Paisawiki is a Part of
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
National Insurance Company Limited (NICL) is one of the oldest insurance providers in India. They are a government-owned company that was established in 1906 and then nationalised in the year 1972. They specialise in offering several kinds of insurance plans and policies. Their main headquarters are based in Kolkata, and they have 1350+ branches in several cities all over the country.
The Economic Times recognised the National Insurance Company as one of India’s Premium Brands, and they were awarded the “Symbol of Excellence” certificate in 2017 for their contribution. The NIC aims to offer financial aid in the form of insurance, to those areas that are not generally exposed to such services. They have been known for their flexible insurance policies that can be tailored to meet individual needs. The health insurance services provided by them also come with these benefits. The National health insurance customer care is also one of the best in India.
The National Insurance Company has had a very loyal customer base for the past several decades, given its excellent customer support system. National Health Insurance Customer Care offers the following services:
The National Health Insurance Customer Care service can be contacted via e-mail, by calling their toll-free number, sending a written post to their branch office or directly visiting one of their offices to register a complaint or have a query clarified.
The NIC has a grievance redressal rate of 97.07%, and the percentage of Incurred Claims Ratio (ICR) is 114.24%., as of 2019. ICR is the ratio of the claims settled by them, to the total premiums paid to them in one financial year.
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Toll-free customer care number |
1800 200 7710 |
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Number to their head office, Kolkata |
22831705 |
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The fax number of their head office |
22831740 |
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E-mail Addresses |
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For unresolved grievances |
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To report fraud of any kind |
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Customer support |
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General queries or technical issues |
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Postal address of their registered main office |
No.3, Middleton Street, Prafulla Chandra Sen Sarani, Kolkata- 700071 West Bengal |
The NIC has branch offices in all the major cities in India. Any issue or grievance will be resolved within 14 days from submission of the complaint. If the issue still remains unresolved, it can be taken to the notice of the insurance company’s head office. If still unresolved, it can be escalated further to the Insurance Ombudsman.
About National Health Insurance
The National Insurance Company offers a wide range of health insurance plans with flexible options to customise them to a person’s specific needs. Health insurance plans are of utmost importance to those having a stressful lifestyle, those having a family history of critical illnesses such as heart problems or cancer, those not following a healthy lifestyle and so on. Although, everyone should have a health insurance policy in place to deal with situations such as the current coronavirus pandemic.
The following are the health insurance plans offered under National health insurance:
Ans: No, special plans for COVID-19 are not available, but all the National Health Insurance Plans offer coverage for treatment of coronavirus.
Ans: All existing health insurance plans offered by the NIC offer full coverage for treatment of COVID-19, without the necessity for any added premium payment.
Ans: Yes. Cashless hospitalisation is offered in all the network hospitals serviced by the NIC, including for treatment of COVID-19.
Ans: Yes, National Health Insurance Plans offer tax deductions as per Section 80D of the Income Tax Act, 1961, with respect to the current tax laws existing in the country.
Ans: Yes, IRDAI facilitates the insurance holders the right to port a plan from one insurance provider to another depending on one’s needs. These are subject to certain terms and conditions.
