National Insurance is a public sector insurance company which is owned by the Government of India. The company was founded in the city of Kolkata in the year 1906. After 66 years, when the general Insurance Business Nationalisation Act was passed in the year 1972, the company was merged with other foreign and Indian insurance companies and the National Insurance Company was formed. After nationalisation, the company was a subsidiary of the General Insurance Corporation but in the year 2002, it was delinked from GIC and is now operating as an independent general insurance company.
National Insurance serves customers in India as well as in Nepal. It has won various awards the latest one being the Economic Times Iconic Brands Award in 2018 in the general insurance category. National Insurance also offers a range of general insurance products to its customers and its health insurance plans are quite popular among individuals.
Network hospitals |
All major hospitals in India |
Renewability |
Lifelong renewability in all health plans |
Portability |
Free portability allowed |
Customer care number for health insurance |
1800 345 0330 |
National Insurance is a preferred health insurance provider among individuals because of the following reasons –
National Insurance Health Insurance plans provide a range of coverage benefits to policyholders. Some of the benefits which are covered under almost all health insurance plans offered by National Insurance include the following –
If you are hospitalised for a period of 24 hours or more, the costs incurred on such hospitalisation would be covered. These costs include rent of the hospital bed, ICU room rent, fees payable to surgeons, doctors, anaesthetists, nurses, etc., cost of blood or medicines, treatment costs, etc.
Expenses which are incurred before you are actually hospitalised are called pre-hospitalisation expenses. Health plans cover pre-hospitalisation expenses for a specific period.
After you are discharged from the hospital you might incur medical costs for monitoring of your condition and for recovery. These expenses are called post hospitalisation expenses and they are covered for a specified period.
There are some treatments which do not need you to be hospitalised for 24 hours or more due to the advancements in the field of medicine. These treatments are called day care treatments and health insurance plans cover these treatments up to the sum insured.
If you have to take medical treatments at your own home due to non-availability of any hospital bed or if you cannot be moved to the hospital, such treatments are called domiciliary treatments, National health insurance plans cover these domiciliary treatments up to specified limits.
The costs incurred in harvesting organs from an organ donor so that you can undergo a transplant surgery are covered under health insurance plans under the head organ donor treatments.
Free health check-ups are value-added benefits which are available under National health insurance plans. The plans allow free medical check-ups at specified intervals so that you can monitor and track your health.
Maternity coverage is the coverage given for covering the costs incurred in pregnancy and child birth. All National health insurance plans do not provide coverage for maternity related expenses. However, there are some plans under which you would be able to find coverage for maternity costs up to specified limits.
Alternative treatments or AYUSH treatments are also covered under some National mediclaim policies. These treatments include treatments taken using non-allopathic means like Ayurveda, Homeopathy, etc.
Though National Insurance health insurance plans have a comprehensive scope of coverage, there are some instances and treatments which are not covered under any health plan. These are called exclusions and common exclusions found under every National insurance health policy includes the following –
Besides the inbuilt coverage benefits, many National Insurance health policies also have add-on coverage benefits. These benefits are optional and can be selected at additional premiums. Some of the common add-on coverage benefits under National medical insurance plans include the following
This add-on covers specific critical illnesses. If you are diagnosed with any of the covered illness, the sum insured for the cover is paid in one lump sum.
Under this cover, medical expenses incurred on doctor’s consultations, medicines and diagnostics are covered which are taken on an outpatient basis.
National Insurance offers a range of health insurance plans which are explained below –
As the name suggests, this is an individual health insurance plan which can be taken to cover a single life. The policy provides high levels of coverage and is quite comprehensive in nature. The features of the plan are as follows –
Eligibility parameters of National Mediclaim Plus Policy (Individual Plan)
Entry age |
Children – 3 months to 18 years Adults – 18 years to 65 years |
Sum insured |
INR 2 lakhs to INR 50 lakhs |
Policy tenure |
1 year |
This is another individual health insurance plan offered by National Insurance. The plan has the following salient coverage benefits –
Eligibility parameters of National Mediclaim Policy (Individual Plan)
Entry age |
18 years to 65 years |
Sum insured |
INR 50,000 to INR 5 lakhs |
Policy tenure |
1 year |
This is a super top-up health insurance plan which allows you to increase your existing health insurance coverage at very limited premiums. The plan has a deductible limit and a sum insured. You have to choose a combination of the deductible and the sum insured. If the aggregate amount of claims in a policy year exceeds the chosen deductible limit, the policy would pay the excess claim. This is the concept of super top-up health insurance plans. Other salient features of the policy include the following-
Eligibility parameters of National Super Top-up Mediclaim Plan
Entry age |
Children – 3 months to 18 years Adults – 18 years to 65 years |
Sum insured |
INR 3 lakhs to INR 20 lakhs |
Deductible limit |
INR 2 lakhs to INR 10 lakhs |
Policy tenure |
1 year |
This is a unique mediclaim policy which covers students against medical contingencies and personal accident. The salient features of the plan are as follows –
Eligibility parameters of National Insurance Vidyarthi Mediclaim Policy for Students
Entry age |
3 years to 25 years |
Sum insured |
Hospitalisation cover – INR 50,000 to INR 2 lakhs Personal accident cover for the student – INR 50,000 Personal accident cover for guardians – twice the sum insured of hospitalisation cover |
Policy tenure |
1 year |
This is a family floater health insurance plan which extends coverage to your family. The salient features of the plan are as follows –
Eligibility parameters of National Parivar Mediclaim for Family
Entry age |
Children – up to 25 years Adults – 18 years to 65 years |
Sum insured |
INR 2 lakhs to INR 5 lakhs |
Policy tenure |
1 year |
This is also a family floater health insurance plan which covers the entire family. The features of the plan are as follows –
Eligibility parameters of National Parivar Mediclaim Policy:
Entry age |
Children – 3 months to 25 years Adults – 18 years to 65 years |
Sum insured |
INR 1 lakh to INR 10 lakhs |
Policy tenure |
1, 2 or 3 years |
This is the family floater variant of the Mediclaim Plus policy which allows a comprehensive scope of coverage and high sum insured levels. The salient features of the policy are as follows –
Eligibility parameters of National Parivar Mediclaim Plus Policy
Entry age |
Children – 3 months to 18 years Adults – 18 years to 65 years |
Sum insured |
INR 6 lakhs to INR 50 lakhs |
Policy tenure |
1, 2 or 3 years |
This is a fixed benefit National medical insurance plan which covers specified critical illnesses. The features of the plan are as follows –
Eligibility parameters of National Critical Illness Policy
Entry age |
Children – 3 months to 18 years Adults – 18 years to 65 years |
Sum insured |
INR 1 lakh to INR 75 lakhs |
Policy tenure |
1 year |
This health insurance plan is designed for senior citizens who are aged 60 years and above. The highlights of the plan are as follows –
Eligibility parameters of National Varistha Mediclaim Policy:
Entry age |
60 years to 80 years |
Sum insured |
INR 1 lakh |
Policy tenure |
1 year |
National Corona Kavach Policy
In this time of the pandemic, National insurance has come up with a standard health-based policy. National Corona Kavach Policy is a short-term policy specifically designed for individuals and has the feature of indemnity. This policy eases your financial burden if you get infected with the novel coronavirus. It offers you protection against all the expenses you incur towards the treatment of Covid-19. It caters to your basic health insurance needs.
It is a pocket-friendly policy that can be bought on an individual basis or on a floater basis. You can cover yourself, your spouse, your dependent children, your parents and your parents in law. The proposer must be 18 years of age when buying the policy and can include family members up to the age of 65 years. The age of dependent children can be from 1 day to 25 years. The children can be natural children or legally adopted.
If the children above 18 years are financially independent, they become ineligible for coverage under this policy. The proposers who are above 65 years can buy the policy for the family, without covering themselves.
Features of National Corona Kavach Policy
Eligibility Parameters Of National Corona Kavach Policy
Type of Policy |
Indemnity based policy available on a Family floater and individual basis |
Sum Assured |
INR 50,000 to INR 5 lakhs |
Tenure of Policy |
3.5, 6.5 and 9.5 months |
Age |
Minimum: 18 years Maximum: 65 years |
Waiting period |
15 days (from the policy purchase) |
Mode of Premium Payment |
Single-Premium |
National Arogya Sanjeevani Policy
The Arogya Sanjeevani Policy offered by National Insurance is a standard insurance policy on an individual basis. It is an affordable insurance policy that covers individuals and families for basic health care expenses. It is an annual policy and has a term of 1 year, but can be renewed for a lifetime.
The Arogya Sanjeevani Policy covers in-patient hospitalization expenses and also the cost of treatment for any injury sustained or illness contracted during the policy period. It also covers daycare treatment expenses, pre-hospitalization expenses up to 30 days and post-hospitalization expenses up to 60 days. You can also claim ambulance expenses under this policy, up to specified limits.
Features Of National Arogya Sanjeevani Policy
Eligibility Parameters Of National Arogya Sanjeevani Policy
Type of Policy |
Standard Indemnity based policy obtainable on a Family floater and individual basis |
Sum Assured |
INR 1 lakh to INR 5 lakhs |
Tenure of Policy |
1 year or 12 calendar months |
Age |
Minimum: 18 years Maximum: 65 years |
Waiting period |
30 days (from the date of policy purchase) |
Mode of Premium Payment |
Premium can be paid Monthly, Quarterly, Haly Yearly and Yearly instalments. |
National Overseas Mediclaim Business and Holiday Policy
Overseas Mediclaim policy as offered by National Insurance is a comprehensive plan that provides cover against any risk, accident or economic loss while travelling abroad for business or pleasure. It is a productive insurance plan that proves to be your companion in case of any unwanted situation while travelling abroad.
This policy covers many aspects of travelling like medical situations, accidents, loss or delay of checked baggage, loss of passport, personal liability etc. It even covers the loss of valuables like- electric equipment, jewellery, articles made of precious stones and metals.
Features ofNational Overseas Mediclaim Business and Holiday Policy
Eligibility Parameters Of National Overseas Mediclaim Business and Holiday Policy
Type of Policy |
Individual (maximum 4 members of the family) |
Residential Status |
Indian Citizen |
Tenure of Policy |
180 days from the date of initiation of the policy |
Age |
Minimum: 18 years Maximum: 70 years |
Tenure |
Valid from the first day of Insurance or date and time of departure from India (whichever is later) Expires on the last day of the number of days specified in the schedule or on return to India (whichever is earlier) |
National Overseas Mediclaim Employment and Studies Policy
Every year a significant number of students from India travel abroad for higher studies or employment opportunities. There is a long list of things one needs to take care of while travelling to a new location and one can not leave room for any trouble. In such situations, National insurance proves to be your best friend in the foreign land with its comprehensive mediclaim insurance. It offers a mediclaim policy that covers any travel emergencies faced by the policyholder whilst travelling abroad because generally, individuals travel alone to seek employment or to complete their studies.
National Overseas Mediclaim Employment and Studies Policy provide widespread protection while travelling abroad. It provides hassle-free travel insurance and is well known for its transparent and quick settlement process. It covers medical expenses and also takes care of expenses due to loss or delayed checked-in baggage besides covering medical evacuation, repatriation, passport loss, flight delay or flight cancellation. Contingency Insurance is also provided to the students who have sponsorship.
Features Of National Overseas Mediclaim Employment and Studies Policy
Despite having a good travel arrangement, any unfortunate incident can cause mental, physical or financial harm. So it is best to cover your travel plans with a good insurance policy. Some of the benefits of National Insurance are-
Eligibility Parameters Of National Overseas Mediclaim Employment and Studies Policy
Type of Policy |
Individual |
Residential Status |
Indian Citizen going abroad for employment or studies purpose Foreign nationals working in India for Indian employers and drawing salaries in Indian currency |
Tenure of Policy |
Above 60 days of the journey |
Age |
Minimum: 5 years Maximum: 70 years |
Tenure |
Should be bought 30 days before departure from India |
Travel oriented health plans offered by National Insurance are those which provide international health insurance coverage along with travel insurance benefits. National Insurance offers the following two types of overseas health insurance plans –
This is an international travel insurance plan which allows health insurance coverage while you are travelling abroad. The features of the plan are as follows –
Eligibility parameters of National Insurance Overseas Mediclaim Business and Holiday
Sum insured |
USD 50,000 to USD 5 lakhs |
Policy tenure |
Equivalent to the trip duration |
This is a specific travel insurance plan which is designed for those who are travelling overseas for employment related purposes or for higher education. The salient features of the plan are as follows-
Eligibility parameters of National Insurance Overseas Mediclaim Employment and Studies
Sum insured |
USD 1.5 lakhs and USD 5 lakhs |
Policy tenure |
Equivalent to the trip duration |
National Insurance has strengthened its online presence to enable you to buy a suitable health insurance policy directly from the company’s websites. Alternatively, you can choose to buy National medical insurance policies online through Turtlemint. Turtlemint is an online platform which eases the process of buying health insurance plans. To buy National mediclaim policy, all you have to do is visit Turtlemint and follow the below-mentioned steps –
Under the health plans offered by National Insurance, pre-entrance medical screening might be required if you are buying the plan at an older age and/or if the sum insured is high. The list of tests which are required for pre-entrance medical check-ups include the following –
The costs of these tests for National Insurance health policy would have to be borne by you. However, the insurance company would reimburse 50% of the costs incurred if the policy is accepted and issued by the company.
Before you shortlist and buy the best National Insurance health policy, there are some things which you should keep in mind. These things include the following –
National Insurance Company allows you the online facility of calculating your health insurance premiums online before you actually buy the policy. To calculate the premium, there is an online National Insurance premium calculator which is a free tool that you can access for getting a health insurance quote for a particular policy. To use the National Insurance premium calculator, visit https://nationalinsurance.nic.co.in/en/product/health-insurance and choose the product whose premium you want to calculate. Then provide your coverage details like your name, age, a number of members covered, the sum insured, contact details, etc. Also, choose add-ons if required. Once all the details are entered, click on ‘Calculate Premium’ to find the premium payable for the selected health insurance plan easily through the National Insurance premium calculator.
To renew National Insurance health insurance plans, you can choose the online mode and do the renewals. National Insurance allows online renewals through its own website. The process is as follows –
Another way to renew your National health insurance policy is through Turtlemint’s website. If you have bought the policy from Turtlemint just log into your online account for renewals. You can check the existing policy status, make any changes if required and pay the renewal premium online. Once the premium is paid, the policy would be instantly renewed.
If you face a medical emergency and incur medical costs which are covered under your National health insurance policy, you can make a claim to get the costs settled by the insurance company. The process of making a claim under the policy is as follows –
Cashless claim process
Reimbursement claims
For the claim to be valid, the following documents would have to be submitted to the TPA of National health insurance company–
You can also get the settlement of your health insurance claims easily through Turtlemint. Turtlemint has a dedicated claims handling department which handles customers’ claims and help them in getting a quick settlement. You just have to inform Turtlemint of your claim and Turtlemint would take all the necessary steps to get your claims settled. To inform you can either call Turtlemint’s toll-free helpline number or send an intimation mail. The number is 1800 266 0101 and the email id is claims@turtlemint.com.
If you want to contact National Insurance for any query, feedback or grievances, you can use the following contact details of the company –
Helpline phone number |
1800 345 0330 |
Address of the Head Office |
3, Middleton Street, Prafulla Chandra Sen Sarani, Kolkata, West Bengal, 700071 |
Telephone number |
22831705 |
Fax Number |
22831740 |
Email ID for grievances |
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Email ID for any query |
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Email ID for support |
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Email ID for reporting frauds |
Yes, National Insurance offers a range of family floater health insurance plans which can be taken to cover your entire family including you, your spouse, dependent children and dependent parents.
The group health insurance policy would give you limited coverage which might not be sufficient for the coverage needs of your family. The sum insured would also be limited and given the rising medical costs, you need a higher coverage level. Moreover, the group insurance coverage would be valid until you are employed with your employer. When you leave your job, the coverage would stop. It is, therefore, better to buy an independent health insurance plan covering all the family members and having an optimal level of sum insured.
Yes, National health insurance plans allow coverage even if you have pre-existing illnesses. Pre-Existing diabetes would, however, be covered after a waiting period. Alternatively, if you want coverage from the start of the policy, you can pay an additional premium and get coverage for your diabetes.
The coverage level depends on various factors which include the expected cost of treatments, the number of members covered, the city where you live (metro cities have higher hospitalisation costs than non-metro ones), etc. You should always choose a high level of sum insured so that the rising medical costs can be easily covered under your health insurance plan.