National Health Insurance Plan
  • COVID-19 specialised plans
  • 24*7 customer assistance
  • Lifetime renewability
National Health Insurance
premium

Network hospitals

3000+

premium

Claim settlement ratio

86.28%

premium

Sum insured

Up to 5 Lakh

premium

No. of Plans

14

premium

Solvency Ratio

0.31

premium

Pan India Presence

1730

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3000+

premium

Claim settlement ratio

86.28%

premium

Sum insured

Up to 5 Lakh

premium

No. of Plans

14

premium

Solvency Ratio

0.31

premium

Pan India Presence

1730

National Health Insurance Company

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.

What does National Health Insurance Do?

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.

Some Interesting Facts about National Health Insurance

  • National Health Insurance is the oldest health insurance company in India.
  • It was founded in Kolkata to fulfil the nationalist aspiration for the Swaraj Movement.
  • In 1972, it merged with 21 foreign and 11 Indian companies to form National Insurance Company Limited.
  • In 2002, it was separated and formed an independent insurance company.
  • Currently, National Insurance Company has a range of 300 products in the market.
  • The company has taken up CSR activities to operate in an economically, socially, and environmentally friendly manner.

Some of the Awards and Achievements

  • The first company to introduce the Office on Wheels concept.
  • Economic Times Iconic Brands 2018 in the General Insurance category.
  • SKOCH order of merit 2017 for General Insurance Company of the year.
  • The Asset Asian Awards 2017 for cash management solutions.

Recommended Videos

National Health Insurance

National Health Insurance

A Quick Outlook

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 Plans

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

National Health Insurance Individual & Family Plans

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

  • Avail cover up to 50 lakhs
  • Critical Illness benefit
  • 5% Increase in SI

Mediclaim Policy (Pros)

  • 140+ Daycare Treatments
  • 50% No-Claim Bonus
  • Tax Benefits
  • Online Discounts Available
  • Health Check-up Available

Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

  • COVID Vaccination
  • Flexible-Premium Facility
  • AYUSH Treatment
  • Room Rent Cover
  • Robotic surgeries Cover

Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

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

  • 12 Modern treatments
  • Maternity cover
  • Lifelong renewability

Mediclaim Policy (Pros)

  • Up to 50 L SI
  • 50% No-Claim Bonus
  • Tax Benefits
  • OPD Treatment Available
  • Health Check-up Available

Mediclaim Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

  • COVID Vaccination
  • Air Ambulance Cover
  • Maternity Cover
  • Hospital Cash Benefit
  • Children Vaccination Available

Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 30 Days

Family Floater

An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.

Unique Features

  • Infertility treatment cover
  • Vaccination for children
  • Cataract Treatment Covered

Parivar Mediclaim Policy (Pros)

  • 140 + day care procedures covered
  • Affordable Premiums
  • Maternity Cover
  • Ambulance Cover
  • Infertility Cover

Parivar Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Parivar Mediclaim Policy (Other Benefits)

  • Organ Donor Expenses
  • Vaccination Cover
  • AYUSH Cover
  • No Pre-Policy Check-Up
  • No Co-Pay

Parivar Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

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

  • Cover up to 50 Lakhs
  • 5% No claim discount
  • Critical Illness Benefit

Parivar Mediclaim Plus Policy (Pros)

  • High SI
  • Zone Wise Premiums
  • Multiple Discounts
  • Optional Covers Available
  • OPD Cover

Parivar Mediclaim Plus Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Parivar Mediclaim Plus Policy (Other Benefits)

  • Affordable Premiums
  • Tax Benefit
  • AYUSH Cover
  • Anti Rabies Vaccination
  • Air Ambulance

Parivar Mediclaim Plus Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 6 L to 50 L
  • Waiting Period - 30 Days

Standard

Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.

Unique Features

  • Individual/Floater
  • Online purchase discount
  • EMI facility available

Arogya Sanjeevani Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • Up to 50% No-claim Bonus
  • Flexible-Premium Payment

Arogya Sanjeevani Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Arogya Sanjeevani Policy (Other Benefits)

  • Enhanced Limits for Room Rent
  • Avail Online Discounts
  • Change Sum Insured
  • Lifelong Renewal
  • AYUSH Treatment

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Super Top-up

This policy covers your family members and offers high coverage at affordable prices.

Unique Features

  • Organ donation covered
  • Morbid obesity treatment covered
  • Portability allowed

Super Top Up Mediclaim Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • HIV/AIDS Cover
  • Obesity Treatment

Super Top Up Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Super Top Up Mediclaim Policy (Other Benefits)

  • No Sub-Limits
  • Tax Benefits
  • No Base Policy Required
  • Multiple Discounts
  • Up to 50% No-Claim Bonus

Super Top Up Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 20 L
  • Waiting Period - 30 Days

Comprehensive

A versatile health insurance policy available on an individual and family floater basis offering various optional covers.

Unique Features

  • No pre-policy Check-up
  • Health Incentives
  • Tax Benefits

Young India Mediclaim Policy (Pros)

  • Multiple Discounts Available
  • Zone Wise Premium
  • COVID Vaccination
  • Daycare Treatment Cover
  • Comprehensive Cover

Young India Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Young India Mediclaim Policy (Other Benefits)

  • High SI
  • Cataract Cover
  • Maternity Cover
  • AYUSH Treatment Cover
  • Personal Accident Cover

Young India Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 43 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

National Health Insurance Specialized Plans

Global Coverage

Overseas Mediclaim Business and Holiday

This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.

Unique Features

  • Coverage for business travel
  • Coverage for education abroad
  • Medical evacuation available

Overseas Mediclaim Business and Holiday (Pros)

  • Loss of Baggage Cover
  • Corporate Cover
  • Personal Accident Cover
  • Loss Of Passport Cover
  • Personal Liability Cover

Overseas Mediclaim Business and Holiday (Cons)

  • Hazardous Occupation
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

National OMBH Policy (Other Benefits)

  • Check-in Baggage Delay
  • Tax Benefit
  • Loss Of Check-in Baggage
  • Dental services
  • Permanent Total Disablement

National OMBH Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - N/A
  • Waiting Period - 30 Days

Global Coverage

Overseas Mediclaim Employment and Study Plan

A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.

Unique Features

  • Medical Evacuation
  • 5k USD medical emergency cover
  • Mental illness cover

Overseas Mediclaim Employment and Study Plan (Pros)

  • Illness Expense Cover
  • Accident Cover
  • Medical Evacuation
  • Transportation of Remains
  • Loss of Entire Sight Cover

Overseas Mediclaim Employment and Study Plan (Cons)

  • Hazardous Occupation
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

National OMES Policy (Other Benefits)

  • Permanent Total Disablement
  • Tax Benefit
  • Mental Illness Cover
  • Funeral Expenses
  • Affordable Premiums

National OMES Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - N/A
  • Waiting Period - 30 Days

Critical Illness

National Critical Illness Policy

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

  • Cover up to 75 Lakhs
  • Covers pre-existing conditions
  • 37 critical illnesses covered

Critical Illness Policy (Pros)

  • High SI
  • Cancer Cover
  • Lump Sum Benefit
  • Short Survival Period
  • Sum Insured Enhancement

Critical Illness Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Critical Illness Policy (Other Benefits)

  • Affordable Premiums
  • Tax Benefit
  • Brain Surgery Cover
  • Alzheimer's Disease
  • Aorta Graft Surgery Cover

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 75 L
  • Waiting Period - 30 Days

Senior citizen

Secure your parents' future by providing medical coverage to senior citizens.

Unique Features

  • 5% increase in SI
  • 2 Plan options
  • Covers spouse

Senior Citizen Mediclaim Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • Up to 50% No-claim Bonus
  • Optional Covers Available

Senior Citizen Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Senior Citizen Mediclaim Policy (Other Benefits)

  • Regular medical consultation
  • Avail Online Discounts
  • AYUSH Treatment
  • Domiciliary Hospitalization
  • Hospital Cash

Senior Citizen Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 65 Years
  • Max Entry Age - 70 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Student Specific

National Vidyarthi Mediclaim Policy

Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.

Unique Features

  • Covers parents and students
  • Eyesight correction
  • Genetic disorders covered

Vidyarthi Mediclaim Policy (Pros)

  • Group Discount
  • 50% No-Claim Bonus
  • Tax Benefits
  • Hospitalization Cover
  • In-Patient Care

Vidyarthi Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Vidyarthi Mediclaim Policy (Other Benefits)

  • 12 Modern Treatment
  • Mental Illness
  • Genetic Disorders Cover
  • Eyesight Correction
  • Pre & Post Hospitalization

Vidyarthi Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 50K to 2 L
  • Waiting Period - 30 Days

COVID-19

This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.

Unique Features

  • Covers spouse and children
  • 5% discount for health staff
  • 10% online discount

Corona Kavach Policy (Pros)

  • Home Care Treatment
  • COVID Care
  • No Sub-Limits
  • No Pre-Policy Check-Up
  • Affordable Premiums

Corona Kavach Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Corona Kavach Policy (Other Benefits)

  • 15 Day Pre Hospitalization Cover
  • 30-Day Post-Hospitalization Cover
  • Discounts Available
  • Tax Benefits
  • Oxygen Cylinder Cover

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Disability Plan

National Divyan Sanjeevani Policy

An indemnity health insurance designed for people falling under the category of disabled, affected with HIV/AIDS, and mental illnesses.

Unique Features

  • No pre-policy check-up
  • Affordable Premiums
  • Tax Benefits

Divyan Sanjeevani Policy (Pros)

  • In-Patient Hospitalization
  • AYUSH Cover
  • Day Care Cover
  • Dental Treatment
  • Modern Treatment

Divyan Sanjeevani Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Divyan Sanjeevani Policy (Other Benefits)

  • Cataract Treatment
  • Acid Attack Cover
  • Blindness Cover
  • Chronic Neurological Cover
  • Ambulance Cover

Divyan Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - Newborn
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

Group Health Plan

National Group Mediclaim Policy

It is a group indemnity health insurance plan designed to address the basic health insurance needs of employees.

Unique Features

  • 140+ daycare procedures
  • HIV Cover
  • Affordable Premiums

Group Mediclaim Policy (Pros)

  • SI up to 10 L
  • AYUSH Cover
  • Optional Covers Available
  • Discounts Available
  • Mental Illness Treatment

Group Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Group Mediclaim Policy (Other Benefits)

  • Co-Pay Discounts Available
  • PED Cover
  • 30 Day Pre Hospitalization
  • 60-Day Post Hospitalization
  • Modern Treatment

Group Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - N/A
  • SI - 50k to 10 L
  • Waiting Period - 30 Days

Why Choose National Health Insurance Plans?

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:

  • A great company profile
    National Health Insurance is a well-known company in the health insurance market. Being in this for more than a century, the company has built an amazing portfolio and trust among its customers.
  • Network Hospitals
    National Insurance comes with a vast network of hospital facilities where one can opt for 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 0.31.
  • 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 2021-22, the Annual Gross Premium of National Health Insurance is 13,076.83 crores.
  • Claim Support
    National Health Insurance has a claim settlement ratio of 86.28% according to IRDAI reports 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 in PAN India with 1730+ branches. In case any policyholder has any policy or claim-related query, the customer can quickly visit the nearest branch of the company.
National Health Insurance Key Features

Know What is Covered- Inclusions

Illness and Injury Cover

If there is any requirement for hospitalization any illness or injury during the policy year will be covered by the policy.

Daycare Procedure

The health insurance policy by National Insurance will cover daycare medical procedures or treatment along with doctor-recommended procedures or surgeries.

Air Ambulance Facility

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.

Pre-policy Check Up

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.

Maternity Coverage

National Insurance Company understands the value of beautiful moments in your life. Thus they offer maternity cover as well.

What is Not Covered?- Exclusion

Pre-existing diseases

Treatments related to gender change

Cosmetic or plastic surgery cost.

Treatments suffered due to drug abuse

Doctor's home visit charges

Dental treatment costs, unless it occurs due to an accident

OPD treatment

Waiting Period in National Health Insurance

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.

  • Initial Waiting Period

    This waiting period is experienced in the first 30 days from the policy commencements. You cannot file for a claim except for emergency hospitalization due to an accident.
  • Pre-existing disease waiting period

    As per IRDAI, pre-existing diseases are diseases that are diagnosed 48 months before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur.
  • Specific Diseases Waiting Period

    This type of waiting period occurs for a few diseases like cataracts, ENT Disorders, joint replacement surgery, mental illness, etc. The waiting period for these diseases can be up to 24 months depending on the type of plan you choose.
  • Maternity Benefit Waiting Period

    Maternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
  • Mental Illness Waiting Period

    Today, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.

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.

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 at 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.

Benefits of Purchasing at an Early Age

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.

Benefits of Purchasing at an Early Age

Your premiums will be less at an early age.

Benefits of Purchasing at an Early Age

At an early age, a continuous cover with renewals will help you to go out with the waiting period.

Benefits of Purchasing at an Early Age

No medical test is required if you purchase health insurance at an early age.

Benefits of Purchasing at an Early Age

You can avail a no-claim bonus for every claim-free year.

Benefits of Purchasing at an Early Age

You do not need to share your medical bills as the co-payment is not applicable in this case.

How to Buy National Health Insurance Policy?

Buy from the Company

  • Visit the official website of the company. Click on the 'Health Insurance' option under that sub-title.
  • You will then be redirected to the Health Insurance page.
  • Enter all the required details and your health insurance premium amount will be displayed on the screen.
  • Once you pay the premium online, you will get all the policy documents at your registered email address.

Buy from PolicyX

  • Fill in the details in the 'Calculate Premium' form
  • The next page will show all the available 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

How to Renew Health Insurance Policy?

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.

  • Step 1

    When you visit the official website of National Health Insurance, click on the "Renew existing Policy" box.

  • Step 2

    It will redirect you to the main page, where you need to fill in the policy number and captcha.

  • Step 3

    Review the policy and fill in the details.

  • Step 4

    Now choose the mode of payment and complete the payment.

  • Step 5

    Once the payment is made, your policy will be renewed instantly.

How to Claim?

To file a claim you need to follow the below steps. National Health Insurance Company offers the easiest way to file a claim.

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)

Claim Process

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.

Documents required while filing the claim

  • 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 pathological/diagnostic tests reports/radiology reports and payment receipts
  • Original bills from pharmacy/chemists
  • 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

How to Calculate the Premiums?

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.

National Health Insurance Top-Up Plans

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 Super Top-Up Mediclaim Policy

Choose Policyx for all your National Health Insurance queries. We are:

  • 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.
Why Should You Buy the National Health Insurance Plan from Policyx.com?

End Note- Contact Details

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

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)
  • 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.

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.

Other Health Insurance Companies

Compare National Health Insurance mediclaim policies with other top insurers in India.

National Health Insurance Reviews

Read what our customers have to say about national health insurance company and national health mediclaim policy.

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simaranjeet kaur

Jalandhar

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.

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Urmil Thakur

Kochi

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

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Akshay Malhotra

Gurgaon

August 18, 2021

I have bought health insurance from National Health Insurance and I am very impressed by their services and attention towards customers.

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Pooja Singh

Delhi

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 ...

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Bipinchandra Somabhai Patel

Vadodara

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

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Shilpa

Thane

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.

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alok kumar de

Kolkata

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...

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Sabhadiya nareshbhai govindbhai

Surat

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

View All National Health Insurance Reviews

Simran Saxena

Written By: Simran Saxena

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.