National Health Insurance Benefits

National Health Insurance

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Highlights

Network Hospitals6,000+
Policies Sold17,25,290
Incurred Claim Ratio115.55%
Lifelong RenewabilityLifelong
Claim Settlement Ratio85.47%
COVID-19 CoverYes
Claim SettlementDedicated Team

Benefits of National Health Insurance

In the era of changing lifestyles where people are becoming more prone to illnesses and diseases, National Health Insurance is all set to provide them numerous benefits at the time of medical emergency. The fully government renowned and oldest general insurer NIC has its wings spread across various insurance domains such as-Motor Insurance, Health Insurance, Personal Insurance, Rural Insurance, Industrial Risk Insurance, and Commercial Risk Insurance. The company offers comprehensive health insurance policies with numerous coverage features. People can get themselves covered under any of the individual plans, family floater plans, senior citizen plans or group plans as provided by NIC.

The National Insurance Company offers many health insurance products at an affordable price to its potential customers. They can purchase policies on an individual or the family floater basis. Understanding the basic need of the customers to invest in the right health insurance plan, NIC provides a myriad of beneficial coverage features. The company has a dedicated team for claim settlement and it lets you purchase any product online that it offers.   

Health insurance plans by National Insurance Company provides you several benefits including lifetime renewability, wide coverage, less premium, tax benefits, online renewal of policies, optional covers, a wide range of sum insured options, and so on. Let us look at the main benefits of paying for National Insurance health insurance policies -

  • Additional Benefit of Free Health Check up

    National Insurance Companies through its health insurance plans provide the policyholders good health incentive check-up after every block of two claim free years up to a certain limit.
  • Additional Protection over Employer Coverage

    Nowadays, most employers offer health insurance to their employees. But is that enough? Certainly not in many cases. This is because these plans do not provide total cover in certain aspects such as-clause for limit on room rent, clause for co-payment, etc. Therefore, these plans act as a secondary cover. To fulfil the remaining requirements, you need an additional plan from National Insurance Company that provides you a comprehensive cover without any connection with your company.
  • Cashless Benefit

    At the time of medical emergency, National Insurance Company’s health insurance policies provide the facility of cashless claims while being treated at any network hospital. Policyholders can even claim reimbursement where cashless service is unavailable.
  • Claim Settement Ratio

    Claim Settlement Ratio (CSR) is referred as the ratio of the claims settled by an insurance company as against the total number of claims presented in a financial year. National Insurance Company, as per the IRDAI (Insurance Regulatory and Development Authority), has a Claim Settlement Ratio of 85.47%*. *CSR changes from time to time.
  • Coverage against Medical Expenses

    Health insurance plans by National Insurance Company offer wide coverage to its policyholders which may include individual or families. These policies cover the policyholders with in-patient treatment, day care treatments, pre and post hospitalisation, ambulance cover and so on.
  • Incurred Claim Ratio

    The Incurred Claim ratio or ICR measures overall value of every claim that an insurance company has paid as against the total sum of premium collected. The Incurred Claim Ratio of the National Insurance Company as per the IRDAI is 115.55%*. *The ratio changes from time to time.
  • Tax Benefit

    The policyholders can enjoy tax benefits under Section 80D of the Income Tax Act 1961 if they purchase any health insurance policy from National Insurance Company.

National Health 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
Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now

National Health Insurance User Reviews

What users are saying
  • Saved me from a lot of expense...

    Being a senior citizen it is becoming hard for me to bear medical expenses. This policy by national insurance ...

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    K
    Varistha Mediclaim Policy
    By Kunti Gupta
    On: Feb 24, 2020
  • Great national plan

    I am a new customer of this policy. It has provided me expenses like basic coverage for pre & post hospita...

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    S
    National Parivar Mediclaim
    By Saurabh Bishnoi
    On: Feb 24, 2020
  • Family is secured now

    All thanks to insurancedekho team i am covered for a lot of expenses under this plan. I was looking for a mate...

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    A
    National Parivar Mediclaim Plus Policy
    By Ankit Tiwari
    On: Feb 24, 2020
  • Good job sir!

    I brought my health insurance plan from Gyan in Insurancedekho and he helped me understand all the pros and co...

    Read More
    A
    Individual Health Insurance Plan
    By Ashish Kwatra
    On: Feb 24, 2020
  • Customer care executives clear...

    Individual plan from universal sompo is a good one if you are not married. I purchased it for myself a year ba...

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    H
    Individual Health Insurance Plan
    By Hirendran Duraiswami
    On: Feb 24, 2020
  • All members covered under sing...

    I am a new customer of national insurance. Under this plan i have my full family including parents in law cove...

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    J
    Parivar Mediclaim Policy for Family
    By Jitendra Sahu
    On: Feb 21, 2020
  • Relaxed with this policy

    I am a new member of national insurance. I bought this policy because it comes with many benefits. Other than ...

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    V
    Critical Illness Insurance Policy
    By Vikram
    On: Feb 20, 2020
  • Great option by national

    Parivar Mediclaim Policy for Family is one policy that i really found to be perfect for a family. It has cover...

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    R
    Parivar Mediclaim Policy for Family
    By Ravi Kumar
    On: Feb 14, 2020
  • Nice one for family

    I am a supporter of this policy. Under this affordable plan, i am myself, my wife, children, parents and paren...

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    M
    National Parivar Mediclaim Plus Policy
    By Mehul Kumar
    On: Feb 13, 2020
  • Good for later stage of life

    I was recommended this special plan for senior citizens by insurancedekho team. I am thankful to people over t...

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    S
    Varistha Mediclaim Policy
    By Sri Hari Das
    On: Feb 12, 2020

National Health Insurance Contact Details

Reach us for help anytime

National Health 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.

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