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National Health Insurance Renewal Process
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National Health Insurance Renewal Process in India

National Insurance Company Limited (NICL) is a general insurance company that is fully owned by the government of India. With headquarters in Kolkata, the company was founded in 1906 and was nationalized in 1972. NICL is among the most renowned general insurers in India that provides various health insurance plans, starting from individual insurance plans, family floater plans, senior citizen plans, group mediclaim policies, etc., We shall help you understand the National health insurance renewal process and inform about the National health insurance renewal fee, and National health insurance renewal code, if any.

National Health Insurance


The different health insurance policies provided through National Insurance can be categorized in the following manner:

  • National Mediclaim Plus Policy
  • National Mediclaim Individual Policy
  • National Senior Citizen Mediclaim Policy
  • The National Super Top-Up Mediclaim Policy
  • Vidyarthi Mediclaim Policy for Students
  • Parivar Mediclaim Policy on Family
  • National Parivar Mediclaim Policy
  • National Parivar Mediclaim Plus Policy
  • National Critical Illness Policy
  • Varistha Mediclaim Policy for Senior citizens
  • The National Mediclaim for Overseas Mediclaim Policy
  • National Overseas Mediclaim Employment & Studies


What is the need for Health Insurance Renewal?

Failing to make National insurance health policy renewal at the right time is something that should be avoided at all costs, as it can lead to the discontinuation of your policy. Therefore, if you are in the grace period, there is no reason to worry as it gives you time to renew your insurance in the event of missing the deadline date that was about to expire.

Health Insurance Renewal

Also, the biggest advantage of National health insurance renewal is the possibility of utilizing the discount in premium due to no-claim bonus. You may be unable to claim all these benefits if the plan is not renewed during the grace period.

How to Renew National Health Insurance Online?

To make sure that you and your family members are protected for the future, completing the National insurance health insurance renewal is mandatory. To renew your National insurance policy, one must provide the number of your current policy as well as certain other personal details including the name, age, gender, contact information, etc.,

Below are the steps on how to renew your National health insurance online:

  • Step 1: Visit the official site of National Insurance Company, national insurance.nic.co.in
  • Step 2: Choose the “Renewal” option in the dropdown menu on the home page, which will lead you to a webpage to input the details of your policy.
  • Step 3: Provide the policy number as well as any other information related to it, in the spaces provided.
  • Step 4: Opt for a payment method from the available choices such as internet banking, Debit/Credit Card
  • Step 5: Once the premium is paid, a confirmation mail from the insurance company shall be sent to your registered mail address, which confirms that the insurance policy is successfully renewed.
  • Step 6: For reference purposes, you may also download the soft copy of the policy or receipt directly from the link provided.


For providing the policyholders with necessary assistance on policy renewal or want to know how to renew National insurance health policy online, the National health insurance customer service department is available. They will answer the queries related to policy renewal, inform you of the best way to file a claim, assist you in the settlement of your claim or update your insurance information, etc. They can be reached at 22831705 or mailed to the customer. relations[at]nic.co.in.

Offline Renewal

The National insurance will send an official renewal reminder either via either email or post which will include a document that would contain all the required details such as the premium amount of the policy, nature of the claim (if there is one) along with the amount of insurance and the no-claim bonus (if there’s any). The policyholder must read the document to make sure there aren’t any factual errors before processing renewal. They can visit the nearest branch of National insurance along with these details, to make the premium payment.

Want to Change to a Different Policy?

According to IRDA guidelines, the insurance policyholder can switch to a different insurance company without having to sacrifice the benefits accumulated from the previous insurance policy. If you’d like to transfer into the National Health Insurance Scheme or from another insurer and want to continue enjoying all the benefits that come with the policy, the insurance portability feature is very advantageous. If the policy portability option is selected in advance of renewal, one can assure that the policyholder can continue to benefit from all the benefits that have been earned under the previous insurer but with the new insurance provider. Also, the ‘waiting-period ‘ condition for pre-existing illnesses and no-claims bonuses, are kept intact with the new insurance provider.

Non-Renewal of your Health Insurance Policy

If you do not renew your national insurance health policy, you will not receive any benefits or coverage attached to the insurance policy. It is highly recommended to be sure you pay your premium for renewal in advance to avoid being taken into such a situation. A majority of insurance companies send reminder emails, as well as SMS texts to your contact info on the file to ensure that you won’t get behind on renewals. But there are times when you may not receive it and manual reminders are the only way to get through such troubles.

Non-Renewal of your Health Insurance Policy

You need to keep your policy in good shape, before the deadline and stay away from any miscalculated moves. It is also possible to create reminders and make sure you don’t miss the date for expiration. If you are renewing your insurance plan on your own via the internet, be sure that you’re aware of the conditions and terms of the policy while making sure you are aware of any changes that have been made to the coverage or plan by visiting their official site.

The Conclusion

With the evolving times, a periodic check of your health insurance policy is essential. It is, therefore, required to know whether the coverage of the chosen plan can pay the medical bills you require in the shortest time possible. To do this, one must take necessary action before the renewal date of the health insurance plan to determine if you wish to remain with your current insurance provider or change to another insurance policy for more benefits.

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