National Health Insurance

(15 Reviews)
Highlights

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Overview of National Health Insurance

      National health insurance is offered by the National Insurance Company, which is the oldest general insurance company in India. The company was formed in December 1906 but was later merged with other companies to form one of the four subsidiaries of the General Insurance Corporation of India (GIC). However, it was delinked from GIC in August 2002 to operate as an independent insurance company.

      The insurer offers a wide range of health insurance plans with customized plans for students, senior citizens, families, critical diseases and COVID-19. Moreover, the National Insurance Company has earned an incurred claim ratio of 125.53% in the financial year 2021-22.

       

      National Health Insurance Plans 

      National health insurance plans can be used to obtain financial support in case of a medical emergency or planned treatment. Check out the list of health insurance plans offered by the National Insurance Company:

      Plan name
      National Mediclaim Plan
      For individuals
      Min. Age
      3 months
      Max. Age
      65 Years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 10 lakh
      For family
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 10 lakh
      For family
      Min. Age
      18 years
      Max. Age
      65 Years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 10 lakh
      Plan name
      National Senior Citizen Mediclaim Plan
      For senior citizens
      Min. Age
      60 years
      Max. Age
      80 years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 10 lakh
      For hospital Daily cash
      Min. Age
      3 months
      Max. Age
      65 years
      Min. Coverage
      ₹ 3 lakh
      Max. Coverage
      ₹ 20 lakh
      For individuals
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 2 lakh
      Max. Coverage
      ₹ 50 lakh
      Plan name
      National Parivar Mediclaim Plus Plan
      For Family
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 6 lakh
      Max. Coverage
      ₹ 50 lakh
      Plan name
      National Vidyarthi Mediclaim Policy for Students
      For Family
      Min. Age
      3 years
      Max. Age
      25 years
      Min. Coverage
      ₹ 50,000
      Max. Coverage
      ₹ 2 lakh
      For critical illness
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 75 lakh
      Plan name
      National Varishtha Mediclaim for Senior Citizens Plan
      For senior citizens
      Min. Age
      60 years
      Max. Age
      80 years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 2 lakh
      *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
      View more plans
      Let us discuss each insurance plan in detail
      National Young India Mediclaim Policy)

      The National Young Mediclaim policy has been designed to provide medical coverage to individuals and families.The policy comes with a sum insured of Rs 3 lakh, Rs 5 lakh and Rs 10 lakh.

      Features & Benefits:

      • In-patient hospitalization, maternity expenses and mental illnesses are covered
      • Coverage for adventure sports, HIV/AIDS and genetic disorders are available 
      • Treatments for morbid obesity and refractive error are covered
      • AYUSH cover and personal accident cover are also available
      • Restoration of the sum insured (SI) for plans with SI Rs 5 lakh & above
      • 5% cumulative bonus for up to 50% of the sum insured is granted for every claim-free year
      • Waiver of PED diabetes/hypertension waiting period and double sum insured for 11 critical illnesses are available as optional covers
      Read more
      National Mediclaim Policy (Individual)

      The National Mediclaim Policy is an individual health insurance plan designed to provide optimal coverage against medical expenses incurred by the insured. The policy comes with a sum insured ranging from Rs 1 lakh to Rs 10 lakh.

      Features & Benefits:

      • Coverage for hospitalization expenses, chemotherapy and radiotherapy are available
      • Treatment for HIV/AIDS, morbid obesity and refractive error is covered
      • Coverage for mental illness and hazardous sports are available
      • Both ambulance charges and AYUSH treatment are covered
      • Preventive health check-up facilities available after every 4 claim-free years
      • 5% cumulative bonus for up to 50% is available for every claim-free year
      • Reinstatement of the sum insured is available for plans of SI Rs 6 lakh & above
      Read more
      National Mediclaim Plus Policy (Individual)

      The National Mediclaim Plus policy is a comprehensive plan designed to cover individuals against a wide range of diseases and medical conditions. The policy sum insured is available from Rs 2 lakh to Rs 50 lakh.

      Features & Benefits:

      • Costs of hospitalization, ambulance charges and modern treatments are covered
      • Maternity cover and children’s vaccination cover are available
      • Coverage for hazardous sports, morbid obesity and refractive error are available
      • Medical emergency reunion and medical second opinion are also covered
      • Health check-up facilities available after every two years
      • 5% cumulative bonus for up to 50% is granted for every claim-free year
      • OPD cover and critical illness cover are available as options covers
      Read more
      National Parivar Mediclaim Policy (Floater)

      The National Parivar Mediclaim policy has been designed to cover the medical expenses of the entire family on a floater sum insured basis. The policy sum insured ranges from Rs 1 lakh to Rs 10 lakh.

      Features & Benefits:

      • In-patient hospitalization, domiciliary hospitalization and AYUSH treatments are covered
      • Both maternity cover and infertility cover are available
      • Costs of anti-rabies vaccination and medical second opinion are covered
      • Coverage for morbid obesity, hazardous sports and refractive error treatment is available
      • Health check-up facilities are available once in every 4 years
      • OPD cover, critical illness cover and PED diabetes/hypertension are available as optional covers
      Read more
      National Parivar Mediclaim Plus Policy (Floater)

      The National Parivar Mediclaim Plus policy is a comprehensive health plan that covers the entire family on a floater sum insured basis. The plan offers a sum insured ranging from Rs 6 lakh to Rs 50 lakh.

      Features & Benefits:

      • Coverage for hospitalization and medical emergency reunion are available
      • Maternity expenses, newborn baby expenses and infertility treatments are covered
      • Medical second opinion and sum insured reinstatement in case of road traffic accidents are available
      • Treatment of adventure sports injuries, refractive error and morbid obesity are covered
      • Costs of health check-ups are covered after every 2 years
      • Critical illness cover, OPD cover and PED diabetes/hypertension are available as optional covers
      Read more
      National Senior Citizen Mediclaim Policy

      The National Senior Citizen Mediclaim policy is a customized plan designed to cover the medical needs of senior citizens of age 60 years and above. The sum insured option ranges from Rs 1 lakh to Rs 10 lakh.

      Features & Benefits:

      • Hospitalization expenses, day care procedures and domiciliary hospitalization are covered
      • Coverage for morbid obesity, refractive error and adventure sports injuries are available
      • Ambulances charges and funeral expenses are also covered
      • Reinstatement of the sum insured available in case of a road traffic accident is available
      • 5% cumulative bonus is granted for every claim-free year
      • Preventive health check-up benefits are available 
      • Option to cover PED diabetes/hypertension, OPD treatments, personal accidents and critical illnesses
      Read more
      National Super Top Up Mediclaim Policy

      The National Super Top Up Mediclaim policy has been designed to provide additional coverage to the insured in case the base policy gets exhausted. While the sum insured amount ranges from Rs 3 lakh to Rs 20 lakh, the deductible amount ranges from Rs 2 lakh to Rs 10 lakh.

      Features & Benefits:

      • Costs of hospitalization, day care procedures and modern treatments are covered
      • Treatments for AIDS, refractive errors and adventure sports injuries are covered
      • Coverage for maternity expenses and morbid obesity are available
      • Post-hospitalization doctor/nurse/attendant’s visit at home is covered
      • 5% cumulative bonus is granted for every claim-free year
      • Up to Rs 2000 daily hospital cash is paid in case of more than 3 days of hospitalization
      Read more
      Vidyarthi Mediclaim Policy for Students

      The Vidyarthi Mediclaim policy for students has been designed to provide health insurance and personal accident coverage to students. The policy comes with a sum insured amount ranging from Rs 50,000 to Rs 2 lakh.

      Features & Benefits:

      • In-patient hospitalization, pre-hospitalization & post-hospitalization expenses are covered
      • Coverage for HIV/AIDS and refractive error are available 
      • Treatment for mental illnesses and morbid obesity is covered
      • Personal accident cover and repatriation expenses of students and guardians are covered
      • 5% cumulative bonus for up to 50% is available on every claim-free year
      • No pre-policy medical check-up is required before buying this policy
      Read more
      National Critical Illness Policy

      The National Critical Illness policy is designed to provide financial coverage for up to 37 critical illnesses. The sum insured ranges from Rs 1 lakh to Rs 75 lakh.

      Features & Benefits:

      • Lump sum payment is made on the first diagnosis of the critical disease
      • 5% early entry discount is given if the policyholder is less than 42 years old 
      • No pre-policy medical check-up is required for up 45 years
      • Survival period varies from 30 days to 90 days
      Read more
      View more plans

      Why Should You Buy National Health Insurance Plans?

      Check out some of the reasons why you should buy a National Health Insurance plan:

      • Preventive Health Check-ups – Most National health insurance plans offer preventive health check-up facilities to the insured after a fixed block of claim-free years.
      • No Pre-Policy Medical Check-up – Some of these health plans do not require applicants up to 45 years of age to undergo a medical check-up before buying the policy.
      • Coverage for Hazardous Sports – Unlike other plans, most health plans by the National Insurance Company offer coverage for hazardous or adventure sports.
      • Tax Benefits – The premium paid for buying a National health insurance policy is eligible for tax deductions under Section 80D, Income Tax Act.
      • 24x7 Live Chat Support – The insurance company provides 24x7 chat support to the customers so that their queries are answered anytime.

      How to File a Claim with a National Health Insurance Plan?

      Check out the steps to file a cashless claim under the National health insurance policy:

      1

      Intimate National Insurance Company

      Inform the insurance company about your planned hospitalization at least 72 hours in advance. However, the insurer must be informed about emergency hospitalization within 24 hours.

      2

      Request for Pre-Authorization

      The hospital will send a pre-authorization request to the TPA of the insurance company for cashless treatment.

      3

      Get Approval for Cashless Treatment

      The TPA will verify the documents sent by the hospital and accordingly grant approval for the cashless treatment.

      4

      Claim Settlement

      Once you have received the treatment, the insurance company will settle the claim with the network hospital directly.

      5

      Submit the Documents

      Submit all the documents for post-hospitalization expenses in original to the TPA within 15 days.

      For reimbursement claims, pay the entire hospital bill at the time of getting discharged from the hospital and submit the required documents to the TPA. They will check your documents and accordingly, the insurer will pay the claim amount to you.

      Documents Required for National Health Insurance Claim

      Check out the list of documents required to raise a reimbursement claim under National health insurance:

      • Duly filled claim form
      • Hospital bills and payment receipts
      • Medical history of the patient
      • Discharge certificate/summary from the hospital
      • Cash memo from the hospital/chemist with prescriptions
      • Investigation test reports with payment receipts and prescriptions
      • Doctor’s certificate specifying the diagnosis date 
      • Surgeon’s certificate specifying the nature of the operation and payment receipts
      • Any other documents requested by the insurance company

      National Health Insurance Network Hospitals

      The National Insurance Company offers cashless treatment facilities at any of the empanelled hospitals in its network. Given below is a city-wise list of National health insurance network hospitals:

      How to Buy National Health Insurance Plans?

      Take a look at the steps to buy a National health insurance policy online:

      Step 1: Go to the official website of Policybazaar Insurance Broker Private Limited

      Step 2: Click on the ‘health insurance’ icon on the page

      Step 3: Select the people to be insured and fill in their age

      Step 4: Enter the city of residence along with your contact details

      Step 5: Choose if you have a medical history or pre-existing disease

      Step 6: Select the National health insurance plan that you wish to buy

      Step 7: Pay the premium after reviewing all the details

      Step 8: The insurance company will issue you the policy on payment completion.

      How to Renew National Health Insurance Plans?

      Take a look at the steps to renew a National health insurance policy online:

      Step 1: Visit Policybazaar.com and click on ‘Renew Your Policy’ at the top of the page

      Step 2: Select ‘Health Renewal’ from the dropdown menu

      Step 3: Enter your mobile number and OTP 

      Step 4: New customers can click on the health insurance icon on the homepage and provide the requested details, such as age, city, phone number, etc.

      Step 5: Choose the National health insurance policy to be renewed

      Step 6: Pay the renewal premium amount

      Step 7: The policy renewal will be done after successful payment.

      How to Calculate National Health Insurance Premium?

      People can calculate the premium of a National health insurance policy with the help of a premium calculator by entering details, such as the city, sum insured, policy year, etc. Check out the National health insurance premium calculator given below to calculate the premium of a health policy online.

      Contact Details of National Health Insurance

      Here are the contact details of the National Insurance Company:

      Categories Contact Details
      Toll-free No 1800-345-0330
      Phone No 033 6811 0000
      033 2537 0070
      040 2770 0011
      Email Id customer.support@nic.co.in
      customer.portal@nic.co.in
      customer.relations@nic.co.in (for grievances)

      FAQs

      • Q1. Is National Health Insurance good?

        Ans: National health insurance is considered good as it offers a wide range of health plans to cater to the needs of individuals, families, students as well as senior citizens. It also comes with specific plans for COVID-19 and critical illnesses. Moreover, the insurance company has 24x7 live chat support that dedicatedly helps the customers at any time of the day.

      • Q2. How to claim National Health Insurance?

        Ans: You can claim a National health insurance policy by filing a cashless or reimbursement claim request. While cashless claims can only be raised at a network hospital of the National Insurance Company, reimbursement claims can be raised at other hospitals. All you need to do is inform the insurer and submit the required documents to get your claims settled.
      • Q3. How can I find a nearby network hospital of National health insurance?

        Ans: The National health insurance network hospital list can be found with your policy document. Alternatively, you can also check the list of network hospitals in different cities on Policybazaar.com

      • Q4. How can I check my National insurance details?

        Ans: You can check the details of your National insurance policy by contacting customer care of the insurance company. If you bought the policy from Policybazaar.com, you can check the details online by logging in to your account.

      • Q5. How to download a National health insurance policy?

        Ans: You can download your National health insurance policy from the website of the insurance company. You can also download it from Policybazaar.com if you had purchased your health policy from the website.
      View more FAQ’s
      Policybazaar exclusive benefits
      • 30 minutes claim support*
      • 50,000 claims approved in last 15 months*
      • Schedule home visit with our advisors
      • Get a plan based on your medical needs
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      National Health Insurance Reviews & Ratings

      4.3 / 5 (Based on 15 Reviews)
      (Showing Newest 10 reviews)
      Haridas
      East Godavari, March 04, 2021
      High Sum Insured
      I wanted to buy a health insurance policy with a high sum insured and came to Policybazaar to find a good policy. The website offered many health insurance plans with high sum insured. I compared all the plans and decided to buy the National Mediclaim Plus policy. The premium was in my budget and paid it online easily. Recommended to all.
      Abhinav
      N.paravur, March 04, 2021
      Best Claim Team
      I have a health insurance policy from National Health Insurance at Policybazaar. A few days back, I was admitted in a hospital due to an accident. I had misplaced my policy document and was having trouble raising a claim. I called the customer care of Policybazaar, told them everything and they helped me in raising a claim after verifying my identity. I am really thankful to the claims team.
      Shravan
      Udagamandalam, February 08, 2021
      Best affordable family plan
      Thank you Policybazaar for helping me buy National parivar mediclaim plus health plan. It covers my whole family under single premium. You guys are so so helpful.
      Ayansh
      East Godavari, January 29, 2021
      List of Top Health Insurance Providers
      While searching for a health insurance plan for my family, I came across the website of policybazaar.com. I was very glad to find that they have listed top health insurance providers. From there I selected the National Parivar Mediclaim Plus policy for my family.
      Ravish
      Odagoan, January 29, 2021
      Simple Renewal Process
      I am completely impressed by the seamless health insurance policy renewal process at policybazaar.com. I have the Parivar Mediclaim policy of National Health Insurance and for its renewal, I started by providing the details of my current plan at policybazaar.com policy renewal page. It easily regenerated my quote and I selected my policy and very easily made the payments.
      Jasoda
      Udagamandalam, January 27, 2021
      The Claim Process Was Simple
      The claim process was not that difficult as I was very worried at the time of filing, but policybazaar made this easy. At any step when I was feeling confused the chat support of policybazaar.com was there.
      Kashika
      Udaipur, January 27, 2021
      Thanks, Policybazaar.com
      I was a bit confused about the exclusions of my National Senior Citizen Mediclaim Policy as I did not have time to read the policy documents. So, I called policybazaar.com for help. The customer care representative was very helpful and he told me the exclusions of my policy.
      Juhi
      Odagoan, January 27, 2021
      Worth Health Insurance Plan
      I purchased the National Critical Illness policy and it was worth a purchase. Even though the premium of this health insurance plan is quite high but the coverage is good.
      Latika
      N.paravur, January 27, 2021
      No Age Bar While Renewing
      There is no age limit when you renew the National Health Insurance policy. However, the renewal through policybazaar.com is not very smooth but was not difficult.
      Gaurang
      Yavatmal, January 22, 2021
      Nice for Family
      I purchased this plan for my family and got coverage for my parents, children, spouse, and myself. The coverage provided under this plan is good for the family but the coverage is sufficient, but it does not provide coverage for critical illness.
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