Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
  Hurry Up!
Save tax in 80D by purchasing a Health Insurance Today. View Plan

National Critical Illness Health Insurance Wordings

24 reviews Rate This
Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold17,25,290
RenewabilityLifelong

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

National Critical Illness Insurance Policy Brochure

  • 296.19 KB
  • PDF Document
  • Jul 24, 2019

National Health Insurance Plan List

    Name of PlanSum Insured
    National Mediclaim Plus Min: 3 Months; Max: 75 Years2 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years2 Lakh Get Quotes Now
    National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years6 Lakh Get Quotes Now
    National Parivar MediclaimMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
    National MediclaimMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now

    National Health Insurance Top Up List

      Name of PlanSum Insured
      National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years Get Quotes Now

      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.

         

      • Who all can be covered under this policy?

        The following members can be covered under this policy-

        • Spouse 
        • Dependent children aged between 5 years to 18 years 
        • Parents
        • Midterm inclusion of family members at pro-rata premium (in case of a spouse, within sixty days of marriage only) 
      • What are the major exclusions in this policy?

        Listed below are some major exclusions in this policy-

        • A waiting period of 90 days where no claims are admitted
        • The insured person must be alive for at least 30 days after the critical illness has been diagnosed
        • Dependent diseases are excluded from this policy
      • Can I cover my family under this policy too?

        Yes. This policy is available as an individual as well as family floater basis. 

         

      • Till what age is this policy renewable?

        This policy can be renewed until 65 years of age of the insured individual.

         

      • What are the tax benefits under this policy?

        Premiums paid up to Rs. 25,000 for this policy are allowed for deductions annually under Section 80D of the Income Tax Act 1961. For senior citizens, the exemption is of Rs. 30,000.

         

      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.

      National Health Insurance Contact Details

      Reach us for help anytime