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National Critical Illness Health Insurance

279 reviews Rate This
National Health Insurance
Critical Illness Insurance Policy
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
Network Hospitals6,000+
RenewabilityLifelong
Starting Premium for 5 lac SIRs.586/month
Starting Premium for Rs. 5 lakhs SIRs. 586/month

About National Critical Illness Health Insurance

Today’s fast-paced life is making people easily fall prey to life-threatening diseases such as Cancer, Diabetes, Stroke, etc. But more often than not, the standard medical insurance plans exclude such illnesses from their coverage features. So, to deal with such illnesses, Critical Illness Mediclaim Policy brought to you by National Insurance Company proves to be a boon. This policy gets you and your family covered with up to 37 life-threatening or critical illnesses. Under this policy, the insured individual is paid a lump sum amount on diagnosis of any specified critical illness. Anyone aged between 18 years and 65 years can seek coverage under this policy.

The policy is available in two variants, namely Plan A and Plan B. Plan A provides cover for 11 critical illnesses whereas Plan B provides cover for up to 37 critical illnesses. The policyholders also have an option to add two more critical illnesses, namely Permanent Paralysis of Limbs and Total and Permanent Blindness. Remember, to make a claim, it is necessary for the insured individual to survive for at least 30 days after he/she has been diagnosed with a critical illness.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Renewal benefit
  • Cover for up to 37 critical illnesses
  • Lump sum payment in a single transaction
  • Cover for critical illnesses for a policy tenure of 1 year
  • Option to add Permanent Paralysis of Limbs and Total and Permanent Blindness

What's Not Included

  • Dependent diseases
  • Pre-existing condition
  • Any injury arising due to a suicide attempt
  • Any illness directly or indirectly caused by nuclear weapons
  • No claim is payable if the insured smokes 64 or more cigarettes in a day

Critical Illness Insurance Policy User Reviews

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Add-ons to Enhance Benefits

  • Permanent Paralysis of Limbs

    On payment of additional premium, total and irreversible loss of two or more limbs as a result of injury or disease of the brain or spinal cord certified by a medical specialist will be covered, provided it has been present for more than 3 months.

  • Total Blindness

    Total and permanent loss of sight in both eyes due to accident or sickness is covered as an add-on benefit under this policy.

National Critical Illness Insurance Policy Expert Review

  • Expert Review

    We are at increased risk of critical diseases due to the change in our lifestyle and diet. At times, hereditary and age also become the cause of critical illnesses. Your basic health insurance may not cover the costs of the treatment and recovery process for critical illnesses. It’s therefore important to have a critical insurance policy, especially if you have a family history of life-threatening disease. Critical Illness Insurance policy by National Insurance has been designed to cover you and your family from 37 critical illnesses (11 diseases in Plan A and 37 diseases in Plan B including those covered under Plan A).

    Available for people aged between 18 years and 65 years, the policy offers unique benefits by covering expenses in case the insured is diagnosed or affected by any of the specified critical diseases. On diagnosis of the disease, the National Insurance Company pays a lump sum amount to the insured person. 

  • Major Attractions

    The diseases covered by the Plan A and the Plan B under the Critical Illness Insurance policy are cancer, kidney failure, bone marrow transplant, multiple sclerosis, open chest CABG, heart attack, stroke, aorta surgery, open heart replacement and many others. The policy also comes with an option to add two more critical illnesses, including Total and Permanent Blindness and Permanent Paralysis of Limbs. Below are some more features covered under the plan:

    • Sum insured ranges between Rs. 1 Lakh and Rs. 75 Lakh
    • The cover is available for self, spouse, dependent children and parents
    • A fixed lump sum amount is paid to the insured in a single transaction
    • Add-on benefits: Permanent Paralysis of Limbs and Total Blindness
    • Provision to cover pre-existing conditions on payment of additional premium under Plan B of the policy
    • The policy is available for a period of 1 year
    • Several discount options like Early Entry Discount, Family Discount, Staff Discount and Online Discount
    • Midterm inclusion of family members (the spouse can be included within 60 days of marriage only) 
  • What’s More?

    Contracting a critical disease carries a negative impact on your earning potential. With the National Critical Illness Policy in hand, you are able to secure your family from critical illnesses. You can provide them with the best possible treatment without losing your existing investments. Some more benefits under the policy include:

    • The policy can be renewed lifetime
    • Premiums paid for this policy are allowed for Income Tax Benefit under Section 80D of the Income Tax Act 1961
    • Portability option is available for similar products as per IRDAI rules
    • Dedicated third party claim service
    • Free-look period of 15 days to continue or cancel the policy
  • Conclusion

    Sticking to a healthy diet and following an exercise regime may keep critical illnesses at bay. But there is no surety of not falling prey to the diseases. Better, buy the critical illness health insurance policy. Though some plans reduce the number of critical diseases getting covered, the Plan B of National Critical Insurance Policy lets you get cover for a number of critical illnesses. Also, the insurer guarantees to pay the lump sum amount in a single transaction. Overall, it’s the right policy for those living on the verge of being diagnosed with critical illnesses.  

    InsuranceDekho brings you a convenient way to compare a number of critical insurance policies. It also allows you to migrate to similar policies through portability and get proper assistance at the time of renewal and filing claims. However, it’s advisable to buy the policy considering a few other factors like family history, type of job, medical inflation and age.

National Critical Illness Insurance Policy Brochure

  • 296.19 KB
  • PDF Document
  • Jul 24, 2019

Claim Process at National Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Critical Illness Insurance Policy Health Insurance Plan

  • How many critical illnesses are covered under this policy?

    This policy offers two variants, viz- Plan A and Plan B. Plan A provides cover for 11 critical illnesses and Plan B provides cover for 37 critical illnesses including the ones provided under Plan A. 

     

  • What are the sum insured options available under this policy?

    This policy is available in individual sum insured options of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7 Lakh, Rs. 8 Lakh, Rs. 9 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, Rs. 30 Lakh, Rs. 35 Lakh, Rs. 40 Lakh, Rs. 45 Lakh, Rs. 50 Lakh, Rs. 55 Lakh, Rs. 60 Lakh, Rs. 65 Lakh, Rs. 70 Lakh and Rs. 75 Lakh. These slabs are available under both Plan A and Plan B.

     

  • What is the policy period for National Critical Illness Plan?

    The policy period for National Insurance Critical Illness Policy is one year. 

     

  • Does National Insurance Company provide any discount to the customers?

    Yes. The company offers several discounts to the customers such as Early Entry Discount, Family Discount, Staff Discount, and Online, Direct, and POS machine discount. 

     

  • What is the age criteria for the Proposer under this policy?

    The Proposer for this policy should be aged between 18 years to 65 years.

     

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