National Health Insurance Benefits

National Health Insurance

30 reviews Rate This
Highlights
  • 6,000+ Network Hospitals
    Check in your City
  • 17,25,290 Policies Issued
  • 115.55% Incurred Claim Ratio
  • Lifelong Renewability
  • 78.52% Claim Settlement Ratio
  • Dedicated Team for Claim Settlement

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 78.52%*. *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 User Reviews

  • Completely new experience for me

    I am a new customer of national insurance. I have bought this on recommendation of InsuranceDekho team. I have found the insurer to be good, with grea...

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    G
    Gulshan
    On: Feb 03, 2020 | Views
  • Great CSR

    National Insurance company is an old company that is offering great products till now. I have bought a cover a few days back at an affordable premium ...

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    L
    Lakshit Goel
    On: Jan 29, 2020 | Views
  • Good number of network hospitals at national

    I am a new customer of national insurance. I was recommend it by insurancedekho experts. According to me, it is a trustworthy insurer with more than 6...

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    R
    Rakesh Goyal
    On: Jan 27, 2020 | Views
  • Easy purchase process of this insurer

    I am so thankful to insurancedekho guys for helping me with the purchase of national insurance. This is my first purchase with national and i must say...

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    G
    Gautam Agarwal
    On: Jan 24, 2020 | Views
  • Excellent in experience

    My experience with national insurance has been a satisfactory one. My policy with national worked out in my favor completely. Right from the purchase ...

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    A
    Arvind Shukla
    On: Jan 22, 2020 | Views
  • National insurance is new to me

    I was in search of a good insurer whom i can trust without any issues. Thankfully, i found national insurance with the support of insurancedekho guys....

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    C
    Chintan Pahwa
    On: Jan 17, 2020 | Views
  • Reliable, affordable insurer

    It has been around 4 - 5 months that i have purchased national insurance. Must say that the services offered are great. There are more than 6000 netwo...

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    M
    Mahendra Kapoor
    On: Jan 14, 2020 | Views
  • Always good experience for me

    National insurance is one of the best health insurer according to me. My previous plan was also from national insurance. The reason i always depend on...

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    B
    Bindu
    On: Jan 10, 2020 | Views
  • New to national

    I am a new customer of national insurance. It has been around 20 days that i have bought national insurance. I really liked the insurer because of its...

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    A
    Ashish Kumar
    On: Jan 07, 2020 | Views
  • Find national insurance trustworthy

    It has been 5 months since i have bought national insurance health insurance. I can’t put it into words that how satisfied i am after this proce...

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    A
    Ashutosh Kumar
    On: Jan 02, 2020 | Views
  • Recommended by a friend

    It was when a friend told me about the benefits of buying health insurance with national insurance that i invested in one of the national’s poli...

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    K
    Kuchimanchi Srikant Rao
    On: Dec 26, 2019 | Views
  • Perfect health insurance company

    National insurance company is my second insurance company. Before it, i had made a major investment in some other company. But, my experience was path...

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    N
    Nitin Kapoor
    On: Dec 13, 2019 | Views
  • Great insurer

    I am new to national insurance. However, i am satisfied in my first purchase of plan with national. Good claim settlement ratio, lifelong renewal, vas...

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    G
    Gaurav Gupta
    On: Dec 03, 2019 | Views
  • National insurance is my preference always

    National insurance is one of the best health insurer in my opinion. There is no problem that i encountered while buying policy from national insurer. ...

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    V
    Vinod Verma
    On: Nov 20, 2019 | Views
  • Good experience so far

    National insurance has been a great insurer for me. I have purchased its policy second time and don’t regret my decision at all. Right from clai...

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    R
    Rita Srivastav
    On: Nov 08, 2019 | Views
  • 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 y...

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    D
    Deepak
    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 i...

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    V
    Vaibhav Subhash Kale
    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 ra...

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    S
    Sanjay Kumar Tiwari
    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. T...

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    S
    Shyamal Kumar Maji
    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 les...

    Read More
    S
    Sanjay Gupta
    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 a...

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    B
    Banoth Kanth
    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 ot...

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    N
    Nagendra Mishra
    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
    manju
    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....

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    N
    Navneet Kumar
    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 ...

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    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...

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    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 Insur...

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    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 th...

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    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 floate...

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    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. ...

    Read More
    M
    Manish Vats
    On: Jul 09, 2019 | Views

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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