National Health Insurance
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86.3%
Claim Settlement Ratio
3,700+
Network Hospitals
5.8
Overall Rating
National Health Insurance
Our Verdict About National Health Insurance
National Health Insurance, backed by the Government of India, focuses on essential protection with simple claim processes and wide hospital access.
What We Like
Family coverage options under multiple health plans.
Simple claim process with reliable settlement.
3,700+ network hospitals offering cashless treatment.
Affordable premiums suitable for all income groups.
Government-backed insurer ensuring trust and stability.
Areas of Improvement
Product information can be less transparent online.
The claim process may involve more documentation.
Few high-end add-ons or global coverage options.
Smaller hospital network versus newer private players.
Limited digital and online support compared to private insurers.
Final Verdict
National Health Insurance is a simple and reliable option for you backed by the government. It makes healthcare easy for everyone at affordable prices. Claims are settled smoothly without long delays. It provides safety for families in tough times by giving a wide coverage and 3700 plus network hospitals. Overall,...
National Health Insurance is a simple and reliable option for you backed by the government. It makes healthcare easy for everyone at affordable prices. Claims are settled smoothly without long delays. It provides safety for...
National Health Insurance
About National Health Insurance
Established on December 5, 1906, in Kolkata, NICL is India's oldest general insurance company. Founded by Gordhandas Dutia and Jeevandas Dutia, it was created to fulfill the nationalist aspiration for Swaraj. n 1972, the company was nationalised and merged with 21 foreign and 11 Indian insurers to form one of...
Established on December 5, 1906, in Kolkata, NICL is India's oldest general insurance company. Founded by Gordhandas Dutia and Jeevandas Dutia, it was created to fulfill the nationalist aspiration for Swaraj. n 1972, the company...
National Health Insurance
National Health Insurance Rating
Overall Rating
5.8
out of 10
Solvency
2.2/4
ICR
1.7/3
Growth
1.9/3
Performance Index
Gross Direct Premium
National Health Insurance
0Cr
Industry Average
0Cr
ICR%
National Health Insurance
0%
Industry Average
0%
National Health Insurance
Industry Average
National Health Insurance
Customer Testimonials
Real experiences from our valued customers who have chosen our insurance coverage.
Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…
…always been available to assist with any insurance/claim queries.
Nakul N
I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.
Prashant Pandey
Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.
Jatin Gala
National Health Insurance
Pros and Cons
Pros
Preventive health check-ups after claim-free years
No pre-policy medical test required up to age 45
Covers injuries from adventure and hazardous sports
Premiums eligible for tax benefits under Section 80D
24×7 live chat customer support
Cons
Limited modern add-ons compared to private insurers
Claim settlement may take longer in some cases
Smaller network of hospitals than leading private insurers
Digital services and app experience can be improved
Some plans have sub-limits on room rent and specific treatments
National Health Insurance
Need help finding the right health plan?
Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage
National Health Insurance Types
Documents Required
National Health Insurance
Claim Settlement Process
Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences
National Health Insurance
Renewal Process
Easily renew your policy online or offline to enjoy uninterrupted health coverage
National Health Insurance Network Hospitals
3,700+
Network hospitals across the country for cashless treatment
700+
Cities covered nationwide for easy access to quality healthcare
700+
States and union territories ensuring comprehensive coverage
National Health Insurance
Features Comparison
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
National Health Insurance
How to Buy National Health Insurance?
Follow these simple steps to purchase your National Health Insurance health insurance policy and secure comprehensive coverage for you and your family.
Things to Remember
National Health Insurance
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National Health Insurance
Frequently Asked Questions
Get answers to common questions about our insurance policies and services.




