National Health Insurance Critical Illness Policy

A basic health insurance policy may not cover the cost of treatment of life-threatening diseases. National critical illness policy is designed to cover the expenses incurred on critical illnesses. Any person above the age of 18 years can get insured. Children between the age group of 3 months and 18 years can be covered, provided the parents are also insured.

National Health Insurance at a Glance:

Key Features

Highlights

Network Hospitals

6000+

Incurred Claim Ratio

115.55

Renewability

Lifelong

Waiting Period for Pre-existing Illness

4 years

National Critical Illness Plans

The Policy is available under two health insurance plans:

Plan A: It covers 11 critical Illnesses

Plan B: It covers 37 critical Illnesses (including Plan A)

Features and Benefits:

The sum insured amount ranges from Rs 1 lakh to Rs 75 lakh

Plan A (11 Critical Illnesses)

  • Cancer
  • Open heart replacement
  • Myocardial Infarction/ First heart attack
  • Artery Bypass Graft Surgery
  • Kidney Failure that needs regular dialysis
  • Coma of Specified Severity
  • Stroke
  • Organ Transplantation
  • Permanent Paralysis of Limbs
  • Motor Neurone Disease
  • Multiple Sclerosis

Plan B (37 Critical Illnesses including Plan A)

  • Cancer
  • Open heart replacement
  • Myocardial Infarction/ First heart attack
  • Artery Bypass Graft Surgery
  • Kidney Failure that needs regular dialysis
  • Coma
  • Stroke
  • Permanent Limb Paralysis
  • Major Organ/Bone Marrow Transplant
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Third Degree Burns
  • End-Stage Liver Failure
  • Goodpasture’s Syndrome
  • Aplastic Anaemia
  • Apallic Syndrome
  • Bacterial Meningitis
  • Systemic Lupus Erythematous with Lupus Nephritis
  • Progressive Scleroderma
  • Multiple System Atrophy
  • Aorta Graft Surgery
  • Pneumonectomy
  • Primary (Idiopathic) Pulmonary Hypertension
  • Primary Parkinson’s Disease
  • Benign Brain Tumour
  • Alzheimer’s Disease
  • End-Stage Lung Failure
  • Cardiomyopathy
  • Brain Surgery
  • Major Head Trauma
  • Progressive Supranuclear Palsy
  • Creutzfeldt-Jakob Disease (CJD)
  • Blindness
  • Encephalitis
  • Deafness
  • Loss of Limbs
  • Loss of Speech

For more details regarding this critical illness health insurance plan at 1800-208-8787 or write to us at This email address is being protected from spambots. You need JavaScript enabled to view it..

Written By: PolicyBazaar - Updated: 15 April 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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