General insurer
National Insurance Company Limited
Registered Indian general insurer listed in IRDAI's public registered-entity records. Many general insurers offer motor and other non-life products; this platform does not show pricing.
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CSR FY 2024-2593.56%
Latest solvency109%
Latest ICR100.22%Incurred Claims Ratio — claims paid as a share of premium earned. Not a claim-approval measure, and not meaningfully "better" when higher or lower.
Latest complaintsN/A
Claim Settlement Ratio (CSR)Good
93.56%FY 2024-25
FY 2024-25
93.56%
CSR = % of claims actually paid out of total claims filed. Higher is better for policyholders.
Source: IRDAI Annual Report ↗IRDAI Snapshot
| Year | CSR % | Solvency | ICR | Complaints |
|---|---|---|---|---|
| FY 2019-20 | 103.3% | — | — | — |
| FY 2020-21 | 101.09% | — | 86.23% | — |
| FY 2021-22 | 125.53% | 109% | 104.05% | — |
| FY 2022-23 | 102.35% | — | 100.85% | — |
| FY 2023-24 | 90.83% | — | 95.9% | — |
Claim Ratio Trend
CSR over the years (IRDAI data)
Claim Settlement Ratio (CSR)
Ideal ≥90%
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Health Plans
National Insurance Company — Plans
9 plans · Key details from official policy documents.
| Plan Name | Type | Sum Insured | Min Age | Max Age | Renewal | Room Rent | Co-pay | PED Waiting | Initial WP | Maternity WP | Restoration | OPD | Key Features |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
National Health Make Your Own Policy - Gold▼Compare this plan → | Health Insurance | ₹25L, ₹35L, ₹50L | 18 years | 55 years | — | — | No co-pay | 24 months | 30 days from first commencement (waived for accidents; waived entirely if continuous prior coverage exceeds 12 months) | 24 months continuous coverage (Maternity optional cover only; resets to fresh if cover lapses/is re-opted, or after a paid claim) | ✓ | — | ✓✓🩺✓✓+1 |
National Health Make Your Own Policy - Silver▼Compare this plan → | Health Insurance | ₹10L, ₹15L, ₹20L, ₹25L | 18 years | 55 years | — | — | No co-pay | 24 months | 30 days from first commencement (waived for accidents; waived entirely if continuous prior coverage exceeds 12 months) | 24 months continuous coverage (Maternity optional cover only; resets to fresh if cover lapses/is re-opted, or after a paid claim) | ✓ | — | ✓✓🩺✓✓+1 |
National Health Make Your Own Policy - Diamond▼Compare this plan → | Health Insurance | ₹75L, ₹1 Cr | 18 years | 45 years | — | — | No co-pay | 24 months | 30 days from first commencement (waived for accidents; waived entirely if continuous prior coverage exceeds 12 months) | 24 months continuous coverage (Maternity optional cover only; resets to fresh if cover lapses/is re-opted, or after a paid claim) | ✓ | — | ✓✓🩺✓✓+1 |
New National Parivar Mediclaim Policy▼Compare this plan → | Health Insurance | ₹1L, ₹2L, ₹3L, ₹4L, ₹5L, ₹6L, ₹7L, ₹8L, ₹9L, ₹10L | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days (waived for accidents; waived entirely if continuous coverage exceeds 12 months) | 36 months (waivable only for accident-induced delivery/miscarriage/abortion) | ✓ | — | 🩺✓✓ |
National Parivar Mediclaim Plus Policy - Plan A▼Compare this plan → | Health Insurance | ₹6L, ₹7L, ₹8L, ₹9L, ₹10L | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days (waived for accidents; waived entirely if continuous coverage exceeds 12 months) | 24 months (waivable only for accident-induced delivery/miscarriage/abortion) | ✓ | — | ✓✓✓✓🩺 |
National Parivar Mediclaim Plus Policy - Plan B▼Compare this plan → | Health Insurance | ₹15L, ₹20L, ₹25L | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days (waived for accidents; waived entirely if continuous coverage exceeds 12 months) | 24 months (waivable only for accident-induced delivery/miscarriage/abortion) | ✓ | — | ✓✓✓✓🩺 |
National Parivar Mediclaim Plus Policy - Plan C▼Compare this plan → | Health Insurance | ₹30L, ₹40L, ₹50L | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days (waived for accidents; waived entirely if continuous coverage exceeds 12 months) | 24 months (waivable only for accident-induced delivery/miscarriage/abortion) | ✓ | — | ✓✓✓✓🩺 |
National Young India Mediclaim Plus Policy▼Compare this plan → | Health Insurance | ₹5L, ₹10L, ₹15L, ₹25L | 18 years | 45 years | — | — | No co-pay | 36 months | 30 days (waived for accidents; waived entirely if continuous coverage exceeds 12 months) | 24 months (waivable only for accident-induced delivery/miscarriage/abortion) | ✓ | — | ✓🏃✓ |
National Health Make Your Own Policy - Bronze▼Compare this plan → | Health Insurance | ₹5L, ₹7.5L, ₹10L | 18 years | 55 years | — | — | No co-pay | 24 months | 30 days from first commencement (waived for accidents; waived entirely if continuous prior coverage exceeds 12 months) | 24 months continuous coverage (Maternity optional cover only; resets to fresh if cover lapses/is re-opted, or after a paid claim) | ✓ | — | ✓✓🩺✓✓+1 |
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