National Critical Illness Health Insurance

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

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) 

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

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.

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.

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

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. 

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