National Parivar Mediclaim Policy Plus

The unbelievable price hikes and inflation have made every person's life difficult. Moreover, it is harder to bear the high-end medical treatment expenses in the present day and age. Keeping this concern in mind, National Insurance Company supports every customer financially at the hour of need. Whether you or your loved one is suffering from a critical disease, the National Insurance Parivar Mediclaim Policy Plus can take care of all.

Amidst the costly health insurance plans with high premium rate, this plan provided by National Insurance Company is a blessing to many. Having the benefit of traditional health insurance, the high or critical treatment costs are covered, too. The plan is easily available to a large population. Additionally, people are widely benefitting out of it for satisfying basic human necessities.

Advantages Of National Parivar Mediclaim Policy Plus

For protecting your children, spouse, parents and yourself in one health insurance plan, National Parivar Mediclaim Policy Plus is the best option. Covering pre-existing diseases to maternity benefits, the health plan has gained much popularity over the years.

Are you looking for a compounded health insurance policy which can provide security to each family member including you? If you desire to invest in a policy along with high allowance offering cover for non-allopathic treatments, you should know all about National Parivar Medical Policy Plus. For this very reason, let us spend a little time to be acquainted with the advantages acquired from this health policy.

Features of Parivar Mediclaim Policy Plus

Deviating from the basic health insurance plans, the policy offers coverage for pre-existing diseases. Of course, there is a waiting period of 3 years for enjoying the pre-existing treatment cover. There is a reinstatement of sum insured only if the policyholder comes across a road accident. Apart from these features, take a look at the other important ones,

  • Organ donor’s expenses are covered. Also, the plan reimburses costs for vaccination for the children till the age of 12 years.
  • Maternity benefit is available after having completed two years. Also, infertility treatment cost (up to Rs. 50,000) or infant is covered under the health plan. The cover comes with Rs. 30,000 for normal delivery and Rs. 50,000 for caesarean delivery, along with daycare process and OPD charges.
  • Non-allopathic treatments are generally not covered under basic health insurance plans. However, here you can get insurance coverage against Homeopathy and Ayurveda. Keep in mind to get treated at a recognised hospital for unlocking the benefit.
  • Medical emergency and air ambulance expenses are also covered under the National Parivar Mediclaim Policy Plus online. The pre-hospitalisation charge is covered for 30 days and post-hospital is for 60 days.
  • One medical second view for critical disorders within 1 policy period.

Other Features

ExpensesPlan APlan BPlan C
Hospital Cash AllowanceRs. 500 for 5 days.Rs. 1000 days for 5 days.Rs. 2000 for 5 days.
Cataract SurgeryRs. 60,000 and limit will be lower than 15% of the sum insured.Rs. 80,000Rs. 1,00,000
Health check-upsRs. 5000 for every 2 years.Rs. 7,500 for every 2 years.Rs. 10,000 for every 2 years.
Ambulance ExpensesRs. 2,500Rs. 4000Rs. 5,000

Benefits of National Parivar Mediclaim Policy Plus

The health insurance plan India is present with multiple benefits for providing the customers what they truly deserve.

Discounts

You can get 5% discount on National Parivar Mediclaim Policy Plus premium if bought online @2.5% for renewal policies. Long term discount - @4% for a two years’ term policy & @7.5% for a three years’ term policy. Discount in lieu of Maternity/ Infertility cover after 45 years of age- @3% on the base premium for self and spouse. Zonal discount - @4.4% for opting for Zone –II, @11.11% for opting for Zone- III, @20% for option for Zone-IV

Sum Insured

While renewing the policy, you can increase the sum insured amount. It may increase up to 50% at the end.

Exclusions Of National Parivar Mediclaim Policy Plus

The policy does not provide cover for the following things,

  • HIV/AIDS
  • Congenital disorders
  • Alcohol addiction or substance use
  • Cosmetic procedure, plastic surgery or sex change operation

Eligibility Criteria for National Parivar Mediclaim Plus Plus Policy

Before applying for the health insurance policy, learn whether if you are eligible for it,

Age entryChildren - 3 months to 18 years
Adult - 18 years to 65 years
Sum insuredPlan A - Rs. 6/7/8/9/10 lakhs
Plan B - Rs. 15 lakhs, 20 lakhs or 25 lakhs
Plan C - Rs. 30 lakhs, 40 lakhs and 50 lakhs
Policy period1 year Max – 3 years
Policy BasisFamily floater or individual

FAQ's on National Parivar Mediclaim Policy Plus

What does pre-policy check up a stand for?

If the policyholder’s age is 40 years, the person needs to undergo pre-policy checkup. However, there are other two factors for undertaking this case,

  • Choosing SI Rs. 6 lakhs or more
  • Having critical disorder optional cover in between the age of 18 and 65 years National Insurance Company will pay 50% of the cost incurred due to the pre-policy checkup.

What are the reports to be submitted for a pre-policy checkup?

For the check-up, you may submit a physical examination report verified by a doctor having minimum MD qualification. You also need to submit Lipid profile, ECG, urine routine and microscopic examination, HbA1c, eye check-up and serum creatinine.

Which documents should I submit while applying for National Parivar Mediclaim Policy Plus?

You can choose any of these documents to apply for the Parivar Mediclaim Plus,

  • For identity - PAN Card, Voter ID, Passport or Driving license
  • For address - Telephone bill, electricity bill, letter recognised by public authority, ratio card or employer’s certificate.

Whom can I include under National Parivar Mediclaim Policy Plus?

Apart from yourself, you can involve your legally adopted or legitimate children and spouse and parents under the same plan. Also, the plan covers your female child until her employment or marriage. For the male child, he is included in the plan until he becomes 18 years old.