National Health Personal Accident Policy
vs
Icici Lombard Group Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 National Health Personal Accident Policy |
 Icici Lombard Group Plan |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | - |
| Hospital_network (Number of Hospital Network in city) |
3200 | 10800 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | - |
| Plan Entry Age | 5 years - 70 years | Min- 180 days, Max- 95 years |
| Plan Premium Entry Age and S/A | NA | NA |
| Plan Waiting Period | N/A | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | NA | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1 Year |
| ICU Charges | - | - |
| Covid-19 Treatment | - | - |
| Cataract | - | - |
| Automatic Restoration | - | - |
| Ayush Treatment | - | - |
| Modern Treatment | - | - |
| E Consultation | - | - |
| Air Ambulance | - | - |
| Global Coverage | - | - |
| Claim Ratio | 91.31 | 98.53 |
| Solvency Ratio | 0.3 | 2.5 |
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.
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