National Insurance

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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: 65 Years2 Lakh Get Quotes Now
National MediclaimMin: 3 Months; Max: 65 Years50 Thousand 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

  • 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
    Surekha Pankaj Pawar
    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
    Jitendar
    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 at night when i was in doubt regarding the claim process. I thank them for timely response. 

    A
    Abhijeet Singh
    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
    Nitin Gupta
    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
    Sachin Gupta
    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
    Manish Vats
    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. 

  • What is the Claim Settlement Ratio of the National Insurance Company?

    The Claim Settlement Ratio of National Insurance Company is 78.52%. 

  • 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. 

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