Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
  Hurry Up!
Save tax in 80D by purchasing a Health Insurance Today. View Plan
Home Health InsuranceNationalBenefits

National Health Insurance Benefits

255 reviews Rate This
Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold17,25,290
RenewabilityLifelong

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

Benefits of National Health Insurance

Under its health insurance plans, National Health Insurance (NIC) provides the insured numerous benefits in case of a medical emergency. 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 a 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 provide the policyholders 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. The main benefits of paying for National Insurance health insurance policies are listed below-

Read More

  • 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 health insurance policies provide the facility of cashless treatment. The policyholders can even make a reimbursement claim where cashless service is unavailable.

  • Claim Settlement 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 83.78% for the FY 2019-20. Note that the 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-hospitalisation 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 for FY 2018-2019 is 107.64%. Note that the ICR 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.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Metro
Non-Metro
Disclaimer : Actual Coverage might vary basis your location, age and number of members

National Health Insurance Plan List

    Name of PlanSum Insured
    National Mediclaim Plus Min: 3 Months; Max: 75 Years2 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years2 Lakh Get Quotes Now
    National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years6 Lakh Get Quotes Now
    National Parivar MediclaimMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
    National MediclaimMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now
    Save Tax upto ₹75000*
    Under Section 80D

    *Tax benefits are subject to changes in Income Tax Act.

    National Health Insurance Top Up List

      Name of PlanSum Insured
      National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years Get Quotes Now

      Choose National Insurance Plan for

      National Health Insurance User Reviews

      4.6
      Rating based on
      255 User reviews
      Write your review
      What users are saying
      • All
      • Price
      • Helpful
      • Network Hospitals
      • Claim
      • Renew
      • Premium
      • Top up
      • Critical Illness

      • Had access to accurate informa...

          The InsuranceDekho website offers easy access to every medical insurance policy available in the marke...

        Read More
        D
        National
        By Devika Kaul
        On: Mar 23, 2023

      • Variety of options

          On the InsuranceDekho website, one has a lot of options to choose from. They have a variety of plans f...

        Read More
        S
        National
        By Sam Patel
        On: Mar 20, 2023

      • Purchased at ease

          The buying process from the InsuranceDekho website is quick and easy. I bought National Health Insuran...

        Read More
        N
        National
        By Neena Sethi
        On: Mar 15, 2023

      • Secured payment mode

        I wanted a platform that could give me the assurity, especially for the payment part. I came across the Insura...

        Read More
        B
        National
        By Beema Rawal
        On: Feb 21, 2023

      • Affordable Plans

        I purchased a policy of National Insurance as it is affordable. I bought it from the InsuranceDekho website as...

        Read More
        V
        National
        By Vikramdeep Bohra
        On: Jan 17, 2023
      View All National Health Insurance Reviews
      Must BuyMust Buy

      Why to Buy Health Insurance Policy Online from InsuranceDekho

      • Tax benefit upto 75,000*
      • Claim support everyday 10AM-7PM
      • 45 Lacs+ happy customers

      Explore National Health Insurance

      Health Insurance News

      View All News

      Buying Health Insurance Glossary

      National Health Insurance Contact Details

      Reach us for help anytime

      Claim Process at National Health Insurance

      • Network Hospital
      • Non-Network Hospital
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
      • 3

        Claim Processing

        Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
      • 4

        Claim Settlement

        Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
      • 3

        Claim Processing

        Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
      • 4

        Claim Settlement

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

      Insurance Products by National General Insurance

      View all

      FAQ About National Health Insurance

      • 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. To opt for a smooth and hassle-free process, you can also purchase it at InsuranceDekho.  

      • 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?

        National Insurance Company offers health insurance plans for individuals, families, senior citizens, parents, children, etc. People aged up to 65 years can be covered under these policies.

      View All

      Latest Health Insurance Articles

      View All Health Insurance Articles

      Hello! I’m Niharika

      Hope you are keeping safe at home. I’m here to help you with your health insurance purchase.

      Before we start, Tell me a little bit about yourself.

      Partner Health Insurance Companies

      View All Health Insurance Companies

      Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

      You May Also Be Interested in

        View All Health Insurance Benefits

        Discontinued Plan List

          Insurance Calculators

            Find the Right Health Insurance Plan for You

            With our assistance, you will find the Health Insurance plan that meets your needs.