National Personal Accident Policy

You can buy the National Insurance personal accident plan on an individual or family floater basis that acts as a standalone policy. This policy is designed to cater to high-risk professionals/individuals categorized as the normal, medium, and heavy risk of the occupation involvement of the person. Hence, the payable premium varies from normal to heavy-risk individual/s in an ascending order.

With a guaranteed sum assured, it offers financial coverage related to accidental death. Also, it covers the critical conditions related to accidental injury such as total disability depending on the severity of injury. Additionally, if there is an optional cover choice that provides coverage for emergency hospitalisation related to an accident, with an extra payable premium. Read further to learn more about the eligibility requirements, coverage benefits, inclusions, exclusions, and more about the National Insurance personal accident plan.

National Health Insurance Detailed Review

National Personal Accident Policy Specifications

To understand National Personal Accident Policy Insurance in detail, take a look at the below table:

Entry Age

5 years - 70 years

Policy Type

Accident Health Insurance

Sum Insured

10 L

Initial Waiting Period*

N/A Days

Renewability

Lifelong

Policy Term

1 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Benefits of National Insurance Personal Accident Policy

Before investing in this policy, know about the major benefits of personal accident policy under National Insurance:

Accidental benefits

The plan covers several conditions of accident/s, the criteria and coverage of which are mentioned below:
- Accidental death - payout 100% of the sum insured
- Permanent total disablement - payout 100% of the sum insured
- Permanent partial disablement - payout as per the policy terms' specified limit
- Temporary total disablement - payout 1% of the sum insured up to 104 weeks at maximum, out of which the maximum weekly benefit limit should not exceed INR 5,000
Loss of body parts

For the loss of limbs, two eyes or one limb and one eye, the payout goes up to 100% of the sum insured. And, for the loss of one limb or one eye, get a payout of 50% of the overall sum insured.
Dead body mobility

If the policyholder dies outside their native place, the insurer will reimburse transporting charges of their dead body up to 2% of the sum insured at a maximum of INR 1,000.
Educational fund

The policy pays out for the education continuation for a maximum of 2 children up to 10% of the total sum insured not exceeding INR 5,000 for each child.
Additional benefits

The policy allows reimbursement of medical expenses up to 10% of the basic sum insured or 40% at maximum for admissible hospitalisation expenses caused due to an accident.
No-claim bonus

There's a facility of availing a 5% bonus against each claim-free year up to a sum insured of 50% on further renewals.
Discount

You can get up to a 10% family discount on premiums if your family members (up to 6 individual/s) are included in the same individual policy.
Tax benefits

Avail a tax benefit on the overall premium paid towards your National Insurance accidental policy, tax benefits under Section 80D of the Income Tax Act, 1961.

Exclusions: National Insurance Personal Accident Policy

Read here, the common exclusions of the National Insurance accidental policy:

Pre-existing disease/disability

Intentional self-injury or an act of suicide/suicidal attempts

Drug abuse and alcoholic reasons for injury/death

Insanity

Maternity/newborn expenses

Cumulative bonus for death only benefit

Breach of law/unlawful activity, intention of criminal act

Check out the detailed exclusions in the policy's terms & conditions.

Explore other National Health Insurance

To cater to the different medical needs of an individual & their family, National Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to National Health Insurance plans explore more:

Individual and Family Health Insurance

National Parivar Mediclaim Plus Policy

National Parivar mediclaim plus is a versatile family floater health insurance policy that comes in three different plan options that are A, B, and C....

Unique Features

Multiple Plan Options
Up to 50 L SI
Avail Maternity Cover

National Parivar Mediclaim Plus Policy (Pros)

Multiple Discount Options
Tax Benefits
Road Accident Cover

National Parivar Mediclaim Plus Policy (Cons)

Hazardous or Adventure Sports
Treatment for Alcoholism
Drug or Substance Abuse

National Parivar Mediclaim Plus Policy (Other Benefits)

Maternity Cover
Infertility Treatment
Vaccination for Children
Obesity

National Parivar Mediclaim Plus Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Young India Mediclaim Policy

National Young India Mediclaim Policy, an indemnity-based insurance policy is available as an individual and family floater health plan. A standard he...

Unique Features

Maternity Cover
Cataract Cover
High SI

National Young India Mediclaim Policy (Pros)

Room Rent Cover
Day Care Procedure
AYUSH Treatment

National Young India Mediclaim Policy (Cons)

Morbid Obesity Treatment
Illegal Activites
Adventure Sports

National Young India Mediclaim Policy (Other Benefits)

Cumulative Bonus
Wellness Discount
Long Term Discount

National Young India Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 43 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Group Health Insurance

National Insurance Group Mediclaim Policy

Buying individual health insurance may seem hectic for some of us, as the monthly premiums might be a pain for our pockets. Here comes the contributio...

Unique Features

Coverage for modern treatment
Covers HIV/AIDS treatment
Covers 140+ daycare procedures

National Insurance Group Mediclaim Policy (Pros)

140+ daycare procedure
HIV cover
Affordable premiums
AYUSH cover

National Insurance Group Mediclaim Policy (Cons)

Treatment outside India
OPD diagnostic
Adventure sport injuries
Injuries due to illegal activity

National Insurance Group Mediclaim Policy (Other Benefits)

Co-pay discounts available
PED cover
30 day pre-hospitalisation
Modern treatment

National Insurance Group Mediclaim Policy (Eligibility Criteria)

Entry age- 3 Months
Max entry age- N/A
SI- 50K to 10 L
Waiting Period- 30 days

Accident Health Insurance

National Personal Accident Policy

You can buy the National Insurance personal accident plan on an individual or family floater basis that acts as a standalone policy. This policy is de...

Unique Features

PPD/ PTD & TTD cover
Accidental death coverage
Assured death payout

National Personal Accident Policy (Pros)

100% accidental death payout
PTD benefit
PPD benefit
TTD benefit

National Personal Accident Policy (Cons)

PEDs not cover
Adventure sports not covered
Vaccination not covered

National Personal Accident Policy (Other Benefits)

Mortal remains portability
Death coverage benefits
Loss of organ cover
Educational fund

National Personal Accident Policy (Eligibility Criteria)

Entry age: 5-70 years
SI: Upto INR 10 lakh
Policy tenure: 1 year
Waiting period: None

Individual and Family Health Insurance

National Mediclaim Plus Policy

National Medicliam Plus Policy is a high sum insured policy that indemnifies for In-patient treatment expenses and 140+ Day Care Procedures/surgeries,...

Unique Features

National Mediclaim Plus features
Learn about the eligibility criteria
Exclusions & claim process

National Mediclaim Plus Policy (Pros)

12 modern treatment covered
Maternity covered
Lifelong renewability

National Mediclaim Plus Policy (Cons)

Pre-existing diseases
Treatment outside India
Adventure sports injury

National Mediclaim Plus Policy (Other Benefits)

COVID vaccination
Air ambulance
Hospital cash benefit

National Mediclaim Plus Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Mediclaim Policy

National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to the policyholders. This plan was la...

Unique Features

National Mediclaim plan features and benefits
Eligibility criteria
Easy claim process

National Mediclaim Policy (Pros)

All-Inclusive Coverage
Maternity Benefits
No Claim Bonus

National Mediclaim Policy (Cons)

Cosmetic Surgery
IVF
Dental Treatment

National Mediclaim Policy (Other Benefits)

Tax Benefits
Avail 10% Discount
Health Incentives

National Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Parivar Mediclaim Policy

National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family floater plan that pro...

Unique Features

Explore the plan’s key features
Find out the eligibility criteria
Learn its benefits & exclusions

National Parivar Mediclaim Policy (Pros)

Infertility treatment cover
Vaccination covered
Ambulance covered
Cataract covered

National Parivar Mediclaim Policy (Cons)

Treatment outside India
OPD diagnosis
Adventure sports

National Parivar Mediclaim Policy (Other Benefits)

AYUSH cover
No co-pay
Vaccination

National Parivar Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Arogya Sanjeevani Policy

National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, having Sum Insured up to 10...

Unique Features

Understand the plan features
Learn about its eligibility criteria
Know more about its exclusions

National Arogya Sanjeevani Policy (Pros)

Online purchase dicount
EMI facility available
High SI
Affordable premium

National Arogya Sanjeevani Policy (Cons)

Treatment outside India
OPD diagnostics
Adventure sport injuries
Injury due to illegal activities

National Arogya Sanjeevani Policy (Other Benefits)

Enhanced limits for room rent
Avail online discounts
Change sum insured
Lifelong renewal

National Arogya Sanjeevani Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Critical Illness Health Insurance

National Corona Kavach Policy

The deadly virus called 'COVID-19' has proved to be an eye-opener for all of us in understanding the importance of protecting our family's health. Eve...

Unique Features

Corona Kavach features and benefits
Eligibility requirements
Buying process of the plan

National Corona Kavach Policy (Pros)

Covers spouse and children
Home care treatment
No sub-limit

National Corona Kavach Policy (Cons)

Treatment outside India
OPD diagnosis
Injury due to illegal activity

National Corona Kavach Policy (Other Benefits)

15 day pre hospitalisation
Discount available
Tax benefit

National Corona Kavach Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Top Up and Super Top Up

Super Top-up Mediclaim Policy

National Super Top Up Mediclaim Policy is a high threshold health insurance product, covering the members of a family under a single sum insured on fl...

Unique Features

Super Top-up Mediclaim features and benefits
Eligibility criteria
Modern treatment cover

Super Top-up Mediclaim Policy (Pros)

Organ donation covered
Morbid obesity treatment covered
Portability allowed
High SI

Super Top-up Mediclaim Policy (Cons)

Treatment outside India
OPD diagnosis
Adventure sport injuries

Super Top-up Mediclaim Policy (Other Benefits)

Affordable premiums
Tax benefits
HIV/AIDS cover

Super Top-up Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 20 L

Senior Citizen Health Insurance

National Senior Citizen Policy

National Senior Citizen Mediclaim Policy is a plan especially designed and launched for senior citizens, allowing them to live a relaxed life post-re...

Unique Features

Plan options available
Domiciliary hospitalization
Modern treatments

National Senior Citizen Policy (Pros)

Reinstatement of Sum Insured
Cataract
Ambulance Cover

National Senior Citizen Policy (Cons)

Obesity
Adventure Sports
Illegal Activities

National Senior Citizen Policy (Other Benefits)

Hospital Cash
Doctor’s Home Visit
Funeral Expenses

National Senior Citizen Policy (Eligibility Criteria)

Min entry age: 60 Years
Max entry age: 80 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

National Insurance Personal Accident Policy: FAQs

1. Who can purchase the National Insurance accident policy?

Anyone within 5 - 70 years of age, especially those who have an occupational risk of getting into an accidental mishap must buy this policy.

2. What are the categories of risk with a National Insurance accidental insurance plan?

The risk classes under this plan are classified into three sections, such as: Normal risk- Doctors, bureaucrats, lawyers, consultants, bankers, etc. Medium risk- Drivers, veterinary doctors, consulting engineers, heavy-vehicle and machinery operators, mechanical engineers, etc. High risk- Person working in kilns, explosive areas, circus, adventure sports trainers, heavy sportspersons, etc

3. What is the waiting period for the National Insurance accident plan?

There is no specified waiting period for getting coverage of accidental causes, as the accidental conditions are covered from day 1.

4. Is there any grace period for this policy?

Yes, the grace period for the National personal accidental insurance policy is 30 days.

5. What is the maximum age limit for National Insurance personal accident policy renewal?

The maximum renewal age for the National Insurance accidental policy is 70 years.

National Personal Accident Policy

National Health Insurance Detailed Review

National Personal Accident Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Benefits of National Insurance Personal Accident Policy

Accidental benefits

Loss of body parts

Dead body mobility

Educational fund

Additional benefits

No-claim bonus

Discount

Tax benefits

Exclusions: National Insurance Personal Accident Policy

Explore other National Health Insurance

National Parivar Mediclaim Plus Policy (Pros)

National Parivar Mediclaim Plus Policy (Cons)

National Parivar Mediclaim Plus Policy (Other Benefits)

National Parivar Mediclaim Plus Policy (Eligibility Criteria)

National Young India Mediclaim Policy (Pros)

National Young India Mediclaim Policy (Cons)

National Young India Mediclaim Policy (Other Benefits)

National Young India Mediclaim Policy (Eligibility Criteria)

National Insurance Group Mediclaim Policy (Pros)

National Insurance Group Mediclaim Policy (Cons)

National Insurance Group Mediclaim Policy (Other Benefits)

National Insurance Group Mediclaim Policy (Eligibility Criteria)

National Personal Accident Policy (Pros)

National Personal Accident Policy (Cons)

National Personal Accident Policy (Other Benefits)

National Personal Accident Policy (Eligibility Criteria)

National Mediclaim Plus Policy (Pros)

National Mediclaim Plus Policy (Cons)

National Mediclaim Plus Policy (Other Benefits)

National Mediclaim Plus Policy (Eligibility Criteria)

National Mediclaim Policy (Pros)

National Mediclaim Policy (Cons)

National Mediclaim Policy (Other Benefits)

National Mediclaim Policy (Eligibility Criteria)

National Parivar Mediclaim Policy (Pros)

National Parivar Mediclaim Policy (Cons)

National Parivar Mediclaim Policy (Other Benefits)

National Parivar Mediclaim Policy (Eligibility Criteria)

National Arogya Sanjeevani Policy (Pros)

National Arogya Sanjeevani Policy (Cons)

National Arogya Sanjeevani Policy (Other Benefits)

National Arogya Sanjeevani Policy (Eligibility Criteria)

National Corona Kavach Policy (Pros)

National Corona Kavach Policy (Cons)

National Corona Kavach Policy (Other Benefits)

National Corona Kavach Policy (Eligibility Criteria)

Super Top-up Mediclaim Policy (Pros)

Super Top-up Mediclaim Policy (Cons)

Super Top-up Mediclaim Policy (Other Benefits)

Super Top-up Mediclaim Policy (Eligibility Criteria)

National Senior Citizen Policy (Pros)

National Senior Citizen Policy (Cons)

National Senior Citizen Policy (Other Benefits)

National Senior Citizen Policy (Eligibility Criteria)

National Insurance Personal Accident Policy: FAQs

1. Who can purchase the National Insurance accident policy?

2. What are the categories of risk with a National Insurance accidental insurance plan?

3. What is the waiting period for the National Insurance accident plan?

4. Is there any grace period for this policy?

5. What is the maximum age limit for National Insurance personal accident policy renewal?

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