National Health Insurance - Compare plans, reviews & renew online

Launched in 1906, National Insurance is the oldest general insurance company in India. The company has since established a strong presence in the Indian market catering to a wide range of customers. National Insurance offers insurance products under motor, health, personal, rural, industrial, and commercial.

National Health Insurance Highlights_{Updated on 01 Oct 2023}

 

Features & Benefits of National Insurance

• Online availability - National Insurance offers individual as well as family policies online. Individuals can avail such policies if they are 50 years or below and need a sum insured of Rs.5 lakh.
• Online Renewal - Customers can easily renewal their insurance policy online. This makes renewals quick and hassle-free.
• Pre-policy check-up - This is required only if the customer is 40 years or above, or requires are sum insured of Rs.6 lakh and above. In case the customer wants to opt for the Critical Illness cover, then a medical check-up is required. Furthermore, if the proposal for insurance is accepted, National Insurance will reimburse 50% of the cost.
• Customer Care - National Insurance provides multiple avenues for customers to contact the customer support team via a toll-free number, email, or online chat.
• Cashless Facility - National Insurance has a tie-up with over 6,000 hospitals across India.
• Tax Benefits - All policies are eligible for tax exemptions for premium paid under Section 80D of the Income Tax Act.

Health Insurance Plans provided by National Insurance

National Mediclaim Policy

National Mediclaim Policy offers financial protection to cover hospitalisation expenses that one might incur during the treatment of a disease, illness or injury. This policy also covers over 140 day care procedures. The insured person is entitled to claim insurance during the policy period.

Unique Features of Plan

• Anyone between the age of 18 and 65 years can avail this policy.
• Dependent children between the age of 3 months and 18 years can be included in this policy.
• Dependent parents are also eligible to be covered under the same plan.
• This plan comes with lifelong renewability.
• The maximum sum insured is Rs.5 lakh.
• The policy covers hospitalisation charges, ambulance fee, Ayurveda, Homeopathy, and day care procedures.
• There are good health incentives offered for every claim-free year.
• A discount of 10% is offered if the policy is bought on a family basis.

Plan Details

Policy term	Lifelong
Entry Age	18 years
Plan Basis	Family
Sum Insured Range	Rs.50,000 to Rs.5 lakh
Premium	Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
Medical Screening	Required for those above 40 years and for those opting for CI cover
Co-Payment	Not specified
Waiting Period	30 days (except accidental injuries) 4 years for pre-existing illnesses
No Claim Bonus	Yes
Discounts	10% for family policies

Parivar Mediclaim Policy

Parivar Mediclaim Policy is a floater policy that offers cover for the individual, spouse, plus two dependent children. The sum assured is provided as a single floater which can be avail against treatment in hospitals for accidental injury, illness and diseases.

Unique Features of Plan

• Anyone between the age of 18 and 60 years can avail this policy.
• Dependent children between the age of 3 months and 25 years can be included in this policy.
• Dependent male child can be covered till 25 years if they are unemployed. Dependent female child can be covered up till marriage.
• This plan is renewable up to the age of 65 years.
• The maximum sum insured is Rs.5 lakh.
• The policy covers hospitalisation charges, day care procedures, pre and post-hospitalisation, and organ donations.
• 50% of the sum assured is the maximum one can avail for any one illness.
• There are good health incentives offered for every claim-free year.
• A discount of 10% is offered if the policy is bought on a family basis.

Plan Details

Policy term	Till the age of 65 years
Entry Age	18 years
Plan Basis	Family floater
Sum Insured Range	Rs.50,000 to Rs.5 lakh
Premium	Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
Medical Screening	Required for those above 40 years and for those opting for CI cover
Co-Payment	10% for illnesses arising out of diabetes and hypertension, if diabetes OR hypertension is pre-existing 25% for illnesses arising out of diabetes and hypertension, if diabetes AND hypertension is pre-existing
Waiting Period	30 days (except accidental injuries) 4 years for pre-existing illnesses
No Claim Bonus	Yes
Discounts	Not specified

National Mediclaim Plus Policy

National Mediclaim Plus Policy offers three plan options that can be selected according to the customer’s needs and budget. The insured will be covered against expenses arising out of hospitalisation, pre and post-hospitalisation, day care treatment, allopathy, Ayurveda, and Homeopathy.

Unique Features of Plan

• Anyone between the age of 18 and 65 years can avail this policy.
• Dependent children between the age of 3 months and 18 years can be included in this policy.
• Dependent male child can be covered till 25 years if they are unemployed. Dependent female child can be covered up till marriage.
• Dependent parents can also be covered.
• This plan comes with lifelong renewability.
• There are optional covers for Critical Illness cover, outpatient treatments, cumulative bonus, good health incentives, and health check-ups.
• There are three plan options:
  • Plan A - Rs.2 lakh to Rs.10 lakh (in multiples of Rs.1 lakh)
  • Plan B - Rs.15 lakh, Rs.20 lakh, Rs.25 lakh
  • Plan C - Rs.30 lakh, Rs.40 lakh, Rs.50 lakh
• The proposer can take the same sum insured for each member, or different for each member.

Plan Details

Policy term	One year. Lifelong renewability
Entry Age	18 years
Plan Basis	Family floater
Sum Insured Range	Plan A - Rs.2 lakh to Rs.10 lakh (in multiples of Rs.1 lakh) Plan B - Rs.15 lakh, Rs.20 lakh, Rs.25 lakh Plan C - Rs.30 lakh, Rs.40 lakh, Rs.50 lakh
Premium	Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
Medical Screening	Required for those above 40 years Those opting for cover above Rs.6 lakh Those who opt for CI cover
Co-Payment	20% if treatment is availed at a non-network provider
Waiting Period	30 days (except accidental injuries) 1, 2 or 4 years for pre-existing illnesses depending on the illness
No Claim Bonus	Yes
Discounts	10% for family policies 10% for members between 18 to 25 years 5% for online policies

Overseas Mediclaim Employment and Studies

This plan is specially designed to cover travel emergencies for people venturing out of the country. There are three categories of people covered under this policy: business and holiday, employment and study, and coporate frequent traveller.

Unique Features of Plan

• Premiums towards this plan can be paid in INR.
• An international service provider will be able to assist customers with claims.
• Claims will be payable in the respective foreign currency. In most cases, the service provider will pay the hospital directly.
• Under this policy, cashless service is not available.
• The first US$100 of all claims will have to be borne by the customer.

Plan Details

Policy term	As per the travel length
Entry Age	Not specified
Plan Basis	Individual
Sum Insured Range	US$150,000 to US$500,000
Premium	Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
Medical Screening	Anyone above the age of 70 years travelling for 60 days or more If medical reports cannot be provided, the cover will be capped at US$10,000
Co-Payment	NA
Waiting Period	NA
No Claim Bonus	NA
Discounts	Not specified

Overseas Mediclaim Business and Holiday

This plan is designed for those who travel abroad on business or holiday. The plan is a package policy that offers comprehensive health cover.

Unique Features of Plan

• Premiums towards this plan can be paid in INR.
• An international service provider will be able to assist customers with claims.
• Claims will be payable in the respective foreign currency. In most cases, the service provider will pay the hospital directly.
• Under this policy, cashless service is not available.
• The first US$100 of all claims will have to be borne by the customer.

Plan Details

Policy term	As per the travel length
Entry Age	Not specified
Plan Basis	Individual
Sum Insured Range	US$50,000 to US$500,000
Premium	Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
Medical Screening	Anyone above the age of 70 years travelling for 60 days or more If medical reports cannot be provided, the cover will be capped at US$10,000
Co-Payment	Applicable
Waiting Period	NA
No Claim Bonus	NA
Discounts	Not specified

 

National Parivar Mediclaim Policy

This is a floater policy that offers cover for the individual, spouse, dependent children, and dependent parents. This plan covers hospitalisation, maternity, newborn cover, vaccination, pre-existing diabetes and hypertension and more.

Unique Features of Plan

• Anyone between the age of 18 and 65 years can avail this policy.
• Dependent children between the age of 3 months and 25 years can be included in this policy.
• Dependent male child can be covered till 25 years if they are unemployed. Dependent female child can be covered up till marriage or employment.
• Any other member of the family included in this policy should be 65 years or less.
• The maximum sum insured is Rs.3 lakh. This is a floater sum that is applicable to one or all the members included in the policy.
• The policy covers hospitalisation charges, day care procedures, pre and post-hospitalisation, and organ donations.
• There are good health incentives offered for every claim-free year.
• Discounts are available for 2 and 3-year policies, online policies, and for excluding maternity cover.

Plan Details

Policy term	1 year, 2 years, 3 years
Entry Age	18 years
Plan Basis	Family floater
Sum Insured Range	Rs.1 lakh to Rs.3 lakh (in multiples of Rs.1 lakh)
Premium	Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
Medical Screening	Required for those above 40 years and for those opting for CI cover
Co-Payment	10% for illnesses arising out of diabetes and hypertension, if diabetes OR hypertension is pre-existing 25% for illnesses arising out of diabetes and hypertension, if diabetes AND hypertension is pre-existing Copayment is also required for treatment outside respective zone.
Waiting Period	30 days (except accidental injuries) 1-4 years for specific or pre-existing illnesses
No Claim Bonus	5% on the base premium
Discounts	Online purchase - 5% on the base premium Online renewal - 2.5% on the base premium No maternity/infertility cover for those above 45 years - 3% on individual premium 2-year policy term - 4% on total premium 3-year policy term - 7.5% on total premium

National Parivar Mediclaim Plus Policy

With this plan, one can cover themselves, spouse, children, parents or parents-in-law. The sum insured is a floater sum for all that can be a maximum of Rs.50 lakh. The policy covers hospitalisation, maternity, newborn, infertility, ambulance, vaccination, and more.

Unique Features of Plan

• Anyone between the age of 18 and 65 years can avail this policy.
• Dependent children between the age of 3 months and 18 years can be included in this policy.
• Dependent male child can be covered till 25 years if they are unemployed. Dependent female child can be covered up till marriage.
• Dependent parents can also be covered.
• This plan comes with lifelong renewability.
• There are optional covers for Critical Illness cover, outpatient treatments, cumulative bonus, good health incentives, and health check-ups.
• There are three plan options:
  • Plan A - Rs.6 lakh to Rs.10 lakh (in multiples of Rs.1 lakh)
  • Plan B - Rs.15 lakh, Rs.20 lakh, Rs.25 lakh
  • Plan C - Rs.30 lakh, Rs.40 lakh, Rs.50 lakh
• The proposer can take the same sum insured for each member, or different for each member.

Plan Details

Policy term	One year. Lifelong renewability
Entry Age	18 years
Plan Basis	Family floater
Sum Insured Range	Plan A - Rs.6 lakh to Rs.10 lakh (in multiples of Rs.1 lakh) Plan B - Rs.15 lakh, Rs.20 lakh, Rs.25 lakh Plan C - Rs.30 lakh, Rs.40 lakh, Rs.50 lakh
Premium	Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
Medical Screening	Required for those above 40 years and for those opting for CI cover
Co-Payment	Copayment is also required for treatment outside respective zone and network
Waiting Period	30 days (except accidental injuries) 1-4 years for specific or pre-existing illnesses
No Claim Bonus	5% on the base premium
Discounts	Online purchase - 5% on the base premium Online renewal - 2.5% on the base premium Above 45 years - 3% on individual premium 2-year policy term - 4% on total premium 3-year policy term - 7.5% on total premium

Checklist before Buying National Insurance Health Insurance

• Know what cover you need - maternity, newborn, pre-existing illnesses, heart, cancer, diabetes, etc.
• Research different health insurance plan options.
• Decide on an optimum sum assured taking into consideration inflation.
• Take your family into consideration and see if other members can be added to reduce the overall premium.
• Compare different policies online.
• Once you have decided on a policy, ensure you read the brochure, terms and conditions and any other relevant document provided.
• Be aware of all exclusions, co-payment options, network hospitals, cashless claim settlement options, and so on.
• Look out for add-ons/riders that could help you enhance your cover by paying an extra premium.

Documents Required for Purchasing National Insurance Medical Insurance

• Valid government-issued ID proof such as Aadhaar, Voter ID, Driving Licence, Passport, etc.
• Valid address proof such as electricity bill, water bill, ration card, Driving Licence, Passport, Aadhaar, etc.
• Medical reports if needed.
• PAN details.

Reasons to choose National Insurance

• Get financial cover for yourself and your family under one health insurance plan.
• Buy and renew your policy easily online and avail special discounts.
• Enjoy no-claim bonuses if you don’t make a claim, and get good health incentives.
• Get discounts for including your family members.
• Medical tests are required for only those above 40 years old, opting for cover of Rs.6 lakh and above, and opting for critical illness cover.
• The company has a customer care service that functions round the clock.

Incurred Claim Ratio of National Insurance

The incurred claim ratio indicates the number of claims settled by a company against the number of claims received in a year. This ratio is calculated by the IRDA taking into consideration the total value of premiums collected by the company and the total value paid out in claims. This ratio is made public on an annual basis. This figure can help customers see how many claims a company rejects. This can help them make a decision on which insurance provider to choose. However, the claim ratio should not be a sole deciding factor.

Year	Incurred Claim Ratio
2016-17	126.98%

Extra Benefits from National Insurance

Cashless settlement	6,000+ hospitals across India
Medical checkup	50% of the cost of pre-policy checkups will be refunded if the proposal is accepted
Reinstatement of Sum Insured	Available depending on the plan selected
Tax Rebate	Tax benefits against premiums paid under Section 80D of Income Tax Act, 1961
Hospital Cash	Depending on the choice of plan, you can get hospital cash if hospitalisation exceeds 3 days
Alternative treatment	Homeopathic and Ayurvedic treatments are covered
Free-look period	15 days from the date of receipt of the policy
Grace period	30 days from the due date or premium payment
Portability	You can port your policy to another company but it must be done at least 45 days before the expiry date
Riders	Add-ons are available for out-patient treatment, critical illnesses, pre-existing diabetes and pre-existing hypertension
Nomination	Mandatory at the time of inception of the plan

 

National Insurance Renewal

National Insurance provides the option of renewing your insurance policy easily online on their official website. Alternatively, you can renew your policy at an operating office, through an insurance agent or at self-service kiosks.

The policy must be renewed by the due date or at least within 30 days after, however, during the 30-day grace period, the cover will not be applicable.

If the insured passes away, any other member who is above the age of 18 can renew the policy. If only children under the age of 18 years are remaining, the policy will continue till the expiry date. Grandparents are allowed to renew the policy and also cover the grandchildren. The premium will be calculated based on the age of the next eldest person under the policy.

National Insurance Network Hospitals for Cashless Treatment

National Insurance has a tie-up with over 6,000 hospitals across India. Insured members can avail cashless treatment at these hospitals. Customers opting for treatment outside of this network might be required to make a copayment of the claim made.

You can find out if a hospital falls within the National Insurance network by calling the customer support. This information should also be available in your policy document.

Claim Procedure in National Insurance

There are three types of claims that can be made to National Insurance:

• Cashless Claims

  You or a representative needs to notify National Insurance about your hospitalisation.

  • Planned hospitalisation - At least 72 hours prior to admission
  • Emergency hospitalisation - Within 24 hours of admission

• Reimbursement

  You or a representative needs to notify National Insurance about your hospitalisation.

  • Planned hospitalisation - At least 72 hours prior to admission
  • Emergency hospitalisation - Within 24 hours of admission

• Vaccination

  You or a representative needs to notify National Insurance about the vaccination at least 24 hours prior.

Procedure for health insurance claim

Cashless

• You need to admit yourself in a network hospital.
• Procure and fill up the cashless request form which will be available at the TPA counter (third-party administrator).
• Provide relevant details and medical information.
• The request will be verified by National Insurance, and if satisfied, an authorisation letter will be sent.
• The insurer might ask for more information before giving approval.
• If you are unable to provide adequate information, or if your treatment is not covered, the company can reject your request. You can then file for a reimbursement claim later.
• Once approval comes through, you can avail the treatment and the bill will be settled directly by National Insurance. You will be required to pay only for non-medicals and any part of the bill that is not covered under your policy.

Reimbursement

• Once you complete your treatment, you need to pay the bill.
• You should collect all documents such as the discharge summary, prescriptions, reports, bills, cash memos, and any other relevant documents.
• For domiciliary hospitalisation, you need a certificate stating the reasons for domiciliary hospitalisation and a fitness certificate from the treating practitioner.
• In case of surrogacy, you need a legal affidavit regarding the intimation of surrogacy.
• For reinstatement of the sum insured you need a policy investigation report of the road accident.
• For medical emergency reunion, you need a confirmation from a medical practitioner confirming the need for reunion.
• From the date of receipt of the final documents, the claim will be settled or rejected within 30 days.
• The payment of the claim will be made within 7 days. Any delay in payment will be paid at an interest rate of 2% higher than the bank rate (as per the beginning of the financial year in which the claim is settled).

Terms and Conditions of National Insurance

• In case fraud and misrepresentation, National Insurance will not be liable to pay any claims.
• Claims will be paid only in INR.
• Claims will be paid out through NEFT/RTGS only.
• All medical treatment must be taken in India (except for the overseas policies).
• National Insurance can revise terms of the policy and premiums rates by giving 3 month's notice.

FAQs about National Insurance

1. Can I take a policy to include my whole family including siblings?

   No, there is no policy available under which you can cover siblings. You can only cover spouse, dependent children, legally adopted children, and dependent parents/parents-in-law.

2. What is a pre-policy medical check-up?

   A pre-policy check-up is a medical test done before a policy can be approved. The test is required for those who are above a certain age, have pre-existing conditions, or for those who smoke or drink alcohol. National Insurance requires those who are 40 years and above to go through a pre-policy check-up. Those opting for a sum insured of Rs.6 lakh or above are also required to do medical tests. If you opt for critical illness cover, you need to do these tests as well.

3. Will National Insurance pay for the pre-policy check-up?

   Initially, you have to bear the expenses of the medical tests. If your proposal is accepted and National Insurance offers you a policy, then they will reimburse 50% of the cost.

4. I do not have a PAN. What else can I submit in lieu of it?

   If you are unable to provide your PAN details, you can submit Form 60 or Form 61 as per Rule 1114B of the Income Tax Rule, 1962.

5. What are the exclusions of maternity cover?

   National Insurance is not liable to make payments on maternity claims under the following circumstances:

   • If the life insured is above the age of 45 years.
   • If there is more than one delivery or termination within the policy year.
   • Surrogacy (in case of infertility) if the claim is made in accordance to the provisions of the policy.
   • Pre and post-hospitalisation as specified in the policy document.
6. Are there any terms for availing Ayurvedic and Homeopathic treatment?

   Yes, if you are availing these treatments, it needs to be taken at a government hospital, or any institution that is recognised by the government. Institutions that are accredited by the Council of India or National Accreditation Board of Health will also be accepted.

7. What are pre and post-hospitalisation expenses?

   Medical expenses incurred 30 days before being hospitalised and 60 days after are pre and post-hospitalisation expenses. These can include doctor’s consultation, diagnostic tests, prescriptions, and so on.

8. Up till what age can my dependent daughter be covered under this policy if she remains unmarried?

   If your daughter is unmarried and unemployed, provided that she is dependent on you, there is no age limit specified by National Insurance.

9. Is there any extra benefit to purchasing a policy online?

   If you purchase a policy online, you will be entitled to 5% discount on your premium. Medical check-ups are not required. You will also have your policy instantly issued to you via email.

10. How long does it take for National Insurance to settle a claim?

    Hospitalization, pre hospitalisation expenses and ambulance charges, air ambulance charges and medical emergency reunion charges	15 days from date of discharge from hospital
    Post hospitalisation expenses and doctor’s home visit and nursing care	15 days from completion of post hospitalisation treatment
    Domiciliary hospitalisation expenses	15 days from issuance of fitness certificate
    Anti rabies vaccination, new born baby vaccination and vaccination of children	15 days from date of vaccination
    Infertility treatment	15 days from completion of treatment
    Health check up expenses	Within 6 months of the 3rd policy year

11. How long does National Insurance take to give approval on a cashless claim request?

    Approvals are sent as soon as possible, but should not take more than 24 hours.

12. Which policies are available online?

    You can purchase Individual and Parivar policies online. Online policies are available to those who are not more than 50 years old and require a sum insured of Rs.5 lakh.

13. How do I contact the National Insurance customer care?
    • You can chat with them online on the National Insurance website.
    • You can call 1800 200 7710 toll free
    • You can email faf@nic.co.in
14. How do I renew my policy online?
    • Log onto the National Insurance official website
    • Click on “To Renew Your Policy Online”
    • You will be directed to a new page where you can enter your policy number and a captcha code.
    • You can then review your policy details.
    • If you are satisfied, you can make the payment towards the premium.
    • Your new policy will be issued to you.