National Insurance health insurance review
National Insurance settles 93.9% of its health insurance claims and receives 41.3 complaints per 10,000 claims, from IRDAI published data averaged over the last three financial years. That is 12 of 31 on settlement ratio and 25 of 30 on complaints, where fewer is better.
IRDAI published data, weighted over three financial years. Last checked 2026-07-26. Compare all 31 health insurers
What the numbers say about National Insurance
The settlement ratio is the weaker of the two figures: across health insurers it sits inside a narrow band, so it rarely separates a good insurer from a poor one. The complaint rate does the work. It runs from 4.2 at Bajaj General to 173.6 at Navi General, roughly 41 times. National Insurance sits at 41.3, toward the weaker end of that range.
Neither figure describes a policy. What decides your claim is the wording you bought: the waiting periods, the room-rent rule, the sub-limits and what you disclosed when you applied.
The 3 National Insurance plans we have read
Each from the insurer’s own policy wording and prospectus, not from marketing material.
Making a National Insurance claim
IRDAI requires a cashless decision within 1 hour for a planned procedure and 3 hours in an emergency, with final authorisation at discharge within 3 hours (Master Circular on Health Insurance Business, 29 May 2024). If a planned authorisation passes the hour with no query raised, that is a breach you can escalate.
Servicing your National Insurance policy
If you already hold a National Insurance policy, these are its official servicing routes. The numbers and links are National Insurance’s own, current as of our last check; if you want a second pair of eyes on a claim or a renewal decision, an NYVO advisor handles it with you.
National Insurance customer care number
Renew your National Insurance policy
National Insurance renewal portal →National Insurance claim status
Track a National Insurance claim →National Insurance network hospital list
National Insurance cashless hospital list →National Insurance questions, answered
Is National Insurance health insurance good?
National Insurance settles 93.9% of claims and draws 41.3 complaints per 10,000 claims, ranking 25 of 30 on complaints. The complaint figure is the one that separates insurers - across the market it spans roughly 41 times, while settlement ratios sit within a few points of each other. Neither number describes a specific policy; the wording decides your claim.
What is the National Insurance claim settlement ratio?
93.9%, as a weighted average of the last three financial years from IRDAI published data, which ranks National Insurance 12 of 31 health insurers. Read it alongside the complaint figure rather than on its own.
How do I make a National Insurance claim?
Cashless at a network hospital needs pre-authorisation from the hospital insurance desk, 48 hours ahead for a planned admission. IRDAI requires the insurer to decide within 1 hour for a planned procedure and 3 hours in an emergency. Our National Insurance claim guide covers the full workflow, the document checklist and the escalation ladder if it stalls.
How many National Insurance plans has NYVO reviewed?
3. Each one is read from the insurer's own policy wording and prospectus rather than from marketing material, and each page states what the plan does not cover as plainly as what it does.
What is the National Insurance customer care number?
National Insurance's customer care and claim helpline is 1800-345-0330, and its website is https://nationalinsurance.nic.co.in. Claims can also be emailed to customer.support@nic.co.in. For a stuck claim, the escalation ladder in our National Insurance claim guide runs from the insurer's grievance cell up to the IRDAI portal and the Ombudsman.
How do I check my National Insurance claim status?
Track a National Insurance claim on its online portal (linked above under "Managing your National Insurance policy"), or call 1800-345-0330 with your claim or policy number. If the status stalls past the IRDAI-mandated window, that delay is itself grounds to escalate.
How do I renew my National Insurance health insurance policy?
Renew on National Insurance's official renewal portal (linked above) using your policy number, ideally before the due date so cover and accrued waiting periods carry over unbroken. A policy renewed within the grace period stays continuous; one that lapses can reset waiting periods, so the renewal date matters more than most people are told.
How do I find National Insurance network hospitals for cashless treatment?
National Insurance publishes its cashless network on its own site (linked above); check it before a planned admission, because empanelment changes and a hospital cashless last year may not be this year. Ring the hospital's insurance desk to confirm it is currently active for National Insurance before you travel.
Whether National Insurance suits you depends on the wording, not the ratio
We read the policy before recommending it, and we handle the claim when it comes. If you are weighing National Insurance against another insurer, talk it through first.
Talk to an advisor →NYVO is an IRDAI-registered corporate agent (composite), licence CA1085. Figures are from IRDAI published disclosures, reproduced without adjustment, and describe the insurer rather than any individual policy.
