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National Health Insurance Critical Illness Plans
Critical illness means a serious disease that can cause long-term health problems. Some examples are kidney failure (that needs dialysis), severe cancer, bone marrow transplant, heart surgery, and multiple sclerosis with ongoing symptoms.
There are also other very serious diseases like these. To help in such cases, National Health Insurance offers a Critical Illness Policy. This policy gives you financial help if you are diagnosed with a critical illness.
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
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.
Benefits of National Health Insurance Critical Illness Policy
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FAQs
Anyone who is 18 years or older can buy this plan. Children from 3 months to 18 years old can also be covered, but only if their parents have this insurance. This way, the whole family can be protected.
If you are diagnosed with a covered illness and survive for at least 30 days, you can claim the money. The insurance company will pay you a lump sum, which means one big payment. This money can help you with hospital bills, medicines, or other expenses.
Yes, the policy lets you add two more serious illnesses: total and permanent blindness, and permanent paralysis of limbs. Adding these gives you extra protection for your health. You should check with the insurance company to include these add-ons.
You can choose the amount of money you want to insure, from Rs 1 lakh up to Rs 75 lakh. The amount you pick depends on how much coverage you need and can afford. Higher amounts give more financial help if you get sick.