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.

National Critical Illness Health Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	83.78%
Network Hospitals	6,000+
Renewability	Lifelong
Starting Premium for 5 lac SI	Rs.586/month
Starting Premium for Rs. 5 lakhs SI	Rs. 586/month

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National Critical Illness Insurance Policy Brochure

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Jul 24, 2019

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National Health Insurance Plan List

Family (5)
Individual (2)
Woman (4)
Parents (1)
Senior Citizen (1)
Maternity (2)
Kids (1)
Critical Illness (1)

Name of Plan	Sum Insured
National Mediclaim Plus Min: 3 Months; Max: 75 YearsPopular	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium
Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years	2 Lakh	Check Premium
National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years	6 Lakh	Check Premium
National Parivar MediclaimMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium
National MediclaimMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium

National Health Insurance Top Up List

Name of Plan	Sum Insured
National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years		Check Premium

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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.

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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

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
National Health Insurance
1800-345-033024*7
customer.relations@nic.co.in