National Health Insurance FAQs

National Health Insurance

230 reviews Rate This

Highlights

6,000+ Network Hospitals

17,25,290 Policies Issued

115.55% Incurred Claim Ratio

Lifelong Renewability

85.47% Claim Settlement Ratio

Dedicated Team for Claim Settlement

Coronavirus (COVID-19) Cover

Claim Settlement

  • When should I inform the company in case of planned hospitalisation for reimbursement of the treatment?

    You must inform the company at least 72 hours before the admission in case of planned hospitalisation to get reimbursement for the treatment. 

  • What is the Claim Settlement Ratio of National Insurance?

    As per the IRDAI (Insurance Regulatory and Development Authority of India), the Claim Settlement Ratio of National Insurance is 78.52%. 

  • In how many ways does National Insurance settles claims?

    National Insurance settles claims in two different ways. These are-cashless and reimbursement. 

  • In how many hospitals can I enjoy a cashless treatment with National Insurance?

    National Insurance has over 6,000 network hospitals across India, where the policyholders can seek cashless treatment. 

  • What are the documents required for claim settlement with National Insurance?

    National Insurance requires the following documents for the claim settlement-

    • Duly filled claim form
    • Relevant cash memos and prescriptions
    • Certificate of diagnosis from the attending medical practitioner
    • Payment receipt in original along with the attending medical practitioner’s reports
    • Any other related documents as asked either by the company or the TPA

Critical Illness

  • Does National Insurance offer any critical illness plan to the customers?

    Yes. National Insurance offers critical illness plan to the customers by the name of Critical Illness Mediclaim Policy.

  • What is the age criteria for critical illness health insurance policy offered by National Insurance?

    Anyone who is aged between 20 years and 65 years can seek coverage under the Critical Illness Mediclaim Policy offered by National Insurance. 

  • Is there any add-on benefit offered under the critical illness policy offered by National Insurance?

    Yes. The policyholders have an option to add two more critical illnesses, viz., Permanent Paralysis of Limbs and Total and Permanent Blindness. 

  • For how many critical illnesses, cover is provided under Critical Illness Health Insurance Policy offered by National Insurance?

    National Insurance provides cover for up to 37 listed critical illnesses under its Critical Illness Mediclaim Policy. 

  • What are the sum insured options offered under critical illness health insurance policy offered by National Insurance?

    The sum insured options under the Critical Illness Mediclaim Policy offered by National Insurance starts at Rs. 1 Lakh. The company provides a lump sum amount to the insured on the diagnosis of any specified critical illness. 

Family Floater

  • Does National Insurance Company provide any specific plan for family?

    Yes. National Insurance Company provides plans specially designed for the family. These are-National Parivaar Mediclaim, National Parivaar Mediclaim Plus, National Mediclaim Plus Policy, etc.   

  • 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.

  • Who all can be covered under family floater insurance policies by National Insurance Company?

    You can cover yourself, your spouse, dependent children up to 18 years of age (dependent girl child till marriage, if not employed), parents in law, and parents under the floater health insurance plans by National Insurance Company. 

Feature

  • Does National Insurance provide lifelong renewability feature under its health insurance policies?

    Yes. National Insurance offers lifelong renewability feature under its health insurance policies. 

  • Does National Insurance facilitate the portability feature for the customers?

    Yes. National Insurance facilitates the portability feature for the customers. 

  • What is the duration of the free-look period provided under health insurance policies by National Insurance?

    A free-look period of 15 days is offered to the policyholders under health insurance policies of National Insurance.  

General Information

  • 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.

  • 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 is the Incurred Claim Ratio (ICR) of National Insurance?

    The Incurred Claim Ratio (ICR) of National Insurance is 115.55%. 

  • How many policies has National Insurance sold in the last year?

    According to the annual report of 2017-2018 of IRDAI, National Insurance has sold 18,07,861 policies. 

Help to Buy

  • Does the company bear expenses for pre-policy check-up?

    Yes. The National Insurance Company will reimburse 50% of the expenses incurred for pre-policy check-up in case the proposal gets accepted.  

  • What are the reports required for pre-policy check-up?

    The following reports are required for a pre-policy check-up-

    • HbA1c
    • Serum creatinine
    • Physical examination (signed by a Doctor with minimum MD (Medicine) qualification)
    • Any other investigation required by the company 
    • Urine routine and microscopic examination
    • ECG
    • Lipid profile 
    • Eye checkup 

    The reports should not be older than 30 days prior to the date of proposal. 

  • 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. 

Individual

  • What is the policy tenure for individual health insurance offered by National Insurance?

    Individuals can purchase health insurance offered by National Insurance for a policy tenure of 1 year.

  • 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.

  • What is the age criteria for individuals under health insurance policies offered by National Insurance?

    The minimum and maximum entry age for individuals under health insurance plans offered by National Insurance is 18 years and 65 years. However, children aged between 3 months to 18 years can be added too if at least one parent is also covered under the same policy. 

  • What are the benefits of purchasing an individual health insurance plan from National Insurance?

    Given below are the benefits of purchasing individual health insurance from National Insurance-

    • 30 days pre-hospitalisation cover
    • 60 days post-hospitalisation cover
    • Over 140 daycare procedures
    • AYUSH treatment cover
    • In-patient hospitalisation cover
    • Good health incentives

Kids

  • How many children can be added under health insurance policies offered by National Insurance for kids?

    Up to 2 dependent children can be added under health insurance policies offered by National Insurance for kids. 

  • Can independent children be added under the same policy in which their parents are covered?

    No. Only up to 2 dependent children can be added under the same policy with their parents if either of the parents is covered under the policy. 

  • Does any health insurance plan available with National Insurance provides cover for kids?

    Yes. National Insurance offers coverage for kids under its various floater health insurance policies. 

Maternity

  • Does National Insurance offer maternity cover under any of its health insurance policy?

    Yes. National Insurance offers maternity cover under most of its family floater and individual health insurance policies. 

  • What are the maternity benefits offered by National Insurance under its health insurance policies?

    National Insurance bears the in-patient medical expenses incurred as an in-patient for delivery and termination up to the first two deliveries. 

    • Medical expense for normal or caesarean delivery 
    • Medical expense for lawful medical termination of pregnancy
    • Hospitalisation expenses if necessary, for up to 30 days for pre-natal and up to 60 days for post-natal treatment  
    • Baby from birth cover

  • What are the exclusions under maternity benefits offered by National Insurance?

    Following are the exclusions under maternity health insurance plans offered by National Insurance-

    • Surrogacy
    • Pre and post-hospitalisation expenses other than pre and post-natal treatment
    • More than one delivery or termination in a policy year

Parents

  • What is the age criteria for parents under health insurance policies offered by National Insurance?

    Parents can be covered up to 65 years under individul and family floater health insurance policies offered by National Insurance. However, under senior citizen plans the maximum entry age is up to 80 years.

  • What are the benefits offered to the parents under health insurance plans by National Insurance?

    Parents can enjoy the following benefits under health insurance plans offered by National Insurance-

    • In-patient hospitalisation cover
    • Domiciliary hospitalisation cover
    • Cover for more than 140 daycare treatments
    • 30 days pre-hospitalisation cover
    • 90 days post-hospitalisation cover
    • Cover for AYUSH treatments

  • What are the exclusions under health policies for parents offered by National Insurance?

    Following are the exclusions under health insurance plans offered for parents by National Insurance-

    • Any injury caused by self-harm
    • HIV, AIDS or any sexually transmitted disease
    • Any disease before the waiting period from the date of inception of the policy
    • Cosmetic surgery
    • Psychiatric disorder 

Plan Coverage

  • For how many days is pre and post-hospitalisatin cover provided under health insurance policies by National Insurance?

    30 days pre-hospitalisation cover and 60 days post-hospitalisation cover is provided under health insurance plans by National Insurance. 

  • Who all can be covered under family floater insurance policies by National Insurance Company?

    You can cover yourself, your spouse, dependent children up to 18 years of age (dependent girl child till marriage, if not employed), parents in law, and parents under the floater health insurance plans by National Insurance Company. 

  • Is in-patient hospitalisation covered under health insurance policies offered by National Insurance?

    Yes. Health insurance policies offered by National Insurance do cover in-patient hospitalisation expenses that include the following-

    • Nursing, Room, Boarding charges
    • ICU expenses
    • Doctor’s fees
    • Surgical fees, Operation theatre charges, Anesthetist, Anesthesia, Blood, Oxygen and their administration
    • Dressing, Ordinary splints, plaster casts, etc.
    • Prescribed drugs and medicines 
    • Prosthetic and other devices’ cost
    • Cost of laboratory and diagnostic tests 

Portability

  • Is health insurance portability possible with National Insurance?

    Yes. National Insurance facilitates the benefit of health insurance portability for the customers. 

  • What is the right time to port my health insurance policy to National Insurance?

    You can port your current health insurance policy to a National Insurance health insurance policy at the time of its renewal.  

  • Will I get all the credits gained if I port from my current health insurance policy to a National Insurance policy?

    Yes. All the credits that you have earned for your previous policy will be transferred to your new National Insurance policy in case of portability. 

Premium

  • How is the premium calculated for National Insurance health insurance policies?

    The premium for National Insurance health insurance policies is calculated majorly on the basis of insured person(s) age, pre-existing diseases, current health condition, the sum insured opted, policy term, and gender.

  • Does the company offer any discount on health insurance premium if the policy is purchased by youth?

    Yes. A discount of 10% is allowed on the premium for eligible members if either or both are aged between 18 years to 25 years. 

  • What is the starting premium amount for National Insurance health insurance policies?

    The premiums for National Insurance health insurance policies starts at Rs. 2,469* per annum. *The premium amount is subject to change from time-to-time. 

  • Do I get any discount on premium if I buy health insurance for the family from National Insurance?

    Yes. The company offers a discount of 10% on the premium for eligible family members if the policy is purchased for the family. 

  • How should I pay the premium for National Insurance policy to avail tax benefit?

    You can pay premium for National Insurance policy in any mode other than cash to avail tax benefit.

Senior Citizen

  • Is there any health insurance policy offered by National Insurance that is specially designed for senior citizens?

    Yes. National Insurance offers health insurance policy named Varistha Mediclaim Policy which is specially designed for the senior citizens.

  • What are the sum insured options available in health insurance policies for senior citizens offered by National Insurance?

    Sum insured options available for senior citizens under Varistha Mediclaim Policy are of Rs. 1 Lakh and Rs. 2 Lakh. 

  • Is there any add-on benefit offered under senior citizen health insurance policy by National Insurance?

    Yes. National Insurance offers two add-on benefits under the senior citizen health insurance plan. These are-critical illness cover and pre-existing disease cover.

Tax Benefit

  • How should I pay the premium for National Insurance policy to avail tax benefit?

    You can pay premium for National Insurance policy in any mode other than cash to avail tax benefit.

  • Are the premiums paid for National Insurance policies eligible for tax benefit?

    Yes. The premiums paid for National Insurance policies are eligible for tax benefit.

  • Under which section are insurance policies by National Insurance eligible for tax benefits?

    Health insurance policies offered by National Insurance are eligible for tax benefits under Section 80D of the Income Tax Act, 1961. 

Woman

  • What is the age criteria for women under health insurance plans offered by National Insurance?

    The minimum and maximum entry age for women under health insurance plans offered by National Insurance is 18 years to 65 years respectively. 

  • Are daycare procedures covered under health insurance plans offered by National Insurance for women?

    Yes. Daycare procedures are covered under health insurance plans offered by National Insurance for women. 

  • Are there any good health incentives offered to women under health insurance plans offered by National Insurance?

    Yes. Women can enjoy the following good health incentives under health insurance plans offered by National Insurance-

    • No Claim Discount
    • Health check-up 

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

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.

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 ...

    Read More
    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...

    Read More
    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...

    Read More
    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...

    Read More
    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...

    Read More
    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 ...

    Read More
    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...

    Read More
    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...

    Read More
    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...

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

National Health Insurance Contact Details

Reach us for help anytime

Latest National Health Insurance News