National Health Insurance

National Health Insurance is offered by National Insurance Company Limited (NICL), one of India's oldest general insurance companies and a wholly owned Government of India undertaking under the Ministry of Finance. The insurer offers a broad range of health insurance solutions for individuals, families, senior citizens, students, critical illness protection, and super top-up coverage. With plans catering to different healthcare needs and budgets, National Health Insurance enables policyholders to access quality medical treatment through an extensive cashless hospital network while also offering convenient digital services for policy purchase, renewal, and claims.

National Insurance offers multiple health insurance plans designed for different age groups and healthcare requirements. Each plan comes with its own coverage options, eligibility criteria, and optional benefits.

National Health Insurance combines government-backed reliability with a diverse range of health insurance products designed for different customer segments. Here are some of the key features offered across its health insurance portfolio.

• 5,322+ Cashless Network Hospitals: Access cashless treatment across an extensive network of hospitals in India.

• Coverage up to ₹50 Lakh: Available under selected health insurance plans such as National Mediclaim Plus Policy.

• Government-Owned Insurer: Offered by National Insurance Company Limited, a wholly owned Government of India undertaking under the Ministry of Finance.

• Plans for Every Need: Choose from individual, family floater, senior citizen, student, critical illness, hospital cash, and super top-up plans.

• Preventive Health Check-ups: Available under eligible plans after specified claim-free years.

• Coverage for Modern Treatments: Selected plans cover mental illness, HIV/AIDS, genetic disorders, AYUSH treatment, and adventure sports-related hospitalisation.

• Cumulative Bonus & Restoration Benefits: Eligible plans reward claim-free years with cumulative bonus and restore the sum insured when exhausted.

• Optional Add-on Covers: Enhance your policy with benefits such as home care treatment, non-medical expense cover, and waiver of waiting period for diabetes and hypertension under eligible plans.

• Tax Benefits: Premiums paid for eligible policies qualify for tax deductions under Section 80D of the Income Tax Act. NIMA Mobile App: Buy, renew, download policies, register claims, and track policy details through the insurer's mobile application.

Coverage varies depending on the National Health Insurance plan selected. However, most comprehensive policies include the following benefits:

Inclusions

• In-patient hospitalisation expenses

• Pre-hospitalisation expenses

• Post-hospitalisation expenses

• Day care procedures

• ICU charges and nursing expenses

• Room rent and doctor's consultation fees (as per policy terms)

• Emergency ambulance charges

• AYUSH treatment

• Mental healthcare

• Maternity expenses under eligible plans

• Organ donor expenses under selected plans

• Home healthcare and domiciliary treatment under eligible plans

• HIV/AIDS and genetic disorder treatment under selected plans

• Coverage for adventure sports under eligible plans

• Preventive health check-ups

• Cumulative bonus and restoration benefits under eligible plans

Like most health insurance policies, National Health Insurance does not cover certain treatments and situations. The exact exclusions vary depending on the policy selected.

Exclusions

• Pre-existing diseases during the applicable waiting period

• Specified illnesses during the waiting period

• Cosmetic or aesthetic procedures unless medically necessary

• Self-inflicted injuries or attempted suicide

• Treatment arising from alcohol or drug abuse

• Experimental or unproven treatments

• Non-medical expenses unless covered under an add-on

• Dental treatment unless necessitated by an accident

• Infertility or assisted reproduction treatments unless specifically covered

• Treatment arising from war, nuclear risks, or unlawful activities

• Expenses specifically excluded under the selected policy wording

Note: Coverage, exclusions, waiting periods, and optional benefits may differ across National Health Insurance plans. Refer to the policy wording of your chosen plan for complete details before purchasing or making a claim.

National Insurance offers optional add-ons with selected health insurance plans to help policyholders enhance their coverage based on individual healthcare needs.

• National Home Care Treatment Add-on:

Covers eligible medical treatment received at home when hospitalisation is not required or is medically advised.

• Non-Medical Expenses Add-on:

Covers eligible non-payable medical consumables and expenses that are generally excluded under a standard health insurance policy.

• Waiver of Waiting Period for Diabetes & Hypertension:

Available as an optional benefit under National Young India Mediclaim Plus Policy.

• Double Sum Insured for 11 Critical Illnesses:

Offers enhanced financial protection against specified critical illnesses under eligible plans.

• Personal Accident Cover:

Available with selected plans to provide financial protection against accidental death or disability.

Buying a National Health Insurance policy through Coverfox is quick and convenient. You can compare plans, customise your coverage, and complete the purchase entirely online.

Step 1: Enter Your Details

Provide your age, city, and the details of the family members you want to insure.

Step 2: Compare Plans

Compare the available National Health Insurance plans based on coverage, sum insured, benefits, premiums, and optional add-ons.

Step 3: Choose Your Coverage

Select the plan, policy tenure, sum insured, and add-on covers that best suit your healthcare needs.

Step 4: Complete the Proposal Form

Fill in your personal, nominee, and medical details and complete the KYC requirements, if applicable.

Step 5: Make the Payment

Pay the premium securely through Coverfox using your preferred payment method.

Step 6: Receive Your Policy

Once your proposal is approved, your policy will be issued digitally and shared with you via email.

Need help? Coverfox expert will contact you to assist in your health insurance buying journey.

• Government-Owned Insurer:

Backed by the Government of India, National Insurance Company Limited has been serving policyholders for over a century.

• Plans for Every Stage of Life:

Choose from individual, family floater, senior citizen, student, critical illness, hospital cash, and super top-up plans.

• Flexible Coverage Options:

Select plans include benefits such as maternity cover, mental healthcare, AYUSH treatment, HIV/AIDS cover, genetic disorder treatment, and adventure sports coverage.

• Customisable Protection:

Enhance your policy with optional covers like Home Care Treatment, Non-Medical Expenses, and waiting period waiver for diabetes and hypertension under eligible plans.

• Convenient Digital Services:

Buy, renew, download policies, register claims, and track policy details through the NIMA mobile app and online portal.

National Health Insurance provides access to 5,322+ cashless network hospitals across India, allowing policyholders to receive cashless treatment for eligible medical expenses. During cashless hospitalisation, the approved claim amount is settled directly between the insurer and the hospital, reducing the need for upfront payments, subject to the policy terms.

How to Find National Health Insurance Network Hospitals?

1. Visit Coverfox and open the Network Hospitals section.

2. Select National Insurance from the list of insurers.

3. Enter your State and City.

4. Browse the list of network hospitals available in your location.

5. Choose a hospital to avail cashless treatment under your policy.

National Insurance offers multiple support channels for policy purchase, renewals, claims, policy servicing, and grievance redressal.

• Toll-Free Customer Care: 1800 345 0330

• Email Support: customer.support@nic.co.in

• Customer Portal: Download policies, register claims, track claims, update contact details, verify policies, and submit grievances online.

• NIMA Mobile App: Buy and renew policies, register claims, track claim status, and manage policy details from your smartphone.

• Registered & Head Office: Premises No. 18-0374, Plot No. CBD-81, New Town, Kolkata – 700156.

• Telephone: 033-22022100