INSUBCONTINENT EXCLUSIVE:
National Critical Insurance Policy can be availed for minimum sum insured of Rs 1 lakh.National Insurance Company, a Government of India
enterprise, offers various health insurance products
Among these, it offers a special insurance policy covering critical illnesses such as cancer, heart disease, kidney failure etc
Called National Critical Illness Policy, this product of National Insurance Company covers expenses in the event an insured person is
diagnosed with critical illnesses, according to the insurer's website -nationalinsuranceindia.nic.co.in
National Insurance Company offers two variants of the National Critical Illness Policy: Plan A and Plan B.Any person between the age of 18
and 65 years can buy National Critical Illness Policy
Children between the age of five years and 18 years can be covered provided their parents are covered concurrently, according to the
National Insurance Company website.The policy can also be availed for self and family members including spouse, parents and children.The sum
insured for an individual starts from Rs 1 lakh to Rs 10 lakh and in multiples of Rs 5 lakh up to a maximum Rs 75 lakh.The sum insured can
be a maximum of five times of the annual income for the insured person; for a working spouse, a sum equal to five times of annual income is
allowed as the sum insured, and for a non-working spouse, a sum insured would be between Rs 1 lakh to Rs 10 lakh not exceeding 50 per cent
of the sum insured of the proposer.The sum insured in full will be paid on the first diagnosis of a covered critical illnesses if a person
survives for the survival period applicable to the critical illness, according to the National Insurance Company website
Survival period refers to the number of days a person survives after being diagnosed with a critical illness and varies for depending on
which illness the insured person has acquired.30 days survival period from thedate of diagnosis90 days survival period from the date of
diagnosis30 days survival period from the date of undergoing the procedure6 months permanent impairment from the date of diagnosisCancer of
Specified SeverityStroke resulting in Permanent SymptomsOpen Chest Coronary Artery Bypass Graft SurgeryTotal BlindnessMyocardial Infarction
(First Heart Attack-Of Specified Severity)Permanent Paralysis of LimbsOpen Heart Replacement or Repair of Heart ValvesDeafnessComa of
Specified SeverityMotor Neuron Disease with Permanent SymptomsMajor Organ/ Bone Marrow TransplantLoss of SpeechKidney Failure requiring
offers National Mediclaim Policy to cover against hospitalisation expenses incurred for treatment of illness/disease or injury
contracted/sustained by the insured person during the policy period.
