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 provides coverage for various illnesses or accidents. The benefits of the policy can be availed by any of the family members covered in the plan.

National Parivar Mediclaim Policy covers expenses in respect of inpatient treatment (allopathy, Ayurveda, and homeopathy), domiciliary hospitalization, reasonably and customarily incurred for treatment of a disease or an injury contracted/sustained during the policy period. The Policy also covers pre-hospitalization and post-hospitalization expenses, 140+ day care procedures/surgeries, organ donor’s medical expenses, hospital cash, ambulance charges, anti rabies vaccination, maternity expenses, infertility expenses, and medical second opinion.

Pre-existing Diabetes and/or Hypertension, Outpatient Treatment, and Critical Illness are provided as Optional Covers.

National Parivar Mediclaim Policy Specifications

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

Entry Age

Min: 3 Months, Max: 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

1 L | 3 L | 5 L | 7 L | 9 L | 10 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1/2/3 years

*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.

Choose Your National Parivar Mediclaim Policy

With wide coverage options available, National Parivar Mediclaim Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Covered

Sub-limits

Covered

National Parivar Mediclaim Policy Optional Cover

National Mediclaim Parivar Policy offers policyholders optional covers like pre-existing diabetes/ hypertension, outpatient treatment, and critical illness.

Pre-existing Diabetes

The company shall pay expenses for treatment of diabetes and/ or hypertension, if pre-existing, from the inception of the policy. On completion of continuous forty-eight months of insurance, the additional premium and co-payment shall not apply.
Outpatient Treatments
The company shall pay up to the limit, as stated in the schedule with respect to:
- Out-patient consultations by a medical practitioner
- Diagnostic tests prescribed by a medical practitioner
- Medicines/drugs prescribed by a medical practitioner
- Out-patient dental treatment
Benefits

The company shall pay the benefit amount, as stated in the schedule, provided that:
- The insured person is first diagnosed as suffering from a critical illness (as defined) during the policy period, and
- The insured person survives for at least thirty days following such diagnosis
- Diagnosis of critical illness is supported by clinical, radiological, histological, and laboratory evidence acceptable to the company.

National Parivar Mediclaim Policy Exclusions

National Parivar Mediclaim Policy has certain limitations and exclusions involved. Read below to know more.

Surgery/procedures for weight control.

Cosmetic/Plastic surgery unless required after an accident, burns, or cancer.

Adventure Sports.

Infertility and In vitro fertilization.

National Parivar Mediclaim Policy Benefits

Tax Benefits
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Discounts
Avail 10% discount for eligible family members. Youth Discount- Avail 10% discount if the insured or spouse of the insured person is aged between 18 (eighteen) to 25 (twenty five) years. Avail 5% discount on the purchase of National Mediclaim Plus..
Second Medical Opinion
Medical Second Opinion (MSO) for 88 major illnesses.
Optional Covers
National Parivar Mediclaim Policy offers optional coverage like Pre-existing Diabetes and/or Hypertension, Outpatient Treatment, and Critical Illness.
Health Incentives
The plan lets the policyholder earn up to 50% of their SI as Health Returns if they follow a healthy lifestyle and stay fit. Expenses of health check up shall be reimbursed.

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/surge...

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 tha...

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 Parivar Mediclaim Policy: FAQs

1. Will, the company pay for the pre-policy expenses?

Yes, the company is liable to pay 50% of the expenses that arise out of pre-policy check-up.

2. What kind of check-ups are done in pre-policy check-ups?

The policyholders, if required had to undergo the following check-ups: Physical examination Blood sugar and lipid profile Urine and microscopic examination ECG Eye check-up Serum creatinine There may be a possibility of additional examination as demanded by the company.

3. What are the waiting periods in the policy?

There are certain diseases mentioned in the policy that go through waiting periods. 4 years of waiting- Pre-existing diseases like diabetes, hypertension, joint replacement (not by accident) are covered after 48 months from the starting date of the policy. 2 years of waiting- Ailments such as cataract, hysterectomy, non-infective arthritis, piles, hernia, Sinusitis, calculus, diabetes, hypertension, surgeries of the gallbladder and genito-urinary, etc. are covered after passing of 24 months. 30 days waiting- If the insured suffered any illness or injuries in the first thirty days of the policy, then he will not get any reimbursement for the expenses incurred.

4. What is the time limit to inform the TPA of a cashless claim?

In the case of planned hospitalization, the insured is given a time limit of 72 hours to inform before the patient is hospitalised into the network hospital. In the case of emergency hospitalization, the insured have to notify the insurer within 24 hours immediately after the hospitalisation of the patient into the network hospital.

5. What is the notification period for reimbursement of a claim?

For planned and domiciliary hospitalization, the insurance provider has to be notified at least 72 hours before the admission process of the patient takes place. For emergency and domiciliary hospitalization, a time limit of 24 hours is given to update the insurer after the admission to the network provider. For Anti-Rabies Vaccination, the insurer must be notified at least 24 hours before the vaccination takes place.

6. What is co-payment?

When the insured is bound to pay some percentage of the claim as determined during the purchase of the policy, it is called co-payment.

7. Are there any co-payments in the optional cover of Pre-existing Diabetes/Hypertension?

Yes, the insured person has to pay for the co-payments while buying this optional cover.

8. What are the different zones in the policy?

The premium paid by the insured is according to the Zone selected. There are 4 Zones in total. Zone I: Includes the Metropolitan area of Mumbai and the whole of Gujarat Zone II: Delhi NCR, Chandigarh, Pune Zone III: Chennai, Hyderabad, Kolkata Zone IV: Remaining parts of India

9. What copayment is involved in availing treatment outside of the selected Zone?

If Zone I is selected, the treatment is taken in zone II, Zone III, Zone IV is free of any copayment. If zone II is selected, then the treatment carried out in zone II, Zone III, Zone IV is free of copayment. While the treatment in Zone I will subject to a copayment of 5% of the claim. If zone III is selected, then the treatment carried out in Zone III, Zone IV is free of copayment. Whereas treatment availed in zone II and Zone I will subject to a copayment of 7.5% and 12.5%, respectively. If zone IV is selected, then the treatment carried out in Zone IV is free of copayment. On the other side, if the treatment is availed in Zone III/ Zone II/ Zone I, then copayment percentages will be 10%/ 17.5%/ 22.5%, respectively.

10. How much premium is charged in case we cancel the policy?

If you cancel your policy, the insurance company will charge a cancellation cost on the premium submitted for a year. The rate will be determined on the period of risk.

11. What are some major illnesses for which a second opinion can be availed?

The major illnesses have been categorized as follows: Non-Cancerous - AIDS/HIV, coronary artery, Elephantiasis, liver and lung diseases, kidney and liver failure, paralysis, heart disease, stroke, cirrhosis, brain tumour, etc. Cancerous - Cancer-related to the breast, eye, thyroid, bladder, cervical, lung, kidney, skin, uterine, stomach, pancreas, ovary, etc.

12. Can I renew the National Parivar Mediclaim policy after the age of 65 years?

Yes, you can renew this policy after the age of 65 years as it offers lifelong renewability to its policyholders.

13. Are maternity expenses covered under the National Parivar Mediclaim policy?

Yes. National Parivar Mediclaim policy covers maternity and newborn expenses up to 10% of the total sum insured, up to a maximum of INR 30,000 for normal delivery and INR 50,000 in the case of a C-section.

14. What are the sum insured options offered by the National Insurance Parivar Mediclaim policy?

National Insurance Parivar Mediclaim Policy offers a variety of sum insured options between INR 1 Lakh and INR 10 Lakhs.

15. What are the sum insured options available under this policy?

National Parivar Mediclaim Policy comes with a variety of sum insured options ranging between Rs. 1 Lakh and Rs. 10 Lakh which you can choose as per your requirement.

National Parivar Mediclaim Policy

National Parivar Mediclaim Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your National Parivar Mediclaim Policy

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

National Parivar Mediclaim Policy Optional Cover

Pre-existing Diabetes

Outpatient Treatments

Benefits

Recommended Videos

National Parivar Mediclaim Policy Exclusions

National Parivar Mediclaim Policy Benefits

Tax Benefits

Discounts

Second Medical Opinion

Optional Covers

Health Incentives

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 Parivar Mediclaim Policy: FAQs

1. Will, the company pay for the pre-policy expenses?

2. What kind of check-ups are done in pre-policy check-ups?

3. What are the waiting periods in the policy?

4. What is the time limit to inform the TPA of a cashless claim?

5. What is the notification period for reimbursement of a claim?

6. What is co-payment?

7. Are there any co-payments in the optional cover of Pre-existing Diabetes/Hypertension?