National Critical Illness Plans

• Basic health insurance may not pay for treatment of very serious diseases. The National Critical Illness Policy helps pay for the costs of these serious illnesses. Anyone who is 18 years or older can buy this insurance. Children from 3 months to 18 years can also be covered, but only if their parents have this insurance too. The policy comes in two plans:Plan A: Covers 11 serious illnesses.Plan B: Covers 37 serious illnesses (this includes the 11 illnesses in Plan A).You can choose to insure from Rs 1 lakh up to Rs 75 lakh.

• Plan A Coverage (11 diseases)

  StrokeOpen heart replacementMotor Neurone DiseaseKidney Failure that needs regular dialysisCancerMultiple SclerosisComa of Specified SeverityPermanent Paralysis of LimbsMyocardial Infarction / First heart attackOrgan TransplantationArtery Bypass Graft Surgery

• Plan B (37 Critical Illnesses, including Plan A)

  Progressive Supranuclear PalsyEnd-Stage Lung FailureBrain SurgeryBacterial MeningitisPrimary (Idiopathic) Pulmonary HypertensionMajor Organ / Bone Marrow TransplantApallic SyndromeOpen heart replacementBlindnessCancerCardiomyopathyPrimary Parkinson’s DiseaseLoss of SpeechCreutzfeldt-Jakob Disease (CJD)Multiple System AtrophyMajor Head TraumaComaEnd-Stage Liver FailureSystemic Lupus Erythematosus with Lupus NephritisAorta Graft SurgeryMyocardial Infarction / First heart attackLoss of LimbsStrokeAlzheimer’s DiseasePermanent Limb ParalysisPneumonectomyArtery Bypass Graft SurgeryDeafnessGoodpasture’s SyndromeMultiple SclerosisKidney Failure that needs regular dialysisMotor Neurone DiseaseBenign Brain TumourAplastic AnaemiaEncephalitisCancer

Benefits of National Health Insurance Critical Illness Policy

• This policy helps you if you get any of 37 serious diseases.You and your family can get this insurance.If you are diagnosed with a covered illness, the insurance company gives you a large amount of money all at once.You can also add two extra illnesses to the policy: Total and Permanent Blindness and Permanent Paralysis of Limbs.To get the money, you must live at least 30 days after the illness is diagnosed.The money is paid to you in one single payment.