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National Senior Citizen Policy
National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retirement. It c…
- Reinstatement of Sum Insured
- Cataract
- Ambulance Cover
National Health Insurance
National Parivar Mediclaim Plus Policy
National Parivar Mediclaim Plus is a versatile family floater health i ...Read More
Up to 2 Crores
Sum insured
1
No. of plans
850+
Pan India presence
91.31%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 3,200+ hospitals
📊 -0.67 solvency ratio
✅ 91.31% claim settlement
About National Parivar Mediclaim Plus Policy
A quick read on what this National Health Insurance plan covers and why it might be a fit for you.
National Parivar Mediclaim Plus is a versatile family floater health insurance policy that comes in three different plan options: A, B, and C. The plan offers different sum insured options under these plan options:
- Plan Option A - 6 | 7 | 8 | 9 | 10 Lakhs
- Plan Option B - 15 | 20 | 25 Lakhs
- Plan Option C - 30 | 40 | 50 Lakhs
The National Parivar Mediclaim Plus policy offers comprehensive coverage to all your family members under a single sum insured. The plan covers 140+ daycare procedures, in-patient hospitalization, air ambulance, maternity expenses, and more. This policy comes with critical illness and outpatient treatment optional covers with varying sub-limits. Individuals can purchase this policy for 1, 2, or 3 years within the age bracket of 18 to 65 years. National Parivar Mediclaim Plus Policy offers multiple discount benefits to customers like no-claim, long-term, and online purchase discounts. To understand if this policy serves your healthcare needs and requirements, read the article in detail.
National Parivar Mediclaim Plus Policy At A Glance
- Plan Type: Family Floater
- Sum Insured:
- Plan Option A: 6 | 7 | 8 | 9 | 10 Lakhs
- Plan Option B: 15 | 20 | 25 Lakhs
- Plan Option C: 30 | 40 | 50 Lakhs
- Network Hospitals: 3000+
- Optional Cover: Critical Illness and Outpatient Treatment
- No Claim Bonus: 5% every claim-free year
- Day Care Procedures: 140+
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 months to 65 years
Plan type
Family Floater Health Insurance
Sum insured options
₹6 L, ₹10 L, ₹20 L, ₹50 L
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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Multiple Discount Options
- Tax Benefits
- Road Accident Cover
Cons
- Hazardous or Adventure Sports
- Treatment for Alcoholism
- Drug or Substance Abuse
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Not covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
National Health Insurance
This video explains National Health Insurance in detail.
Benefits of National Parivar Mediclaim Plus
National Parivar Mediclaim Plus Policy offers a multitude of benefits to its customers, as mentioned below:
-
Optional Covers
National Parivar Mediclaim Plus Policy offers optional coverage for critical illnesses and outpatient treatments. This cover can be availed by persons between 18 and 65 years of age. Critical illness cover is available for up to INR 25 Lakhs, and outpatient treatment cover is available for up to INR 25,000. Moreover, coverage for pre-existing Diabetes/Hypertension is also available up to a maximum of 75% of the Sum Insured.
-
Medical Second Opinion
Customers who invest in the National Parivar Mediclaim Plus policy can avail a second medical opinion for 160 major illnesses.
-
Multiple Discount Options
Various discount options are available for customers investing in the National Parivar Mediclaim Plus policy, such as:
- 7.5% long-term discount
- 5% online purchase discount
- 5% no-claim discount on the base premium
-
Tax Benefits
All premiums paid towards the National Insurance Parivar Mediclaim Plus policy are eligible for tax benefits under the Income Tax Act.
-
Road Accident Cover
In case an insured individual meets a road accident, the National Parivar Mediclaim Plus provides for the reinstatement of the sum insured under all plan options A, B, and C.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Hazardous or Adventure Sports
- Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent
- Treatment for Alcoholism, drug or substance abuse, or any addictive condition and consequences
- Treatment for intentional self-inflicted injury, attempted suicide
- Dental treatment unless necessitated due to an Injury
- Spectacles, contact lens, hearing aid, cochlear implants
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 years
- Max entry age: 65 years
- Initial Waiting Period: 30 days
- Sum Insured: Up to 50 Lakhs
Other features & benefits
National Parivar Mediclaim Plus Policy Waiting Periods
There are various waiting periods that must be fulfilled under the National Parivar Mediclaim Plus Policy to avail of certain coverage benefits, as mentioned below:
- Pre-existing diseases: 36 months
- Maternity Cover: 2 years
- Hypertension/Diabetes/Cardiac ailments: 90 days
- Infertility Treatment: 2 years
- Vaccination for Children: 2 years
- Obesity: 4 years
National Parivar Mediclaim Plus Policy: FAQs
The 5 most-asked questions about National Parivar Mediclaim Plus Policy, answered.
The eligibility criteria for the National Parivar Mediclaim Plus policy is 18 to 65 years for adults and 3 months to 18 years for dependent children.
There are certain waiting periods under the plan that are as follows Pre-existing diseases - 36 Months Maternity Cover - 2 Years Hypertension/Diabetes/Cardiac ailments - 90 Days Infertility Treatment - 2 Years Vaccination for Children - 2 Years Obesity - 4 Years
There are 3 plan options available for customers to opt from namely, Plan A, Plan B, and Plan C with sum insured options ranging between INR 6 to 50 Lakhs.
There are certain optional coverages available like critical illness coverage under which benefit amount - INR 2,00,000/ 3,00,000/ 5,00,000/ 10,00,000/ 15,00,000/ 20,00,000/ 25,00,000 is available in addition to the SI outpatient treatment cover under which benefit amounts - INR 2,000/ 3,000/ 4,000/ 5,000/ 10,000/ 15,000/ 20,000/ 25,000 in addition to the SI and Pre-Existing Diseases are covered Up to a maximum of 75% of SI
Yes, all premiums paid towards the National Parivar Mediclaim Plus Policy are eligible for tax benefits.
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