National Health Personal Accident Policy vs Reliance Specially Abled Health Insurance Plan Health Insurance Plan 2026 | PolicyX

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You can buy the National Insurance personal accident plan on an individual or family floater basis; it acts as a standalone policy. This policy is designed to cater to high-risk professionals and individuals, categorized by normal, medium, and heavy occupational risk. Hence, the payable premium varies in ascending order from normal to heavy-risk individuals. With a guaranteed sum assured, it offers financial coverage related to accidental death. It also covers critical conditions related to accidental injury, such as total disability, depending on the severity of the injury. Additionally, there is an optional cover choice that provides coverage for emergency hospitalization 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.
PLAN DETAILS

National Health Personal Accident Policy

Reliance Specially Abled Health Insurance Plan

Product Type Accident Health Insurance Individual
Key Features
(Key features of the plan)
  • PPD/ PTD & TTD cover
  • Accidental death coverage
  • Assured death payout
  • Insurance for PWDs
  • In-patient/daycare procedures cover
  • Modern treatment cover
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 9100
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 Child: 1 - 17 years, Adult: 18 - 65 years
Plan Premium Entry Age and S/A 1700 2,800
Plan Waiting Period N/A 30
Plan Coverage - -
Plan Sample Premium NA NA
Plan Brochure Brochure URL Brochure URL
Policy Term 1 year 1, 2, 3 years
ICU Charges - -
Covid-19 Treatment - -
Cataract - -
Automatic Restoration - -
Ayush Treatment - -
Modern Treatment - -
E Consultation - -
Air Ambulance - -
Global Coverage - -
Claim Ratio 91.31 87.50
Solvency Ratio -0.67 2.35

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