National Health Insurance Critical Illness Plans

Critical illness coverage is an important part of everybody’s healthcare coverage. It serves as a lifesaver in case the primary breadwinner of your household is diagnosed with any major illness. These plans offer a lump-sum pay-out which helps to cover the hospitalisation expenses as well as cover the lack of income during that period. National General offers a critical illness policy at affordable rates. National health insurance critical illness plans come in multiple variants with different features and benefits. You can thus choose from these National health insurance variants based on your needs and budget. With wide-ranging coverage of National critical illness policies, you are rest assured should you or your loved ones meet a medical emergency due to any of the life-threatening diseases.

This page will provide details of the National health insurance critical illness policy.

National Critical Illness Policy

The National critical illness policy can be defined as a critical illness health insurance plan meant to support the costs of critical illness care. There are two variants: Plan A and Plan B. Variant plan A, provides coverage for 11 essential diseases, but plan B provides coverage for 37 severe diseases.

Benefits of National Health Critical Illness Insurance Policy

Here are the benefits offered by the National health critical illness insurance plan over conventional health insurance critical illness plans:

• Non-Mandatory Medical Screening

When you're battling an illness, you want the peace of mind that comes from knowing that healthcare coverage is there if you need it. But what happens if you're not screened for a condition before buying insurance? You can lose your policy and be left with nothing when your illness becomes critical. It's called pre-acceptance medical screening, and it occurs when insurance companies require you to undergo unnecessary medical tests before they will issue coverage. National health critical illness insurance policy offers healthcare coverage without any pre-acceptance medical screening to policyholders under the age of 45 years. Policyholders who have a non-earning spouse and opt for a sum insured of more than INR 5 lakhs or policyholders who opt for a sum insured of INR 25 lakhs or above in general also need to produce medical test results.

• High Sum Insured

When it comes to critical healthcare plans, not having enough insurance can be a huge worry. Thankfully, a high sum insured is always a welcome feature, especially when it relates to critical healthcare plans. This can help your family or loved ones who are impacted by a medical emergency. This can be extremely helpful for people with major diseases who need expensive healthcare treatments since it makes sure that there is a financial source to pay for any therapy that may be advised by your physician. National health critical illness policy provides a sum insured from INR 1 lakhs all the way up to INR 75 lakhs.

• Comprehensive Coverage

National Critical Illness Policy is meant to support the costs of critical illness care with comprehensive coverage. There are two variants: Plan A, as well as Plan B. Plan A provides coverage for 11 essential diseases, but plan B provides coverage for 37 severe diseases. This means that if you don't have one of the 37 illnesses that are covered, or you have one of them but it isn't severe enough to warrant it being covered by your plan B, you can sign up for Plan A. Same way, if you need all-around coverage, Plan B is the way to go!

• Tax Benefits

Section 80D of the Income Tax Act provides tax breaks to policyholders who pay health insurance premiums actively. The limit is set to INR 25,000 for individuals who are under the age limit of 60 years. The same limit is elevated to INR 50,000 for individuals who are above the age limit of 60 years. Both scenarios include a tax deduction of up to INR 5,000 for preventive healthcare tests.

Key Features of National Health Insurance Critical Illness Cover

If you or someone in your family wants to get excellent medical care in the event of an illness or accident, the National health critical illness cover can become one of the finest options for finding an exciting insurance policy with high medical benefits. This policy is among the highest-rated plans in today's insurance industry, offering a plethora of options including lump sum cash payments.

• Affordable premiums
• Self, Spouse, dependent children and dependent parent(s) are covered
• Entry age ranges from 18 years to 65 years
• Insured sum ranges from INR 1 lakh to 75 lakhs
• Plan A covers 11 major diseases
• Plan B covers 37 major diseases
• Pre-existing diseases are covered as a part of optional coverage

National Health Insurance Critical Illness Policy List

National Critical Illness Policy is among the finest options for finding the best medical insurance policy for your family. You may simply choose between two insurance options and base your decision on your money and demands.

Plans:

National Critical Illness Policy

Plan A Coverage:

• Specified severity cancer
• Open chest coronary artery bypass graft surgery
• Specified severity coma
• Permanent symptoms from a stroke
• Permanent limb paralysis
• Persisting symptoms with multiple sclerosis
• Permanent symptoms with motor neurone disease
• Bone marrow or major organ transplant
• Regular dialysis necessitated by kidney failure
• Heart valve repair or open heart replacement
• Myocardial infarction

Plan B Coverage:

• Specified severity cancer
• Open chest coronary artery bypass graft surgery
• Specified severity coma
• Permanent symptoms from a stroke
• Permanent limb paralysis
• Persisting symptoms with multiple sclerosis
• Permanent symptoms with motor neurone disease
• Bone marrow or major organ transplant
• Regular dialysis necessitated by kidney failure
• Heart valve repair or open heart replacement
• Myocardial infarction
• Speech loss
• Deafness
• Blindness
• Encephalitis
• Major head trauma
• Creutzfeldt-Jakob disease
• Progressive supranuclear palsy
• Brain surgery
• End-stage lung failure
• Cardiomyopathy
• Benign brain tumour
• Alzheimer’s disease
• Parkinson’s disease (primary)
• Primary pulmonary hypertension (ideopathic)
• Pneumonectomy
• Aorta graft surgery
• Progressive scleroderma
• Multiple system atrophy
• Bacterial meningitis
• Lupus nephritis with systemic lupus erythematosis
• Aplastic anaemia
• Apallic syndrome
• Goodpasture’s syndrome
• Third-degree burns
• End-stage liver failure