You need health cover regardless of what you take two at a time - pills or stairs.

    • National Insurance Critical Illness Policy

    National Health Insurance

    National Insurance Critical Illness Policy covers medical expenses incurred for the critical illness by the insured. This policy covers you and your family against 6 major critical illnesses.

    A lump sum amount is paid to the insured on diagnosis of any of the specified 6 critical illnesses. To make the claim, the insured needs to survive for 30 days after the diagnosis has been made.

    Check Your Eligibility

    Features & Benefits of National Insurance Critical Illness:

    Entry Age 20 years – 65 years
    Policy Period 1 year
    Renewability The policy can be renewed till the insured is 65 years of age.

    Basis

    		 Covers the individual as well as the family.
    Sum Assured

    There are 4 levels of Sum assured:

    Level I- Rs.5 Lakhs.

    Level II- Rs.10 Lakhs.

    Level III- Rs.20 Lakhs.

    Level IV- Rs.25 Lakhs.
    Coverage
    • The plan covers the following 6 major critical illness:
    • Coronary Artery Surgery
    • Cancer
    • Renal failure
    • Stroke
    • Multiple Sclerosis
    • Kidney, Lung, Pancreas or Bone Marrow transplant.
    • The entire sum assured is paid in a lump sum on the diagnosis of the critical illness by an authorised medical practitioner.
    Tax Benefit The premiums paid up to Rs.15,000 on the policy is allowed as deductions every year under the Section 80D of the Income Tax Act. The exemption for senior citizen is Rs.20,000.
    Exclusion
    • There is a 90 days waiting period wherein no claims are admitted.
    • For the claims to be paid out, the insured person must survive the critical illness for at least 30 days after the diagnosis of the illness.
    • Dependent diseases won’t be covered under this policy.

    This policy is beneficial for those who have a family history of these critical illnesses, so that they medical expenses won’t be a burden on the insured, in case he suffers from it. It is advisable to be prepared for the worst in advance.

    Disclaimer: Please read and check the details of the policy to see if it meets all your requirements.

    Also Read: How to File a Claim with National Insurance?

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