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National Insurance Critical Illness Policy
| Objective | A standalone critical illness policy that aims to provide financial support in case of contracting any of the listed illnesses. |
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| Suited for | This can be bought by individuals with a family history of any of the listed critical illnesses. Others can also buy this policy for additional coverage. |
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| What does it do? | If the insured contracts any of the critical illnesses, the insurance company will pay a lump sum as agreed upon in the policy document. It covers six critical diseases. In order to make a claim it is necessary that policyholder survives for at least 30 days after confirmed diagnosis of the illness. |
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| Pros | Premium paid towards the policy is eligible for taxation benefits under section 80D of Income Tax Act. |
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| Cons | It covers only six critical illnesses. |
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| Our View | While buying a critical illness policy, one must go for a policy covering maximum number of illnesses with least number of exclusions. This policy offers a narrow coverage by including only six illnesses. Those considering to buy this policy must look at the kind of coverage other insurers are offering. |
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| Eligibility | |||||||
| Entry Age (years) | |||||||
| Minimum | 20 | ||||||
| Maximum | 65 | ||||||
| Coverage Type | Individual | ||||||
| Policy Term (years) | 1 | ||||||
| Sum Insured (Rs) | |||||||
| Maximum | 25 lakh | ||||||
| Minimum | 5 lakh | ||||||
| Customer Service | |||||||
| Address | Head Office: National Insurance Company Limited | ||||||
| Mail to | |||||||
| Call to | 1800 419 4033 | ||||||
| Scope Of Cover | |||
| Critical Illnesses | |||
| Coronary Artery Surgery | covered upto 20% of sum insured | ||
| Cancer | covered | ||
| Renal Failure (failure of both kidneys) | covered | ||
| Stroke | covered | ||
| Multiple Sclerosis | covered | ||
| Major organ transplants like lung, kidney, pancreas or bone marrow | covered | ||
| Exclusions and Waiting Period | |||
| Pre-existing illnesses | not covered | ||
| Survival period | 30 days after confirm diagnosis of critical illness for making a claim | ||
| Waiting period | any illness during first 90 days from inception of the policy will not be covered | ||
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Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.
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