance experts for National health insurance policy renewal at 1800-4200-269
National Health Insurance Plan Claim Process Steps
You can file for cashless as well as 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 the "Intimate Claim" to check out the form.
- Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
- Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Documents Required For National Health Policy Claim Settlement
Submit the following documents when filing for National health claims:
- 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 tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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