National Critical Illness Policy

Policy Details: Todays fast paced life is making people fall prey to critical illnesses such as cancer, stroke, etc. that jeopardize health and financials. A basic health insurance policy may not be adequate to cover the cost of treatment as well as the expensive recovery process associated with these critical illnesses.
National Critical Illness Policy is a unique benefit policy that covers expenses in the event of the insured person being affected with any of the listed critical illnesses.

A Critical Illness benefit policy provides a fixed lump sum amount to the insured in case of diagnosis of a specified illness or on undergoing a specified procedure/treatment.
Once this lump sum is paid, coverage for this disease ceases to remain in force.

Highlights

The Policy is available under two Plans
Plan A Covering 11 Critical Illnesses (hyperlink for list of diseases)
Plan B Covering 37 Critical Illnesses (including Plan A) (hyperlink for list of diseases)

Each family member should opt for same Plan.
Sum Insured range Rs.1,00,000 to 75,00,000/-
Entry Age 18 to 65 years
Who can be covered Self, Spouse, dependent children and Parents
Provision to cover pre-existing conditions on payment of additional premium.
Life Long Renewability
Portability (migration) allowed from/to similar products as per IRDAI guidelines.

Pre Policy Check Up

For Whom
Proposers Forty five (45) years and above or
Opting for SI INR 25 L and above, irrespective of age of the individual
Non- earning spouse, opting for SI more than INR 5 lakh,

List of Tests/Reports

1. Physical examination, including height and weight to calculate BMI
(report to be signed by Doctor with minimum MD (Medicine)
qualification)
2. HbA1c
3. Lipid profile
4. Serum creatinine
5. Urine routine and microscopic examination
6. ECG
7. Eye check-up (including retinoscopy)
8. Any other test required by the company and considered necessary

Note: The date of medical reports should not exceed 30 days prior to the date of proposal. 50% of the expenses incurred for pre policy check-up shall be reimbursed, if the proposal is accepted. Terms and conditions apply.

Exclusions
Waiting Period - the first three months
Any Critical Illness PRE-EXISTING before inception of the Policy.
Non Payable Conditions, Any Critical Illness resulting out of the following:
Congenital, Genetic Disorders, Sterility, Infertility, Assisted Conception
Pregnancy
Non Prescribed Drug & Drug Addiction
Self-Inflicted Injury
AIDS, HIV
Cosmetic Treatment, Plastic Surgery, Sex Change, Hormone Replacement Therapy