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Get the Best Health Insurance Plan Online in India

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Most Popular Policies of National Insurance

  • National Insurance Mediclaim Policy
    The National Mediclaim Policy comes with 1 year tenure and the sum insured range between Rs. 50,000 to Rs. 5 lakhs.
    key features of National Mediclaim Policy
    • Lifelong renewal option
    • coverage for Ayurveda and Homeopathic treatment
    • SMS alert for claim updates
    • sum insured increases by 5% for every claim free year
    • 50% reimbursement of pre-policy check-ups cost upon acceptance
    Buy now
  • National Insurance Parivar Mediclaim Policy
    National Insurance Parivar Mediclaim plan offers coverage for expenses due to hospitalization and treatment of the entire family of the proposers.
    key features of National Parivar Mediclaim plan
    • Coverage for existing hypertension and diabetes with additional premium
    • Coverage available for expenses like X-ray, Chemotherapy, Dialysis, Radiotherapy
    • Coverage for expenses before hospitalization up to 15 days
    • Coverage for expenses after hospitalization up to 30 days
    Buy now
  • National Insurance Varistha Mediclaim Policy
    National Varistha Mediclaim policy covers certain critical illness, ailments and accidental injuries of senior citizens.
    key features of National
    • Cataract, organ transplant treatments are covered up to a certain limit
    • Coverage for existing hypertension and diabetes with additional premium
    • Coverage available for expenses like X-ray, Chemotherapy, Dialysis, Radiotherapy
    • Coverage for cancer, stroke, multiple sclerosis are covered without hospitalization
    • Bonus and health check-up cost is available on each claim-free year
    Buy now
  • National Insurance Mediclaim Policy
    The National Mediclaim Policy comes with 1 year tenure and the sum insured range between Rs. 50,000 to Rs. 5 lakhs.
    key features of National Mediclaim Policy
    • Lifelong renewal option
    • coverage for Ayurveda and Homeopathic treatment
    • SMS alert for claim updates
    • sum insured increases by 5% for every claim free year
    • 50% reimbursement of pre-policy check-ups cost upon acceptance
    Buy now

About National Insurance Critical Illness Policy

The term ‘critical’ refers to something that is very dangerous. Whenever say critical, we always know that something very profound is happening and when this big and heavy a word is being attached to another big word, namely, ‘illness’ then we know it for granted that something is terribly wrong with a person. These critical illnesses are the diseases caught by a person which tend to leave his mark forever on the person. Most of them are lengthy diseases which take time to heal while others are very costly diseases.

National Insurance understands the view point of a man when he or she says that the monetary burden on a family for the critical illness is too much. For such cases, they have brought into view the National Insurance Critical Illness policy. This policy can be bought by any oerson who has a family history of any of the six listed critical illness and be safe from the monetary burden. People without a family history of the listed critical illness can also buy the policy for added advantage. There are many features of this policy, among which, the most profound one is that, unlike the other similar kinds of policies in the market, this policy covers six critical illnesses with less exclusions under its wing.

The process of working of the policy:-

The process that this policy carries out is very simple; a total sum of money is being paid on the diagnosis of any of the 6 critical illnesses mentioned in the policy. The only important thing to note is that, the benefactor has to survive for 30 days after the diagnosis of the critical illness by the hospital to make a claim for the money.

Benefits received from the policy:-

  • The amount that will be chosen between Rs. 5 lac and Rs. 25 lac will be available in lump sum to the benefactor to take care of the medical expenses to be incurred due to the 6 major illnesses that are covered under the policy. (not to forget, there are different sub limits for specific diseases)
  • The amount that is insured by the benefactor is paid on the diagnosis of the major critical illness, failing which, nothing is payable later.
  • The compensation that is to be paid for coronary artery surgery is payable upto 20% of the sum insured.

The policy can be bought from:-

If you are satisfied with the features and benefits given by the National Insurance critical illness policy, then you can buy the policy and be benefitted for life. A staff officer is always there to take you through the procedure of buying the policy and explaining all the features that come with it by visiting your home and sitting in front of you.

The main features of the policy:-

Level 1 Rs. 5 lac
Level 2 Rs. 10 lac
Level 3 Rs. 20 lac
Level 4 Rs. 25 lac

There are a few additional features too:-

Along with the many features that this policy brings forth for the benefactor, a very important benefit is there which allows the entire sum assured to be paid out in lump sum on the diagnosis of the same by a registered medical practitioner specializing in any of the 6 major illnesses that are to be covered under the policy. The number of people the policy can cover at once is only one individual benefactor.

The scope of coverage in the policy ranges to:-

national

A few exclusions to the policy are:-

  • One of the most profound exclusions of this policy is the fact that there is a waiting period of about 90 days in the policy within which no claim is to be admitted.
  • The second important exclusion of the policy is that the insured person is supposed to be alive for at least 30 days of diagnosis of the critical illness if they want the claim to be paid out; failing which the claim might not be paid.
  • Pre existing diseases are not covered under the policy.

The eligibility criteria for the policy include:-

With so many features under one policy that is so important to a man, there are a few eligibility criterias for it. In the minimum, the coverage amount or the sum insured has to be Rs. 5,00,000 and for the maximum, it is Rs. 25,00,000. The policy term is of one year after which it is renewable till the age of 65 years. Not only that, the entry age for the policy starts from 20 years in the minimum to 65 years in the maximum.

Other companies providing the same kind of policies include:-

  • Bajaj Allianz Critical illness plan
  • ICICI Lombard critical care plan
  • Star health Criticare plus plan