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National Health Insurance Benefits

276 reviews Rate This
National Health Insurance
Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
Network Hospitals6,000+
RenewabilityLifelong
Starting Premium for 5 lac SIRs.586/month
Starting Premium for Rs. 5 lakhs SIRs. 586/month

Health Insurance Calculator

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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-

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  • 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.
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Health Insurance Coverage Calculator

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Disclaimer : Actual Coverage might vary basis your location, age and number of members
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 Check Premium

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    National Health Insurance User Reviews

    4.6
    Rating based on
    276 User reviews
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    What users are saying
    • All
    • Price
    • Helpful
    • Network Hospitals
    • Claim
    • Renew
    • Premium
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    • Critical Illness
    • Flexible Payment Options

      InsuranceDekho offered me flexible payment options for my National Health Insurance Policy, including monthly,...

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      H
      National
      By Huma Khan
      On: Sep 13, 2023
    • Preventive Health Checkup Bene...

      I recently took the National Health Insurance Policy from InsuranceDekho. I must say that this health insuranc...

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      U
      National
      By Upasana Kocchar
      On: Jul 21, 2023
    • Peace of Mind for the Future

      InsuranceDekho's health insurance policy has given me tremendous peace of mind for the future. Knowing that my...

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      S
      National
      By Sumit Verma
      On: Jul 18, 2023
    • Easy Payment Process

      Great experience with InsuranceDekho. I bought National Health Insurance Policy from the company’s onlin...

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      S
      National
      By Satish Gupta
      On: Jul 14, 2023
    • Easy Renewal Of Insurance

      I would like to thank InsuranceDekho for helping me in renewing my National Health Insurance Policy before the...

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      S
      National
      By Sangeeta Taragi
      On: Jul 10, 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
    • 50 Lacs+ happy customers

    Explore National Health Insurance

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    National Health Insurance Contact Details

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    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

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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.

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