National Insurance

15 reviews Rate This
Highlights
  • 6,000+ Network Hospitals
    Check in your City
  • 18,07,861 Policies Issued
  • 115.55% Incurred Claim Ratio
  • Lifelong Renewability
  • 78.52% Claim Settlement Ratio
  • Dedicated Team for Claim Settlement

About National

National Insurance Company (NIC) is India’s oldest renowned general insurer that deals not only in Health Insurance, but also in Motor Insurance, Personal Insurance, Industrial Risk Insurance, Commercial Risk Insurance and Rural Insurance as well. Incorporated in Kolkata in the year 1906, NIC works towards fulfilling the nationalist aspiration for Swaraj. After nationalisation, it was merged with 21 foreign and 11 Indian companies, thereby forming the National Insurance Company Ltd. NIC is one of the 4 subsidiaries of the government-owned General Insurance Corporation of India. 

The National Insurance Company is the only public sector general insurance company that is headquartered in Kolkata. It has added many feathers to its cap by being the first one in many areas-the first one to introduce product customisation, both corporate and rural; first Indian insurance company to penetrate into Strategic Alliances with a few of India’s largest automobile manufacturers. NIC also explored Bancassurance in India by building tie-ups with largest banks in India. 

Key Highlights

  • Over 15,000 employees
  • Over 1998 offices across India 
  • 373 Business Center pan India 
  • Wide range of sum insured options
  • Dedicated team for claim settlement
  • Access to over 6,000+ network hospitals
  • Tax benefits under Section 80D of the Income Tax Act 1961 

NIC has a workforce of around 15,000 skilled personnel and around 2,000 offices across the country including operation in Nepal. The company stands tall today as India’s second-largest non-life insurers, according to its gross direct written premiums. In motor business, which is the market’s largest segment, National Insurance Company had the largest share in the market among India’s insurers in the financial year 2015 in terms of GDWP. 

The company enjoys AM Best Financial Strength rating of B++ (Good) and issuer credit rating of "BBB+". These ratings not only prove NIC’s strong risk-adjusted capitalisation, but consistent investment performance and strong presence in India's insurance market as well.

National Insurance Plan List

Name of PlanSum Insured
National Mediclaim Plus Min: 3 Months; Max: 75 Years2 Lakh Get Quotes Now
National MediclaimMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now
Critical Illness Insurance PolicyMin: 18 Years; Max: 65 Years1 Lakh Get Quotes Now
Varistha Mediclaim PolicyMin: 60 Years; Max: 80 Years1 Lakh Get Quotes Now
National Parivar MediclaimMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years6 Lakh Get Quotes Now
Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years2 Lakh Get Quotes Now

Claim Process at National Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of National Insurance at 1800-345-0330.
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of National Insurance 1800-345-0330.

National Insurance User Reviews

  • The best ever insurer experience

    I am quite impressed with national insurance. The insurer provides you superb coverage and multiple other benefits. It provides complete security to your family at low premium price. There are more than 6000 network hospitals. Also, the CSR is great. Overall, it is a profit deal.

     

    D
    On: Oct 22, 2019 | Views
  • Good insurance company

    I am thankful to national insurance for great services. I have found this insurer to be fulfilling of their promises. My current plan is of national insurance and i have got exact cover what i wanted at less premium. I recommend this insurer to you.

    V
    On: Oct 18, 2019 | Views
  • Superb health insurance and services

    One of my friends suggested me this insurer. I must say that i am happy after buying national insurance. My full family is covered at an affordable rate of premium. Finally there is someone to take care of my medical bills. I am satisfied.

     

     

     

     

    S
    On: Oct 18, 2019 | Views
  • National insurance is good option

    I am thanking to InsuranceDekho people for suggesting this company. I recently purchased national insurance plan and feel happy to make this choice. The CSR is good, the premium is low, i am getting wide cover. Everything is what i wanted. Great job national insurance and InsuranceDekho.

    S
    On: Oct 09, 2019 | Views
  • Satisfied with national insurance

    My past health insurance experience was extremely bad. I went for national insurance on advise of InsuranceDekho. Now i am getting good cover at a less premium. The network hospitals are vast, services are great and claim settlement ratio is also good. I am satisfied it chose this insurer.

    S
    On: Oct 09, 2019 | Views
  • New experience with National Insurance

    It has been a year since i purchased National Insurance’s health insurance policy. Thanks InsuranceDekho for helping me choose this company. I am happy with the cover i got and the premium i have to pay. The services are good and there is no scope for inconvenience. I suggest the insurer to others.

    B
    On: Sep 27, 2019 | Views
  • Good health insurance option

    I have been with National health insurance for the past 2 years. Until now, i never felt any kind of problem in the coverage, claim process, or any other. The insurer offers comprehensive coverage plans that help you with medical treatment and all the expenses. I recommend national insurance to everyone.

    N
    On: Sep 27, 2019 | Views
  • Simple

    The site is very simple to use and user friendly. It has all the latest information available in a simple language. 

    m
    On: Sep 06, 2019 | Views
  • Polite

    I queried a lot, but the executives were very helpful and polite in solving all my queries and letting me understanding each and everything in detail.

    N
    On: Aug 14, 2019 | Views
  • Nominal premium

    I recently purchased a health insurance plan for myself. I am a college-going student and was finding a premium of other health insurance companies a bit more. But the customer care executives at Insurancedekho helped me find the right plan for me and I landed up with National Insurance Company’s plan. I am happy with the services.  

    S
    On: Jul 12, 2019 | Views
  • Good custmer care service

    I have taken National Insurance Company’s health insurance policy and thankfully have no claim experience with the company yet. But the customer care service is really good at InsuranceDekho who explained to me even the slightest detail of the policy very patiently.

    J
    On: Jul 12, 2019 | Views
  • satisfactory services from InsuranceDekho

     I recently made a claim with National Insurance Company’s health insurance plan by seeking help from the customer care executives at InsuranceDekho. They received my calls even after office hours when i was in doubt regarding the claim process. I thank them for timely response. 

    A
    On: Jul 12, 2019 | Views
  • Utmost Satisfaction

    I have been using National Insurance Company’s health insurance policy from the last 10 years. Customer satisfaction is utmost I must say and they are really supportive. I give them full stars based on trust.

    N
    On: Jul 11, 2019 | Views
  • Good Services

    The reason why I decided to buy a health insurance plan for my family was its satisfactory services, as told by my friend to me. My family floater policy has a nominal premium and also provides a good number of coverage features. I have not made a claim yet, but relying on the InsuranceDekho’s after-sales service in case of emergency.

    S
    On: Jul 10, 2019 | Views
  • First experience..satisfied.

    This is my first experience of buying a health insurance policy of National Insurance Company with InsuranceDekho and the portal is very easy to use. They have kind and knowledgeable customer care executives who not only guide you through the entire process of purchasing the right policy, according to your needs but also offer you after-sales services. Excellent services experienced till now.

    M
    On: Jul 09, 2019 | Views

Latest National Insurance News

National Insurance Contact Details

Reach us for help anytime

National Insurance FAQs

  • What is the toll-free customer care number of National Insurance Company?

    The toll-free number of National Insurance Company Ltd. is 1800-3450-330. 

  • What is the address of National Insurance Company?

    The address of National Insurance Company Ltd. is
    3, Middleton Street, Prafulla Chandra Sen Sarani, 
    Kolkata, West Bengal, 700071.

  • How to buy and apply for health insurance plans by National Insurance Company?

    You can visit the official website of National Insurance Company to purchase a policy, i.e. https://nationalinsurance.nic.co.in. You can also purchase it from the online broker’s website like insurancedekho.com. 

  • Does National Insurance Company offer any discount to its policyholders?

    Yes. The National Insurance Company offers discounts to the policyholders on some health insurance plans. 

  • What kind of policies are available with National Insurance Company online?

    Individual, as well as family health insurance policies, are available online with National Insurance Company. You can purchase health insurance policies from the company up to 65 years of age for sum insured of up to Rs. 50 Lakh.

Latest Health Articles

Popular Health Insurance Companies

  • ReligareReligare
  • Max BupaMax Bupa
  • Star HealthStar Health
  • ManipalCignaManipalCigna
  • HDFC ERGOHDFC ERGO
  • HDFC ERGO HealthHDFC ERGO Health
  • Royal SundaramRoyal Sundaram
  • Universal SompoUniversal Sompo
  • Aditya BirlaAditya Birla
  • EdelweissEdelweiss
  • New IndiaNew India
  • Reliance GeneralReliance General
  • Tata AIGTata AIG
  • Bajaj AllianzBajaj Allianz
  • Liberty GeneralLiberty General
  • Kotak GeneralKotak General
  • United IndiaUnited India
  • Iffco TokioIffco Tokio
  • ICICI LombardICICI Lombard
  • Future GeneraliFuture Generali
  • Bharti AXABharti AXA
  • SBI GeneralSBI General
  • Chola MSChola MS
  • OrientalOriental
  • Raheja QBERaheja QBE
  • Magma HDIMagma HDI
  • GoDigitGoDigit
  • Reliance HealthReliance Health
View All Up Arrow