National Health Insurance

  • 14,000+ Network Hospitals
  • 99.06% Claim Settlement Ratio
  • 24x7 Claim Assistance


National Health Insurance is one of the leading health insurance companies offering comprehensive health insurance plans to individuals and families. National Insurance is one of the oldest health insurance companies in India. It was established in December 1906 but was later merged with other companies to become one of the four subsidiaries of the General Insurance Corporation of India. In August 2002, it was spun off and currently operates as an independent insurance company. National Insurance is strongly committed to providing financial security and quality healthcare services. It aims to ensure its policyholders access affordable and reliable health insurance coverage.

National Health Insurance Awards and Recognitions

National Health Insurance has won various awards and achievements over the years. Here is a list of some of the notable awards and accolades received by National Health Insurance Companies:

  • National Insurance won the “Best Healthcare Insurance Service Provider” award from the Healthcare Excellence Awards in 2021.
  • National Insurance Company won the “Economic Times-BFSI Best Brands” award 2016 for all-round Excellence in the General Insurance Category.
  • National Health Insurance won the “Samudra Manthan Best Insurer of the Year” Award in 2016.
  • National Health Insurance won the “SKOCH Financial Inclusion Awards” in 2016.
  • National Insurance won the “ICONIC BRAND Award (Insurance Sector)” 2016.

National Health Insurance Company Specification

Below are the key specifications of the National Health Insurance Company:

Particulars Specifications
Network Hospitals 3,200+
Incurred Claim Ratio (2022-23) 102.35
Claim Settlement Ratio (less than 3 hrs) (2021-22) 86.28
Number of Branches 1730 offices
Solvency Ratio (2022-23) 0.16
Market Share (2022-23) 7,403.16 Crore

*Data has been sourced from the annual report of IRDAI 2021-22 and 2022-23

Key Features of National Insurance Company

National Insurance Company is a leading insurance provider offering various insurance products to individuals and businesses. Here are some key features that are commonly associated with reputable insurance companies:


Variety of Health Insurance Plans

National Insurance Company Limited (NICL) offers a range of health insurance plans catering to individual needs and budgets. These can include:

  1. Individual Health Insurance Plans
  2. Family Floater Health Insurance Plans
  3. Senior Citizen Health Insurance Plans
  4. Critical Illness Health Plans

Comprehensive Plans

National Health Insurance plans typically cover hospitalization expenses, including room rent, surgeon fees, anaesthesia charges, diagnostic tests, and medicines.


Network Hospitals

National Insurance has a vast network of cashless hospitals in India, with tie-ups with more than 3,200 network hospitals. Policyholders can avail themselves of cashless hospitalization benefits at network hospitals, where NICL settles the bill directly with the hospital, minimizing upfront payments.


Claim Settlement Ratio

The claim settlement ratio is one of the most important parameters for checking the performance of any health insurance company. It shows us the company's claim-settling capability. According to the annual report of the Insurance Regulatory Development of India (IRDAI) 2021-22, National Health Insurance had a claim settlement ratio of 86.28 in the financial year 2021-22.


Quick and Efficient Claims Process

National Insurance Company offers a smooth and efficient claim settlement process. When policyholders file claims, the company aims to process them quickly, ensuring that customers receive timely compensation or benefits.


Solvency Ratio

The solvency ratio shows the company's ability to meet its financial obligations. According to the Insurance Regulatory Development Authority of India (IRDAI), every health insurance company must maintain a minimum solvency ratio of 1.5. National Health Insurance had a solvency ratio of 0.16 in the financial year 2022-23.


Number of Branches

The National Insurance Company (NIC) is one of the oldest health insurers in India, with more than 1730 branches across the country. The company continuously expands its reach and operations so customers can visit their nearest branch to resolve queries.

Health Insurance Plans Offered by National Insurance Company

National Insurance Company Limited (NICL) offers a variety of health insurance plans to cater to the needs of individuals and families. Let's explore the health insurance plans offered by National Insurance Company:

Individual and Family Health Insurance

Senior Citizen Health Insurance

Group Health Insurance

Why Choose National Insurance Company?

There are several reasons why you might consider National Insurance Company (NICL) for your health insurance needs in India:


Longstanding Presence

National Insurance Company Limited (NICL), founded in 1906, is one of India's oldest and most trusted health insurance companies. This experience translates into a well-established network of offices and partner hospitals nationwide.


Government Backing

As a public sector undertaking (PSU), National Insurance Company Limited (NICL) offers policyholders a certain level of protection and stability, which the government of India backs.


Focus on Comprehensive Coverage

National Health Insurance plans generally offer comprehensive coverage for hospitalization expenses.


Social Schemes Involvement

National Insurance Company Limited (NICL) plays a vital role in implementing various government-sponsored social health insurance schemes, making health insurance more accessible to a wider population section.


Online Customer Portal

They offer an online customer portal for managing policies, accessing documents, and tracking claim status.


Customer Support

National Insurance Company also provides 24x7 live chat support to its customers to get solutions to their queries anywhere and anytime.

National Insurance Company Premium Calculator

National Insurance Company (NICL) doesn't seem to offer a directly accessible premium calculator on their website. However, there are a few ways you can estimate the premium for your desired health insurance plan:


Contact National Insurance Company

You can contact National Insurance Company customer care through the phone number or email address listed on their website. They should be able to provide you with an estimated premium based on your age, location, plan chosen and desired sum insured.


Visit a Branch

Locate a National Insurance Company branch near you and visit them in person. A representative can guide you through their health insurance plans and provide you with a personalized premium quote based on your specific details.


Use Third-Party Calculators

Several online insurance aggregator websites in India offer health insurance premium calculators. These tools allow you to compare plans from various insurance companies, including NICL. You can visit RenewBuy's official website to calculate the premium amount or connect with RenewBuy's POSP Advisor to get the exact premium amount you need to pay for your National Health Insurance Plan.

National Health Insurance Add-on Riders

National Insurance Company (NICL) offers an add-on rider, i.e., National Home Care Treatment Add-on, to enhance the basic coverage of your National Health Insurance Plans. You can purchase this add-on rider if you have a National Mediclaim Policy / National Mediclaim Plus Policy, New National Parivar Mediclaim Policy, or National Parivar Mediclaim Plus Policy. Some of the benefits of National Home Care Treatment Add-on are:

  • No worry about bed availability at the Hospital
  • Hassle-free treatment at home
  • Avoids unnecessary Hospital trips
  • Safe, convenient and familiar environment for patient
  • More patient independence
  • Companionship and social interactions are not restricted

Coverage Benefits of National Home Care Treatment Add-on

  • Expenses such as diagnostic tests, consultation charges, nursing charges and medicines are covered.
  • Get home care treatment for upto 14 days.
  • Coverages from INR 10K to INR 50K Sum Insured not exceeding 10% of base policy sum insured.

National Health Insurance Exclusions

Below are the standard conditions not covered under National Health Insurance plans, but they may vary from plan to plan.


Alcohol or drug abuse


Sexually transmitted diseases (STDs) like HIV


Plastic Surgery


Suicide or attempted suicide


Cosmetic Surgery


Intentional/self-inflicted injury


Insanity or venereal disease


Breach of law with criminal intent


Medical expenses incurred due to war or similar conditions


Weight reduction treatment


Injuries happened due to participation in adventurous sports

National Health Insurance Buying Process

The policyholders can buy a National Health Insurance plan from the official website of National Insurance Company Limited and "". Below are both the buying processes for National Health Insurance plans:

Buy from ""

  • Visit the official website of "RenewBuy".
  • Click on the "Health Insurance Plan" tab.
  • Select the desired plan.
  • Fill in all the required details.
  • Click on the "Buy Now" button.
  • Make payment.
  • We will send the policy documents to your registered email ID.

Buy from the official website of National Insurance Company

  • Visit the official website of the “National Insurance Company”.
  • Click on the "Product" button from the header menu.
  • Then, go to the “Health” section from the drop-down.
  • Then, click on the “GET QUOTE/BUY POLICY” button.
  • Select your desired health policy and click on it.
  • A new tab will open where you must enter your personal information and other details.
  • Then, click on the “Calculate Premium” button.
  • After you make an online payment, the National Insurance Company will send the policy documents to your registered email address.

Why Buy National Health Plans From RenewBuy?

RenewBuy brings you the best deals on National Health Insurance plans across the market. The key reasons for you to consider us are as follows:

  • IRDAI Certified
  • Get Insured by a leading Insurer
  • Discounted Premiums
  • Compare Various Health Plans in Just a few Clicks
  • Simple & Easy Buying Process
  • 24x7 Claim Assistance.

How to Renew Your National Health Insurance Policy?

Here's how to renew your National Insurance Company (NICL) health insurance policy:

  1. Visit the official website of the “National Insurance Company”.

  2. Click on the "Product" button from the header menu.

  3. Then, go to the “Health” section from the drop-down.

  4. Then, click on the “RENEW” button.

  5. A new tab will open where you must enter your policy number and captcha answer.

  6. Then, click on the “Renew Policy” button.

  7. Proceed to the payment section and choose your preferred payment method.

  8. After successful payment, you will receive a confirmation of your policy renewal via email and SMS.

You can also go to the National Insurance Company branch near you and visit them in person. A representative can assist you with the renewal process, collect your premium payment, and provide you with the renewed policy documents.

National Health Insurance Claim Process

The National Health Insurance (NHI) claim process is simple and quick. Here are the steps involved in the “National Health Insurance Company” claim process:

Cashless Hospitalization

  • Intimate the National Insurance Company about the hospitalization.
  • Visit any National Insurance Company network hospital for treatment.
  • National Insurance will verify whether the chosen hospital is part of its cashless network.
  • The hospital will submit the required documents (medical reports, bills, etc.) to National Health Insurance for claim processing.
  • National Insurance will settle the bill directly with the hospital once the claim is approved.

Reimbursement Claim

  • Inform National Health Insurance about your hospitalization to the TPA within 72 hours.
  • You must submit all claim-related documents within 15 days of discharge to file a reimbursement claim.
  • After reviewing the submitted documents, the National Health Insurance company will approve the claim.
  • Then, the National Insurance Company will release the reimbursement claim amount in a few days.

Documents Required for Filing National Insurance Company Claim

Below are the documents that you need to submit while filing a National Insurance Company reimbursement claim:

  • Medical practitioner's referral letter
  • Valid identity proof
  • Duly filled and signed claim form
  • Medical practitioner's prescription
  • Original bills, receipts, and discharge cards
  • Original pathological/diagnostic tests reports/radiology reports
  • Payment receipts
  • Indoor case papers
  • Original bills from pharmacy/chemists
  • Post-mortem report (If Required)
  • First Information Report (If Required)
  • Final Police Report (If Required)
  • Any other document as required by the company to assess the claim

National Insurance Company Contact Details

Here are the contact details for National Insurance Company:

Address: National Insurance Company Ltd., 3, Middleton Street, Prafulla Chandra Sen Sarani, Kolkata, West Bengal, 700071
Toll-Free Number: 033-22831705
Email ID:
Fax no: 22831740