National Health Personal Accident Policy vs Women Specific Critical Illness 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

Women Specific Critical Illness Plan

Product Type Accident Health Insurance Critical Illness Health Insurance
Key Features
(Key features of the plan)
  • PPD/ PTD & TTD cover
  • Accidental death coverage
  • Assured death payout
  • Critical illness coverage for women
  • Loss of job cover
  • Children education benefits
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
- Not Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
- Not Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
- Not Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
- Not Covered
Post-hospitalization
(Expenses after discharge from the hospital)
- Not Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
- Not Covered
Hospital_network
(Number of Hospital Network in city)
3200 18400
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
- Not Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
- Not Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
- Not Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
- Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
- Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
- Not Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
- Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
- Covered
Plan Entry Age 5 years - 70 years 21 years - 65 Years
Plan Premium Entry Age and S/A 1700 18000
Plan Waiting Period N/A 90
Plan Coverage - Critical illness lump sum, Congenital disability cover, Child education payout, Loss of job benefit
Plan Sample Premium NA 18000
Plan Brochure Brochure URL Brochure URL
Policy Term 1 year 1, 2, 3 years
ICU Charges - Not Covered
Covid-19 Treatment - Not Covered
Cataract - Not Covered
Automatic Restoration - Not Covered
Ayush Treatment - Not Covered
Modern Treatment - Not Covered
E Consultation - Not Covered
Air Ambulance - Not Covered
Global Coverage - Not Covered
Claim Ratio 91.31 99.23
Solvency Ratio -0.67 3.25

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