• National Insurance Critical Illness Policy

     4.5 / 5.0   by 11 users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    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 health insurance 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?

    Other Health Insurance Plans from National Insurance:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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    National Insurance Critical Illness Policy Reviews

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    • Page 1 of 1
    • National Insurance Health Insurance
      "Not yet claimed "
      0.5 5.0/5 "Blown Away!"
      They provided the soft copy of Insurance details very immediately but they have not given the hard copy yet.It takes 4years tenure for covering pre-existing disease in the Insurance.The critical illness also has some particular waiting period.
      Was this review helpful? 1

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      , pune
      Reviewed on Aug 05, 2016
    • National Insurance Health Insurance
      "Keep your family healthy "
      0.5 5.0/5 "Blown Away!"
      Under the National insurance my company has provided the Medi assist policy in which all the critical illness is covered after the hospitalization of 24 hours. Once we are admitted in the hospital just we have to inform the insurance company and all the produce will be completed in 5- 10 minutes. Pre an post hospitalization is been covered. Per day cashless treatment is give from 1500 to 3000. In we have not us the coverage in the year 20% of the bonus will be offered in the nest year.
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      , bangalore
      Reviewed on Jun 03, 2016
    • National Insurance Health Insurance
      "Small scale mediclaim"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with National Insurance.I pay a premium of around Rs.8k on a yearly basis to my agent. It has a coverage amount of Rs.3 Lakhs and covers hospitalisation , bed charges and critical illness cover etc. I have had this since 8 years and have had the experience of claiming it once for an emergency. The claim process was easy and took just about 10 days as I have a very efficient agent and I got the full reimbursement.
      Was this review helpful? 2

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      , kolkata
      Reviewed on May 20, 2016
    • National Insurance Health Insurance
      "Insurance with good benefits"
      0.5 4.0/5 "Great!"
      I have a medical insurance policy from National Insurance. It has a family cover and I can add two more members. The cover is for Rs.5 Lakhs. It covers cashless hospitalisation and bed charges etc. if intimated on hospitalisation within 24 hours. It has a critical illness and accidental cover.
      Was this review helpful? 0

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      , panchkula
      Reviewed on Apr 30, 2016
    • National Insurance Health Insurance
      "Very good experience"
      0.5 5.0/5 "Blown Away!"
      I have a Medical Insurance policy with National Insurance. It covers in case of minimum 24 hours hospitalisation under cashless policy. I have it for the past 16 years and I pay around Rs.10,000 yearly. It covers bed charges, critical illness etc. I had used it once and it was easy to claim. The accidental cover is for Rs.2 Lakhs.
      Was this review helpful? 1

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      , hyderabad
      Reviewed on Apr 13, 2016
    • National Insurance Health Insurance
      "Satisfied"
      0.5 4.0/5 "Great!"
      Almost all the critical illness are being covered by National Insurance. As this is a corporate health insurance plan so for cataract they are just giving 50% of coverage. They have cap on the coverage amount. Incase of c-section the coverage is 25k and for normal delivery it is 20k.
      Was this review helpful? 0

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      , new delhi
      Reviewed on Oct 14, 2015
    • National Insurance Health Insurance
      "Good Experience!!"
      0.5 4.0/5 "Great!"
      The health insurance from National Insurance is good. This is provided to me by my company and it covers my entire family. This insurance covers all the major and critical illness. I had recently claimed for my wifeâ??s maternity for which I got the entire amount refunded. The executive of the company had really helped me a lot in claiming the amount.
      Was this review helpful? 0

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      , bangalore
      Reviewed on Aug 05, 2015
    • National Insurance Health Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken 2 polices from National Insurance. One is a family floater policy and another one is exclusively for critical illness. The coverage is upto 5 lakhs for my family. For the first claim I will be getting only 50% of the money reimbursed. From the next year I will be getting the entire amount I am eligible for. The critical illness policy covers only in case of disabilities and also a lumpsum payments when in the case of no earnings and also it is mandatory that I survive atleast for a minimum of one month.
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      , kolkata
      Reviewed on Jul 02, 2015
    • National Insurance Health Insurance
      "Satisfied.."
      0.5 5.0/5 "Blown Away!"
      Health insurance that I hold is offered by my company and National Insurance is offering 5lakhs of coverage for each individuals. All critical illness are being covered for employees. Whole family is covered but not sure about the no claim bonus benefits.
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      , salem
      Reviewed on Jun 18, 2015
    • National Insurance Health Insurance
      "Wonderful"
      0.5 4.0/5 "Great!"
      I am holding a medical policy with National insurance. This policy was taken through online. It provides a cover for critical illness and other illness as well. It provides a cover for most of the hospitals in my locality so it is very easy for me to get the claim. The premium amount is very low. This policy is 5 years old.
      Was this review helpful? 1

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      , new delhi
      Reviewed on Apr 06, 2015
    • National Insurance Health Insurance
      "Good Insurance "
      0.5 2.0/5 "Expected more"
      I hold a health Insurance with LIC and I am really happy about the same because they were prompt towards the commitment.They provide service for all critical illness and I have inquired about my queries with the agent and will surely recommend this Insurance to my friends. All illness will be covered for 90% charges where I pay the rest 10% as coinsurance.
      Was this review helpful? 1

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      , new delhi
      Reviewed on Apr 03, 2015
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