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  • National Health Insurance

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    National Insurance Company Limited (NICL) is a fully central government owned general insurance company based in India. The company headquartered at Kolkata was established in 1906 and nationalised in 1972. NIC's gross direct premium income has steadily grown to about INR9000 crores rupees in the financial year 2012-13.

    National Insurance Company Limited (NICL) is one of the oldest general insurance companies in India, offering customised health insurance plans and comprehensive health covers. From individual health insurance policies and family floater plans to senior citizen plans and group mediclaim policies, NICL offers a wide range of health insurance products to satisfy the varying needs of the customers.

    The insurance cover can be enhanced by attaching an add-on like critical illness cover. The premium paid towards a National Health Insurance plan is eligible for tax deduction under Section 80D of the Income Tax Act, 1961.


    National Health Insurance at a Glance

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    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 6 family members*

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 30 days before your hospitalization and 60 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    Health check up expenses will be reimbursed once at the end of a block of 4 continuous claim free policy years, upto a maximum of 1% of the average sum insured of the block.

    * For a family health cover product.

    Critical Factors of the Plan

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    Not a paisa goes from your own pocket!

    Co-Pay

    No-copay, Insured may also opt for 2% co-payment which will entitle him for a premium discount of 10%.

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 4 year

    Hospital room rent determines your treatment bill

    Room Rent

    Room, boarding & nursing expenses upto 1% of the sum insured per day& 2% of sum insured per day for ICU. subject to an overall limit of 25% of the sum insured

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of National Health Insurance

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    Good health offers multiple rewards

    Discount of 10% will be allowed on the total premium if policy is bought for family comprising the insured

    The world is your healthcare oyster

    Cashless facility available in over 6000+ hospitals across India.

    So you have time to focus on more important stuff

    Cumulative bonus @5% of sum insured for each claim free policy year

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    National Insurance Company Highlights Updated on 21 Nov 2017

    Features Specifications
    Network Hospitals 6000+
    Waiting Period for Pre-existing Disease 4 years
    Incurred Claims Ratio 110.40%
    Number of Policies Issued 1749331
    Grievances Solved 96.48%
    Renewability Lifetime

    *For Year 2015-2016

    Overview of National Health Insurance:

    National Health Insurance Plans

    National Insurance Company (NIC) is the oldest domestic general insurance provider in India. Formed 107 years ago in 1906, this company has established a stronghold in the northern and eastern parts of India through several pioneering efforts.

    NIC was responsible for creating flexible general insurance products, tailoring them to meet customers’ personalised requirements. Although it is commonplace today for insurers to reach out to customers through bancassurance relationships and tie-ups with auto dealers and other major players, NIC was the first to explore this idea of maximising penetration through partnerships of strategic importance.

    NIC has about 1,340 offices all over India with operations in Nepal as well. It reaches new territories through its growing business network of 373 centres. Its clientele includes both retail as well large industrial customers.

    The company has made social and economic inclusion one of its priorities. It strives to extend the reach of the general insurance industry to areas that are not greatly exposed to insurance as a product or form of financial discipline. It accomplishes this through the use of technology which helps it cross physical boundaries and reach people in need of affordable healthcare.

    As part of its product bouquet, National Insurance Company offers health insurance solutions to fulfill the financial protection needs of both individuals and their families. On offer in this category are the following policies:

    1. National Insurance Mediclaim Policy
    2. National Insurance Mediclaim Plus Policy
    3. National Insurance Parivar Mediclaim Policy
    4. Varistha Mediclaim Policy for Senior Citizens
    5. National Insurance Critical Illness Policy
    6. National Insurance Individual Personal Accident Policy
    7. National Insurance Janata Personal Accident Policy

    The various facets of each of these health insurance plans are elucidated below:

    National Insurance Mediclaim Policy:

    Eligibility Entry age 18 years to 65 years. Children between 3 months and 18 years (at least one parent has to be covered under this plan). (sons above 18 years are considered dependents till the age of 25, if still a student; daughters are considered dependents until marriage).
    Eligibility Max. Renewability Age No Limits
    Eligibility Medical Screening Not required for persons up to 50 years. Required for persons over 50 years (not applicable to those switching over from another general/health insurer). Reimbursement of screening costs - 50% when proposer qualifies as a client.
    Cover Sum Assured Rs.50,000 to Rs.5 lakhs (in increments of Rs.25,000).
    Cover Basis Individual or Family Floater. (Family includes the proposer, his/her spouse and dependent children and dependent parents)
    Cover Events
    • Inpatient hospitalisation (minimum 24 hours).
    • Up to 25% of sum assured for room expenses, which includes nursing charges - Up to 25% of sum assured for doctor’s fees.
    • Up to 50% of sum assured for anaesthesia, blood, oxygen, OT charges, surgical equipment, medicines, drugs, diagnostic equipment, pacemaker, prosthesis, implants, stents, dialysis, chemo/radiotherapy, donor hospitalisation expenses
    • Up to 1% of sum assured or Rs.2,000, whichever is lower for ambulance costs - Up to 20% of sum assured for Ayurvedic and Homeopathic treatment.
    • Over 140 day care procedures.
    • Up to 30 days of pre-hospitalisation expenses.
    • Up to 60 days of post-hospitalisation expenses.
    • Pre-existing diseases (waiting period - 4 years).
    • Accidental injuries (no waiting period).
    Costs Premiums Family Premium Discount Rs.856 to Rs.40,124 (depends on age and chosen sum assured). 10% for covering an additional family member.
    Benefits No-Claim Bonus Claims Claim updates Health Checks Emergency Assistance Hospital Network Tax Deduction 5% increment in sum assured for every claim-free year upon successive renewals (up to 50%). Cashless and Reimbursement facilities. SMS alerts. After every 4 successive claim-free years, up to 1% of the basic sum assured. 24 hours TPA customer support. 6,000 plus, in over 1,500 areas. As per provisions U/S 80D of the Income Tax Act.
    Terms Portability Free Look Period Tax Allowed. 15 days from policy receipt for cancellation with premium refund (adjusted). Service tax and TPA charges apply.
    Exclusions Ailments/Procedures/Treat-ments STDs including HIV and related diseases, General enervation, Maternity, Obesity, Psychiatric and related ailments, Genetic disorders, Unnecessary vaccinations, Cosmetic/sex change surgeries, Lipid Profiling, Blood Sugar, Serum Creatinine, Urine Tests, Microscopic Exams, ECGs, Eye checkups and retinoscopy, Treatment by unqualified doctors.

    National Insurance Mediclaim Plus Policy:

    Eligibility Entry age 18 years to 65 years. Children between 3 months and 18 years.
    Eligibility Max. Renewability Age No Limits
    Cover Sum Assured Plan A - Rs.2 to 10 lakhs (increments of Rs.1 lakh); Plan B - Rs.15 to 20 lakhs (increments of Rs.5 lakhs); Plan C - Rs.30 to 50 lakhs (increments of Rs.10 lakhs)
    Cover Events
    • Inpatient hospitalisation.
    • Room charges: Up to 1% of sum assured (Plan A), Up to Rs.15,000 (plan B) and Up to Rs.20,000 (Plan C).
    • ICU charges: Lower of 2% of sum assured or Rs.15,000 (Plan A), Up to Rs.15,000 (Plan B), Up to Rs.20,000 (Plan C).
    • Cataract Surgery: Lower of 15% of sum assured or Rs.60,000 (Plan A), Up to Rs.80,000 (Plan B), Up to Rs.1 lakh (Plan C).
    • Maternity Delivery Expenses: Up to Rs.30,000/Rs.50,000 normal/c-sec (Plan A), Up to Rs.60,000/Rs.70,000 normal/c-sec (Plan B), Up to Rs.80,000/Rs.1 lakh normal/c-sec (Plan C).
    • Maternity hospitalisation costs including pre and post-natal expenses: Up to 2 deliveries/terminations for life time of insured member/spouse subject to waiting period of 2 years.
    • Newborn Expenses.
    • Cash Allowance for up to 5 days of hospitalisation: Rs.500 (Plan A), Rs.800 (Plan B), Rs.1,000 (Plan C).
    • Donor hospitalisation expenses.
    • Ambulance costs: Up to Rs.2,500 (Plan A), Up to Rs.4,000 (Plan B), Up to Rs.5,000 (Plan C).
    • Air Ambulance charges covered under Plans B and C up to 5% of sum assured.
    • Medical emergency reunion covered under Plans B and C up to Rs.20,000 - Post- hospitalisation allowance up to 10 days (includes doctor visits and nursing charges): Up to Rs.750 (Plan B) and Up to Rs.1,000 (Plan C)
    • Vaccinations for children under 12 years: Up to Rs.1,000.
    • One Second Medical Opinion for each illness.
    • Up to 100% of sum assured for Ayurvedic and Homeopathic treatment.
    • Over 140 day care procedures.
    • Up to 30 days of pre-hospitalisation expenses.
    • Up to 60 days of post-hospitalisation expenses.
    • Pre-existing diseases (waiting period - 3 years).
    • Add-on covers: Critical Illness sum assured from Rs.2 to 25 lakhs and Outpatient Treatment sum assured from Rs.2,000 to 10,000.
    Benefits No-Claim Bonus Co-payments Health Checks 5% increment in sum assured for every claim-free year, upon successive renewals (limited to 50%). SMS alerts. 20% of admissible claim (non-network hospital). Every 2 years: Up to Rs.1,000 (Plan A), Up to Rs.2,000 (Plan B), Up to Rs.3,000 (Plan C).
    Exclusions Ailments/Procedures/Treat-ments STDs including HIV and related diseases, General enervation, Obesity, Genetic disorders, Cosmetic/sex change surgeries, Naturopathy, Unscientific Treatment, Abuse of intoxicants, Spectacles, Contact Lens, Hearing Aids, Cochlear Implants

    National Insurance Parivar Mediclaim Policy:

      Floater Basis for protection of the proposer’s entire family against hospitalisation costs on account of ailments/accidental injuries
    Eligibility Entry age 18 years to 60 years. Children between 3 months and 25 years
    Eligibility Max. Renewability Age 65 years.
    Cover Sum Assured Rs.2 lakhs to Rs.5 lakhs (in increments of Rs.50,000). Payout for each illness is subject to a limit of 50% of the chosen sum assured.
    Cover Basis Family Floater. (Family includes the proposer, his/her spouse and dependent children).
    Cover Events
    • Inpatient hospitalisation (minimum 24 hours).
    • Up to 1% of sum assured per day for room expenses including nursing and RMO charges.
    • Up to 2% of sum assured per day for ICU costs.
    • Costs pertaining to Surgeons, Anaesthetists, Doctor’s, Consultants, Specialists, Nurses, Anaesthesia, Blood, Oxygen, OT, Surgical Equipment, Medicines, Drugs, Diagnostic Equipment, X-Ray, Dialysis, Chemo/Radiotherapy, Pacemaker, Prosthesis, Organs and related costs.
    • Diabetes: Waiver of waiting period on payment of additional premium.
    • Up to 15 days of Pre-hospitalisation expenses.
    • Up to 30 days of post-hospitalisation expenses.
    Exclusions Ailments/Procedures/Treat-ments
    • Waiting period for pre-existing conditions: 4 years from start of policy, if the condition was covered under a prior policy; 4 claim-free years from start of policy, if the condition was not covered under a prior policy.
    • Policy is effective only 30 days after inception i.e. no claims will be admitted during this period.
    • Waiting period for specific diseases: 2 years.
    • Congential ailments, STDs including HIV and related ailments, Self-inflicted injuries, Abuse of intoxicants, Convalescence, Dental treatment, Complications/ailments resulting from pregnancy/delivery.
    • Unnecessary diagnostic, lab exams.
    • Non-allopathic treatment.
    • Terrorism, War and related acts.

    Varistha Mediclaim Policy for Senior Citizens:

    Eligibility Entry age 60 yrs. to 80 yrs.
    Eligibility Max. Renewability Age 90 yrs. (premium loading applies)
    Eligibility Medical screening Not required for those previously covered by a health insurance plan in the 3 yrs. preceding application
    Cover Sum Assured Hospitalisation Cover - Rs.1 lakh; Critical Illness Cover - Rs.2 lakhs
    Cover Basis Fixed sum assured per individual covered
    Cover Events Inpatient hospitalisation expenses:
    • Room costs: Up to 1% of the chosen sum assured and ICU costs: Up to 2% of the chosen sum assured; both limited to 25% of the chosen sum assured per hospitalisation (sub-limits not applicable for certain procedures at preferred provider network hospitals; Domiciliary hospitalisation up to 20% of the chosen sum assured)
    • Fees payable to surgeons, anaesthetists, doctors.,consultants or specialists: Up to 25% of the chosen sum assured per hospitalisation
    • Anaesthesia, oxygen, medicines, blood, disposable surgical equipment, consumables, prosthesis (pacemakers, artificial limbs, stents etc.), costs pertaining to use of operation theatres/X-rays, cost of treatments like chemotherapy, dialysis, radiation: Up to 50% of the chosen sum assured per hospitalisation
    • Ambulance costs: Rs.1,000 per hospitalisation per policy period
    • Diabetes/Hypertension: On payment of additional premium
    Critical Illness Cover (Optional):
    • Coronary Artery Surgery, Cancer, Kidney Failure, Stroke, MS, Organ Transplant (major organs), Paralysis (additional premium payable), Blindness (additional premium payable)
    Exclusions
    • Waiting period of 1 year for pre-existing diseases - Dental treatment - Cosmetic treatment - Pregnancy, childbirth - General debility - Congenital defects - Self-injury - Injuries of war, nuclear activity etc. - Vaccinations

    National Insurance Critical Illness Policy:

      Sum assured is paid-out in a lumpsum upon diagnosis of specified critical illnesses
    Eligibility Entry age 20 yrs. to 60 yrs.
    Eligibility Max. Renewability Age 65 yrs.
    Cover Sum Assured Rs.5 lakhs, Rs.10 lakhs, Rs.20 lakhs, Rs.25 lakhs
    Cover Events Sum assured payable on diagnosis of the following specified illnesses, subject to survival for 30 days post-diagnosis:
    • Coronary Artery Surgery: Capped at 20% of the chosen sum assured
    • Cancer, Kidney Failure, Stroke, MS, Major Organ Transplant
    Exclusions 90 day waiting period

    National Insurance Individual Personal Accident Policy:

      Covers accidental death and Disability
    Eligibility Entry age 5 yrs. to 70 yrs.
    Eligibility Medical Screening Not required
    Cover Sum Assured Cumulative Bonus for every claim-free year under Comprehensive Cover: 5% increase in sum assured, limited to 50%
    Cover Premium Discounts 10% discount for Family Package cover Discounts on Group Policies
    Cover Events
    • Accidental Death, Permanent Total Disablement, Permanent Partial Disablement and Temporary Total Disablement: Choice of only death cover or comprehensive coverage
    • Accidental Hospitalisation Expenses and Daily Allowance for Accidental Hospitalisation (optional)
    • Global coverage
    Exclusions Self - injury, suicide, insanity, injury as a result of intoxication or criminal activity

    National Insurance Janata Personal Accident Policy:

      Covers accidental death and Disability
    Eligibility Entry age 5 yrs. to 70 yrs.
    Eligibility Medical Screening Not required
    Cover Policy Term Up to 5 yrs.
    Cover Sum Assured Rs.25,000 to Rs.1 lakh (in increments of Rs.25,000), per person, p.a.
    Cover Premium Rs.15 per Rs.25,000
    Cover Premium Discounts Discounts on Group Policies, based on group size
    Cover Events
    • Death, Loss of sight or loss of two limbs or loss of sight in one eye and loss of one limb, Permanent Total Disablement: 100% of the chosen sum assured
    • Loss of one limb or loss of of sight in one eye: 50% of the chosen sum assured
    Exclusions Self - injury, suicide, insanity, injury as a result of intoxication or criminal activity

    How to File a Health Insurance Claim with National Insurance?

    Policyholders can file 2 types of claims with National Insurance Company Limited:

    • Cashless Claim: In the case of planned hospitalisation, intimate the insurer at least 72 hours prior to admission and in the case of emergency hospitalisation, intimate the insurer within 24 hours of admission at a network hospital of National Insurance. A pre-authorisation request has to be approved by the TPA in order to avail cashless facility at a network hospital. The TPA reserves the right to approve or deny the request.
    • Reimbursement Claim: In the case of planned hospitalisation, intimate the insurer at least 72 hours prior to admission and in the case of emergency hospitalisation, intimate the insurer within 72 hours of admission. Within 15 days from of discharge from the hospital, the insured member has to submit a duly-filled claim form along with the original medical documents to the TPA or the insurer in order to make a reimbursement claim. The claim will be approved or rejected as per the policy terms and conditions.

    How to Take a National Health Insurance Policy?

    Contact the nearest branch office of NICL, collect the relevant proposal form from an authorised agent, fill the form and submit it to the agent. In some case, a surveyor will be appointed by the company to estimate the risk factor of your health condition. Premium estimate of your chosen policy can be calculated using the online premium calculator or checking in with your agent. Policy documents will be issued directly or through registered post.

    National Health Insurance Mediclaim Premium Calculator:

    The insurer's website will have an online premium calculator where you can get an instant quote on your chosen insurance policy for free. All you have to do is choose a policy from the drop-down box, enter your personal details such as date of birth, city, email ID, and phone number, then enter the sum insured, and click on 'Calculate Premium'. The gross premium amount including tax will be displayed on the screen.

    National Health Insurance Mediclaim Policy Renewal:

    To renew National Health Insurance Mediclaim Policy, visit the company website, enter your policy number and email ID, click on 'Proceed', enter your policy details, contact details, and confirm the provided details. Your renewal notice will be displayed on the screen with the renewal premium amount to be paid.

    Online Payment National Health Insurance Mediclaim Policy:

    National health insurance policies are available on the company website for purchase. The insurance cover can be between Rs.1 lakh to Rs.5 lakhs. Individual and Parivar Mediclaim policies are available online. The individual mediclaim policy is available for people up to 50 years of age and a sum insured of up to Rs.5 lakh. Online premium payment can be made via the NICL portal using net banking, credit card or debit card.

    National Health Insurance FAQs:

    1. Can this policy by National Insurance cover the whole family?

      Yes. Family members can be covered for up to a maximum of the sum assured to policy owner.

    2. How much insurance does an individual need?

      It depends on a number of factors like age, income, lifestyle etc. This insurance from National Health is for a maximum of Rs.5 lakhs.

    3. What is meant by portability?

      Portability refers to transfer of policy from one insurance provider to another along with credit gained and family cover, if applicable.

    4. What is a waiver?

      The time period for furnishing claim related proof may be waived in case the insurance company deems necessary.

    5. Is there a free-look period for these health insurance policies by National Insurance?

      Yes. A free-look period of 15 days from the date of availing the policy is provided to customers. Within this period the customers are expected to go through each and every clause and return the policy in case they do not accept one or more of the clauses. A refund is then generated for the insured person.

    6. What is cashless facility?

      Once you are insured, you will be given a “Health Card” that would help you avail services of a partner hospital, without having to give any cash. This is known as cashless facility.

    7. Can a person already suffering from some disease avail this scheme?

      Yes. In this case, you will need to submit relevant documents indicating the current disease. Any medical expense made towards this disease will be exempt from insurance coverage.

    8. How is Health Insurance different from Life Insurance?

      Life Insurance protects your loved ones in case of your untimely death and the pay-out is made only when the policy holder dies. Health Insurance is required to make payments related to health issues and sicknesses that you may face. There is no payment to be made at maturity and Health Insurance generally, needs to be renewed every year.

    9. Do I need Health Insurance if I am young and Healthy?

      Yes. No one knows when a medical urgency may arise. Health Insurance keeps you protected in case of sudden injury due to accident as well as against a host of serious sicknesses. Also, Health Insurance takes care of hefty expenses that are made in case a sudden serious medical emergency strikes.

    10. I have a Health Insurance scheme from my Employer, do I still need a personal Health Insurance policy?

      A private policy in addition to the one offered by your employer is advisable since policies offered by employers are generally group insurance schemes which are non-transferrable and hence may create an issue in case you wish to switch your job. An individual health insurance policy is thus, always recommended.

    11. Is there tax benefit on Health Insurance schemes?

      Yes. Tax exemption is available under section 80D of the Income Tax Act.

    12. What is the maximum and minimum policy duration?

      Most policies come for a whole year after which they are to be renewed. However, certain policies also offer two years renewal period.

    13. Are diagnostic charges covered in Health Insurance?

      Yes. Diagnostic tests like MRI, CT-Scan etc. are covered under the medical insurance schemes.

    14. Are homeopathy and naturopathy covered in National Health Insurance?

      No. These treatments are not covered under a standard policy.

    15. How does National Health Insurance work?

      Individual health insurance plans are for people between 18 to 70 years of age. Family floater plans cover self, spouse, children, and dependent parents. You can opt for cashless treatments at the network hospital of NICL across the country. Maternity expenses are covered after a 1-year waiting period for the first 2 children. Pre-policy medical tests are not required for National Insurance Mediclaim policies. There is a 2-year waiting period for pre-existing disease cover. Co-pay is applicable only after reaching 60 years of age.

    16. How much is National Health Insurance?

      The cost of a health insurance policy offered by NICL is based on the premium amount. The insurance premium is calculated depending on the insured member’s age, health condition, place of residence, lifestyle habits, chosen sum insured, etc. The premium can be higher or lower based on whether you opt for co-pay and deductibles.

    17. How to pay a premium? What are the modes of payment available?

      Health insurance premium can be paid via online payment using netbanking, debit or credit card and cash payment at the nearest branch office. For online payment, visit the company website.

    18. How can I check policy status for National Health Insurance?

      In order to check the status of your National Health Insurance policy, log in to the company website with valid credentials and enter the policy number.

    19. What is the policy renewal process for National Health Insurance?

      Pay the renewal premium of your health insurance policy online through the company website. Register or log in to the website with your policy number and date of birth, select your prefered payment option (netbanking, debit card or credit card), and save the premium payment receipt.

    20. What is the company’s process to settle claim for National Health Insurance?

      Download the claim form from the company website, fill it, attach supporting documents of your claim, and submit it at the nearest branch office for approval.

    21. What is the policy cancellation process for National Health Insurance?

      During the free-look period, if you object to the terms and conditions of your health insurance policy, you can return it to the insurer. Premium refund will be done with certain deductions like stamp duty charges. During the policy period, you can submit a duly-filled surrender form along with your policy documents at the nearest branch office to cancel your health insurance policy.

    Examples of Network Hospitals in Major Cities:

    CITY NAME OF HOSPITAL
    Mumbai Lilavati Hospital
    New Delhi Apollo Hospital
    KOLKATA Fortis Hospital
    BANGALORE Ramakrishna Hospital
    CHENNAI Deepam Eye Hospital

    News About National Health Insurance

    • National Insurance Company to offer shares

      With an eye on strategic diversification, National Insurance Company (NIC) is likely to go public soon, with the government formulating policies for the same. Lack of capital is the main reason for NIC, which is currently owned by the government to consider this move. Shares will be sold either through an Initial Public Offer or divestment, with the process expected to be completed in the current financial year.

      The performance of NIC has come under the scanner, with losses reported by the company, primarily in the health and motor segments. Profits of the company were limited to investments of premiums, with this new move likely to provide it a much needed impetus.

      31st May 2016

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    National Health Insurance Reviews

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    • National Insurance Health Insurance
      "Good insurance policy"
      0.5 3.0/5 "Satisfactory"
      I hold a health insurance policy with National Insurance from last 3 years. This health insurance policy has to be renewed every year in order to continue. I did not have any claim experience so far and i have not taken any cashless treatments. I pay a premium of Rs 16000 on annual basis. I did not face any issues with making payment for this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 21, 2017
    • National Insurance Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have never used their service till now but the service from national insurance for my health insurance service was good the benefits are good also they provide me with good insurance offers and the documents part was also good it was a good experience with national insurance for my health insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 21, 2017
    • National Insurance Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance service with NATIONAL INSURANCE it was a great experience with NATIONAL INSURANCE the customer service was good I am paying yearly 10k the benefits is for the whole family for five lakhs also they provide good health benefits offers it was a good experience with NATIONAL INSURANCE service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 20, 2017
    • National Insurance Health Insurance
      "Good policy to hold"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with National Insurance company. I have this insurance policy for the past 3.5 years and it's still active policy. My company pays for this health insurance policy and this policy covers me and my family members. So far I have no claim experience.
      Was this review helpful? 0
      , faridabad
      Reviewed on Nov 17, 2017
    • National Insurance Health Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance with National Insurance.The policy is running for past seventeen years.The premium amount is 15,000 paid annually through cheque.I get a policy coverage up to 2 lakhs per head as its a family package.Customer service is good to approach.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 11, 2017
    • National Insurance Health Insurance
      "Very good health Insurance policy"
      0.5 5.0/5 "Blown Away!"
      Having the Health Insurance policy with National insurance for more than 6years. The customer support is good with national insurance , They give immediate response to the customer . I got the claim amount within 3 to 4 hours of time from national insurance. This policy covers 4memebrs including my parents. I pay Rs,5000 to renew the policy every year.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 10, 2017
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I am holding National health insurance from last 2 years. The premium amount of Rs 3300 has to be paid every year through cheque. They provide door step service to collect the cheque. I have not experienced cashless treatment so far. The customer service was good and they were very helpful.
      Was this review helpful? 0
      , vapi
      Reviewed on Nov 06, 2017
    • National Insurance Health Insurance
      "Good benefits "
      0.5 5.0/5 "Blown Away!"
      It is a corporate health insurance from National insurance and. My premium gets deducted from my salary. The medical coverage is good and the specialty is that there is a large net work of hospitals and there are other benefits as well. The services are also good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 06, 2017
    • National Insurance Health Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I got health insurance policy with national insurance for past 3 years. The service is very good with national insurance. This policy covers 3 members which is myself ,my spouse and my child. This policy has the coverage up to 5lakhs. The cashless treatment option is good with this policy . I paid Rs, 4700 to renew the policy last year.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 31, 2017
    • National Insurance Health Insurance
      "Useful and they readily help"
      0.5 5.0/5 "Blown Away!"
      This is my company provided Health Insurance, and felt the Insurance to be very useful. I have been given a coverage of Rs.2 Lakhs per annum. The number of Hospitals in this Insurance is quite large. Also I have used Cashless option twice for my use, and both the time they readily accepted my case.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 30, 2017
    • National Insurance Health Insurance
      "Good Policy to hold"
      0.5 4.0/5 "Great!"
      I have my health insurance policy with National Insurance. I have this health insurance since last 5 years. My company is paying for this health insurance. This covers me and my wife and my kids. The total coverage limit for me per year is 2 lakhs. Last time I claimed for wife's delivery and received the reimbursement within 1 month.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 29, 2017
    • National Insurance Health Insurance
      "Does what they promise"
      0.5 3.5/5 "Pretty good"
      I have Corporate tied up Health Insurance with this company. They have very decent policy, wherein you get good coverage to oneself and to your family. They provide with good claim record and very easy to apply for too. They have good cashless options too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 28, 2017
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I got the medical coverage of Rs.1,50,000 towards the national health insurance policy. I got this policy recently. I paid Rs.4000 to get this policy . The customer support is good with this national insurance, This policy covers more than 3members. I am satisfied using the national health insurance policy.
      Was this review helpful? 0
      , nellore
      Reviewed on Oct 26, 2017
    • National Insurance Health Insurance
      "Good service"
      0.5 3.5/5 "Pretty good"
      My company has provided me a health insurance policy with National insurance. I got this policy for past 3 years. This policy covers Rs,20lakhs and this policy covers 4 members , which is myself , my spouse and my parents. The benefits and the medical coverage with this policy .,
      Was this review helpful? 0
      , amritsar
      Reviewed on Oct 25, 2017
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 3.0/5 "Satisfactory"
      Got the Health Insurance policy with National insurance for past 7 years. The customer support is good with this policy. This policy has been provided by my company. This policy covers 4 members which is myself , my spouse and my parents. This policy has the medical coverage of Rs.4lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 24, 2017
    • National Insurance Health Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      Holding the National insurance policy for more than year. This policy is given by my companion. This policy just covers myself. I am not sure about the renewal amount. The customer service is good with National insurance . The cashless treatment option and the medical coverage is good with this policy.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 12, 2017
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 4.5/5 "Excellent!"
      The health Insurance is been issued by national loan insurance around 2 years ago. This policy covers 3mebers , which is myself and my parents. This policy has the coverage up to 8laksh, which is 3laksh for my parents and 5lakhs for myself. I had a claim experience with this policy, they just 12hours to payback the claim by national insurance.it is very good policy to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 11, 2017
    • National Insurance Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      It is a corporate insurance service and I got this insurance service from my office so if I have any queries regarding that it will be taken care from my office also I use to get good offers from them and there is no queries during the documentation part ,I can say the overall service is average from National insurance.
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      , mumbai
      Reviewed on Oct 10, 2017
    • National Insurance Health Insurance
      "Average policy to use"
      0.5 4.0/5 "Great!"
      I use the Health insurance policy with national insurance for past 4years. This policy covers around 4 to 5members. This policy covers more than 2lakhs. The cashless treatment options are also available with this policy. I never had any claim experience with this policy.
      Was this review helpful? 0
      , jammu
      Reviewed on Oct 10, 2017
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Having the Health Insurance policy with national insurance for past 5 years. This policy covers 5members, which is myself and my spouse and my 3 children. The customer service and the response part is very good with this policy. This policy covers up to 5lakhs. I paid Rs,7800 to renew the policy last year.
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      , bangalore
      Reviewed on Oct 09, 2017
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