National Health Insurance Benefits

Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 83.78% |
COVID-19 Cover | Yes |
Network Hospitals | 6,000+ |
Policies Sold | 17,25,290 |
Renewability | Lifelong |
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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-
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.
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National Health Insurance Plan List
Name of Plan | Sum Insured | |
National Mediclaim Plus Min: 3 Months; Max: 75 Years | 2 Lakh | Get Quotes Now |
Corona Kavach PolicyMin: 1 Day; Max: 65 Years | 50,000 - 5 lakh | Get Quotes Now |
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years | 1 Lakh - 5 Lakh | Get Quotes Now |
Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years | 2 Lakh | Get Quotes Now |
National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years | 6 Lakh | Get Quotes Now |
National Parivar MediclaimMin: 3 Months; Max: 65 Years | 1 Lakh | Get Quotes Now |
National MediclaimMin: 3 Months; Max: 65 Years | 50 Thousand | Get Quotes Now |

*Tax benefits are subject to changes in Income Tax Act.
National Health Insurance Top Up List
Name of Plan | Sum Insured | |
National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years | Get Quotes Now |
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Why to Buy Health Insurance Policy Online from InsuranceDekho
- Tax benefit upto 75,000*
- Claim support everyday 10AM-7PM
- 45 Lacs+ happy customers
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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.