What is National Health Insurance?

National Health Insurance is a medical policy that helps you pay for hospital and treatment costs during illness or injury.

Who can buy National Health Insurance?

Adults can buy it for themselves or their family. Children above 91 days can be covered under a family policy.

What plans does National Health Insurance offer?

It offers individual, family, senior citizen, super top-up, and critical illness plans. Each has different coverage and benefits.

Does National Health Insurance cover hospital expenses?

Yes. It covers room rent, medicines, doctor visits, tests, and surgery costs during hospitalisation.

Does National Health Insurance cover day care treatments?

Yes. Treatments like dialysis or cataract surgery that need less than 24 hours are covered.

Can I cover my whole family under National Health Insurance?

Yes. A family floater plan lets you cover yourself, your spouse, children, and sometimes parents in one single policy.

Does National Health Insurance cover maternity costs?

Some plans do. They include expenses for delivery, pre- and post-natal care, and newborn baby coverage.

Are pre-existing diseases covered under National Health Insurance?

Yes, but only after a fixed waiting period mentioned in your plan.

What is the sum insured in National Health Insurance?

The sum insured is the total amount your policy will cover for medical expenses in one policy year. In National Health Insurance plans, the coverage usually ranges from ₹1 lakh to ₹20 lakh, depending on the type of plan you choose.

How can I buy National Health Insurance through OneAssure?

You can visit www.oneassure.in or call +91 6364 334 343. The advisor will help you choose the best plan and complete your purchase.

Does National Health Insurance offer tax benefits?

Yes. The premium you pay qualifies for a tax deduction under Section 80D of the Income Tax Act.

What if my full sum insured is used?

Some plans include a sum insured restoration benefit, which refills your cover after it’s used up.

Does National Health Insurance cover AYUSH treatments?

Yes. It covers alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

Does National Health Insurance cover mental illness?

Yes. It includes expenses for therapy, counseling, and hospitalisation for mental health conditions.

Can I get cashless treatment with National Health Insurance?

Yes. You can go to any network hospital, show your health e-card, and get treated without paying upfront.

What if I visit a non-network hospital under National Health Insurance?

You can pay the hospital first and then claim reimbursement through OneAssure.

How do I renew my National Health Insurance plan?

You can renew it online via OneAssure. We even send reminders before expiry so you never miss your renewal. Our advisor will review your needs, confirm if you need the same policy or upgrade, share the payment link and you’ll get your policy once the payment is done.

What documents are needed to buy National Health Insurance?

You’ll need an Aadhaar or PAN card, address proof, a passport-size photo, and sometimes a birth or school certificate for children.

How do I file a claim under National Health Insurance?

You can file a claim in two ways - cashless or reimbursement. For cashless claims, visit a network hospital where bills are settled directly with the insurer. For reimbursement, pay first and submit bills later. OneAssure supports you through every step of the process.

Why should I choose National Health Insurance?

Because it’s a trusted government-backed insurer offering wide hospital coverage, easy claims, and simple support through OneAssure.

OneAssure

Health Insurance

National

National Health Insurance

Get a Quote

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.

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

National Health Insurance

National 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

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Industry Average

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ICR%

National

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Industry Average

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National

Industry Average

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

0Cr

Industry Average

0Cr

National

Industry Average

Performance Index

ICR%

National

0%

Industry Average

0%

National

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

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

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

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

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 Types

Family Health Insurance

This plan is meant for your whole family under a single policy. Instead of buying separate insurance for each member, one plan covers everyone. It includes spouses, children, and sometimes parents. It pays for hospital bills, treatments, and other medical expenses, making it easier to manage family healthcare costs.

Senior Citizen Health Insurance

This plan is specially designed for people aged 60 years and above. Senior citizens often face higher medical expenses, and this plan helps cover hospitalisation, surgeries, day care treatments, and other healthcare needs. It gives peace of mind to both seniors and their families.

Critical Illness Insurance

This plan provides a lump sum payment if you are diagnosed with a serious illness like cancer, stroke, or heart attack. The money can be used for treatment, recovery, or even daily expenses while you focus on getting better. It acts as a financial backup for life-changing medical situations.

Top-Up Health Plans

These plans come into play when your existing health insurance exhausts. A good option to get extra coverage at affordable prices.

Family Health Insurance

This plan is meant for your whole family under a single policy. Instead of buying separate insurance for each member, one plan covers everyone. It includes spouses, children, and sometimes parents. It pays for hospital bills, treatments, and other medical expenses, making it easier to manage family healthcare costs.

Senior Citizen Health Insurance

This plan is specially designed for people aged 60 years and above. Senior citizens often face higher medical expenses, and this plan helps cover hospitalisation, surgeries, day care treatments, and other healthcare needs. It gives peace of mind to both seniors and their families.

Critical Illness Insurance

This plan provides a lump sum payment if you are diagnosed with a serious illness like cancer, stroke, or heart attack. The money can be used for treatment, recovery, or even daily expenses while you focus on getting better. It acts as a financial backup for life-changing medical situations.

Top-Up Health Plans

These plans come into play when your existing health insurance exhausts. A good option to get extra coverage at affordable prices.

Documents Required

Identity Proof

Any one of Aadhaar card, PAN card, passport, voter ID, or driving license.

Address Proof

Recent utility bill, bank statement, ration card, passport, or driving license.

Age Proof

Birth certificate, school certificate, or passport.

Photograph

One recent passport-size photo.

Identity Proof

Any one of Aadhaar card, PAN card, passport, voter ID, or driving license.

Address Proof

Recent utility bill, bank statement, ration card, passport, or driving license.

Age Proof

Birth certificate, school certificate, or passport.

Photograph

One recent passport-size photo.

National Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

National Health Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

National 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

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

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

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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?

Follow these simple steps to purchase your National health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember

National Health Insurance

Still Confused? Get Expert Guidance

Our insurance experts can help you compare plans and find the best coverage for your needs

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.