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.

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National Health Insurance Critical Illness Policy

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    National Health Insurance at a Glance:

    Key Features


    Network Hospitals


    Incurred Claim Ratio




    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

    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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