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Updated on Jul 01, 2025 4 min read
National Insurance Mediclaim Policy Renewal
The National Insurance Company of India Limited is the country’s oldest general insurance firm. It was founded on December 5, 1906, in Kolkata, West Bengal, to fulfill the nationalist dream of Swaraj. After the General Insurance Business Nationalization Act was passed in 1972, it was merged with 21 foreign and 11 Indian firms to establish National Insurance Company Limited, one of the four subsidiaries of the General Insurance Corporation of India, which is fully controlled by the Indian government.
Lets discuss the National insurance mediclaim renewal in detail.
Benefits of National Mediclaim Insurance Renewal
Below mentioned are the benefits of National Mediclaim Insurance renewal:
You can renew your national insurance health policy via online and offline medium. The steps to renew your health insurance plan with National Insurance online are as follow:
Online Process
Visit the Website
Visit the National Insurance official website and click on the ’Quick Renewal’ tab.
Enter Relevant Details
Enter the required information such as policy number, date of birth, captcha answer and click on ’Renew Policy’.
Review the Policy Details
Review the policy details and you can change it as per your requirements like modify sum insured amount, opt for an additional rider, etc.
Make Payment
Make the online payment to renew your national health insurance policy from the available payment gateways.
Get Confirmation
You will get the confirmation on your registered e-mail address about the successful renewal of the policy.
Offline Process
If you are unable to renew your insurance online, you can either go to your nearest National Health Insurance branch and renew your policy there, or you can call National Health Insurance customer care to renew your policy. Moreover, our professionals at PolicyX.com can also help with your National Health Insurance Renewal.
For any further queries, you can call on no. 22831705.
What Happens If You Do Not Renew Your National Health Insurance Policy on Time?
Renew your National Health Insurance to avail continious coverage at the time of medical emergencies. You may face the following issues if you forget to renew your National Health Insurance Policy even after the grace period:
You will not receive additional benefits such as a No Claim Bonus, discounted Premium, etc.
You will lose the renewal benefits of your existing health insurance plan, if you forget to renew your policy on time, even after the grace period.
You need to serve the whole waiting period again if you do not renew your health insurance policy on time.
You’ll need to purchase a new health insurance plan and repeat the entire document verification process again.
You need to go through the pre-medical test again.
You cannot raise a claim during the grace period.
Grace Period Offered by National Health Insurance
The insurance companies give you a grace period during which you can pay your pending premium and keep your health insurance coverage. The grace period varies from an insurer to insurer and plan to plan. The majority of health insurance companies offer a grace period of 7 to 30 days. So, have a look at your policy documents and see if your health insurance provider offers a grace period. If your policy is still within the grace period, you can pay the premium and enjoy your health insurance coverage.
How to Avoid Lapse of National Health Insurance Policy
Below mentioned are the tips that can be helpful for you to avoid the revival of a lapsed policy:
Track the important dates of your health insurance policy.
Automatic ECS of payments.
Set reminders for the premium payments.
Always get in touch with your policy relationship manager.
Always check the latest notifications from the insurance company.
Try maintaining sufficient balance in your bank account on the due date.
Things to Remember at the Time of National Health Insurance Renewal
Before your health insurance policy expires, make sure you renew it. When you renew your policy on time, you’ll have continuous coverage at discounted premiums. While renewing your plan, below mentioned are the few things to keep in mind:
Check the policy terms & conditions.
Check your policy coverage for consumables such as PPE kits.
Add additional riders as per your needs.
Always check the coverage benefits at the time of renewal.
Conclusion
Renewing your health insurance before its expiry date or the 30-day grace period is always a good idea. But, if you fail to do so, it will lead to the lapse of your policy, restart of the waiting period that you have already completed, and the loss of no claim bonus benefit. So, Always renew your policy on time and enjoy the continuous coverage.
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:
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)
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)
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)
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)
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)
National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to the policyholders. This plan was la...
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)
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)
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)
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)
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)
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
Easy Renewal of Your Health Policy 
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