Insurance Company
National Insurance
Policy Name
National Mediclaim
Expert Overview -
National Insurance was established in 1906 and is one of India’s oldest general insurance companies. Its long-standing government-backed legacy contributes to sustained trust in its health insurance offerings.
Plan Strategy -
Basic health insurance policy suitable for individuals and families seeking moderate coverage with flexible sum insured options
Network Hospitals
5,000+
>8,500 recommended
Claim Ratio
94.62%
>95% recommended
Complaints
30.571
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
Room rent capped
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
Sub limits on specified diseases
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
5% no claim bonus annually upto 50%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
100% restoration once in a policy year for unrelated diseases
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
45 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
60 days
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables excluded
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
