National Parivar Mediclaim Plus Policy
  • Wide Coverage
  • Up to 50 L SI
  • Avail Maternity Cover
National Health Insurance
premium

Network hospitals

3000+

premium

Incurred claim ratio

102.35%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.3

premium

Pan India Presence

1730

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3000+

premium

Incurred claim ratio

102.35%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.3

premium

Pan India Presence

1730

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. 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

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 1/2/3 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, online purchase discounts, and more. To understand if this policy serves your health care needs and requirements read the article in detail.

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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+

Read more specifications in the brochure.

Benefits Of National Parivar Mediclaim Plus

National Parivar Mediclaim Plus Policy offers a multitude of benefits to its customers that are mentioned below:

  • Optional Covers
    National Parivar Mediclaim Plus Policy offers optional coverage for critical illnesses and outpatient treatments. The cover can be availed by persons between the age of eighteen years and sixty-five years. Critical illness cover is available for up to INR 25 Lakhs and outpatient treatment cover is available for up to INR 25,000. Moreover, Pre-existing Diabetes/Hypertension is also available up to a maximum of 75% of SI.
  • Medical Second Opinion
    Customers who invest in the National Parivar Mediclaim Plus policy can avail second medical opinion for 160 major illnesses.
  • Multiple Discount Options
    There are various discount options available for customers investing in the National Parivar mediclaim plus policy like
    • 7.5% long-term discount
    • Online purchase discount of 5% and
    • 5% no-claim discount on base premium
  • Tax Benefits
    All the 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 has the facility of Reinstatement of the sum insured due to a road traffic accident under all plan options A, B, and C.

National Parivar Mediclaim Plus Eligibility Criteria

The eligibility criteria to purchase the National Parivar Mediclaim Plus Policy is mentioned in the table given below:

Entry Age Minimum: 18 Years
Child: 3 Months
Adult Entry Age Maximum: 65 Years
Child: 18 Years
Relationships Covered Self, Spouse, Dependent Children, Parents, and Parents-in-laws
Policy Tenure 1/2/3 Years
Initial Waiting Period 30 Days

Choose Your National Parivar Mediclaim Plus Plan

The plan provides coverage to its customers for the following specifications mentioned below:

In-patient & Out-patient coverage

Room Rent

Up to 1% of SI

ICU Charges

Up to 2% of SI

Pre-Hospitalization

30 Days

Post-Hospitalization

60 Days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

140+ procedures

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Up to 15% SI or INR 60,000 whichever is lower

No Claim Bonus

Applicable, Increase in SI by 5% of SI per year up to 50% of SI

Automatic Restoration

Not Covered

Daily Hospital Cash

INR 500, max. of 5 days

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Up to SI

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Up to INR 2,500

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

Not Applicable

Sub-limits

Not Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under National Parivar Mediclaim Plus?

Under National Parivar Mediclaim Plus, the room rent is covered:

Plan A - Up to 1% of SI

Plan B - Up to INR 15,000 per day

Plan C - Up to INR 20,000 per day

What are ICU Charges?

TIt is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under National Parivar Mediclaim Plus?

Under National Parivar Mediclaim Plus, ICU charges are covered

Plan A - Up to 2% of SI to a max of INR 15,000 per day

Plan B - Up to INR 15,000 per day

Plan C - Up to INR 20,000 per day

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under National Parivar Mediclaim Plus?

Under National Parivar Mediclaim Plus, pre-hospitalization is covered for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under National Parivar Mediclaim Plus?

National Parivar Mediclaim Plus covers medical expenses incurred during post-hospitalization for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under National Parivar Mediclaim Plus?

National Parivar Mediclaim Plus does not cover domiciliary hospitalizations.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under National Parivar Mediclaim Plus?

National Parivar Mediclaim Plus covers the expenses for 140+ day care procedures.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under National Parivar Mediclaim Plus?

National Parivar Mediclaim Plus does not cover OPD expenses.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under National Parivar Mediclaim Plus?

National Parivar Mediclaim Plus does not cover COVID-19.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under National Parivar Mediclaim Plus?

National Parivar Mediclaim Plus covers Cataract Treatment

Plan A - For each eye – Up to 15% of the sum insured or INR 60,000 whichever is lower

Plan B - For each eye – Up to INR 80,000

Plan C - For each eye – Up to INR 1,00,000

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under National Parivar Mediclaim Plus?

National Parivar Mediclaim Plus offers an additional 5% to the sum insured as a no-claim bonus for each claim-free year, a maximum of up to 50% of the sum insured.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under National Parivar Mediclaim Plus?

National Parivar Mediclaim Plus does not offer automatic restoration benefit

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under National Parivar Mediclaim Plus?

The Daily hospital cash is available under National Parivar Mediclaim Plus

Plan A - INR 500, max. of 5 days

Plan B - INR 800, max. of 5 days

Plan C - INR 1,000, max. of 5 days

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under National Parivar Mediclaim Plus?

Under the plan, National Parivar Mediclaim Plus the organ donor expenses are covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under National Parivar Mediclaim Plus?

Under the National Parivar Mediclaim Plus, Maternity Cover is covered

Plan A - Up to INR 30,000 for normal delivery and INR 50,000 for cesarean section

Plan B - Up to INR 60,000 for normal delivery and INR 75,000 for cesarean section

Plan C - Up to INR 80,000 for normal delivery and INR 100,000 for cesarean section

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under National Parivar Mediclaim Plus?

Under the National Parivar Mediclaim Plus, a newborn baby cover is available.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under National Parivar Mediclaim Plus?

Under the National Parivar Mediclaim Plus, AYUSH treatment is covered up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under National Parivar Mediclaim Plus?

Under the National Parivar Mediclaim Plus, IVF is not available

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under National Parivar Mediclaim Plus?

Under the National Parivar Mediclaim Plus, modern treatment is covered up to 25% of SI for each treatment.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under National Parivar Mediclaim Plus?

Plan A - Up to INR 2,500 in a policy period

Plan B - Up to INR 4,000 in a policy period

Plan C - Up to INR 5,000 in a policy period

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under National Parivar Mediclaim Plus?

Under the National Parivar Mediclaim Plus, the air ambulance is covered only under

Plan B and Plan C - Up to 5% of SI per policy period

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under National Parivar Mediclaim Plus?

Under the National Parivar Mediclaim Plus, compassionate travel is not covered

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under National Parivar Mediclaim Plus?

Under the National Parivar Mediclaim Plus, global coverage is not covered

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under National Parivar Mediclaim Plus?

Under the National Parivar Mediclaim Plus, E-consultation is not covered.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under National Parivar Mediclaim Plus?

Under the National Parivar Mediclaim Plus, health check-up is available

  • Every 2 years, up to INR 1,000
  • Every 2 years, up to INR 2,000
  • Every 2 years, up to INR 3,000
What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under National Parivar Mediclaim Plus?

National Parivar Mediclaim Plus covers the expenses for a second medical opinion

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under National Parivar Mediclaim Plus?

National Parivar Mediclaim Plus does cover vaccination expenses

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under National Parivar Mediclaim Plus?

Co-payment is not applicable

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under National Parivar Mediclaim Plus?

Sub-limits are not available

What Is Not Covered Under National Parivar Mediclaim Plus Policy?

The plan has specific exclusions that are mentioned below in further detail

  • 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.

National Parivar Mediclaim Plus Policy Waiting Periods

There are various waiting periods that need to be fulfilled under National Parivar Mediclaim Plus Policy in order to avail of certain coverage benefits that are 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

Explore other National Health Plans

National Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Standard

If you are looking for a policy that covers you for In-patient treatment expenses and 140+ Day Care Procedures then this plan is the right choice.

Unique Features

  • Avail cover up to 50 lakhs
  • Critical Illness benefit
  • 5% Increase in SI

Mediclaim Policy (Pros)

  • 140+ Daycare Treatments
  • 50% No-Claim Bonus
  • Tax Benefits
  • Online Discounts Available
  • Health Check-up Available

Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

  • COVID Vaccination
  • Flexible-Premium Facility
  • AYUSH Treatment
  • Room Rent Cover
  • Robotic surgeries Cover

Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Comprehensive

This plan suits you best if you are a newly married individual or have dependents like kids or elderly parents as this health plan covers all of them along with you.

Unique Features

  • 12 Modern treatments
  • Maternity cover
  • Lifelong renewability

Mediclaim Policy (Pros)

  • Up to 50 L SI
  • 50% No-Claim Bonus
  • Tax Benefits
  • OPD Treatment Available
  • Health Check-up Available

Mediclaim Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

  • COVID Vaccination
  • Air Ambulance Cover
  • Maternity Cover
  • Hospital Cash Benefit
  • Children Vaccination Available

Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 30 Days

Family Floater

An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.

Unique Features

  • Infertility treatment cover
  • Vaccination for children
  • Cataract Treatment Covered

Parivar Mediclaim Policy (Pros)

  • 140 + day care procedures covered
  • Affordable Premiums
  • Maternity Cover
  • Ambulance Cover
  • Infertility Cover

Parivar Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Parivar Mediclaim Policy (Other Benefits)

  • Organ Donor Expenses
  • Vaccination Cover
  • AYUSH Cover
  • No Pre-Policy Check-Up
  • No Co-Pay

Parivar Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Standard

Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.

Unique Features

  • Individual/Floater
  • Online purchase discount
  • EMI facility available

Arogya Sanjeevani Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • Up to 50% No-claim Bonus
  • Flexible-Premium Payment

Arogya Sanjeevani Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Arogya Sanjeevani Policy (Other Benefits)

  • Enhanced Limits for Room Rent
  • Avail Online Discounts
  • Change Sum Insured
  • Lifelong Renewal
  • AYUSH Treatment

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Super Top-up

This policy covers your family members and offers high coverage at affordable prices.

Unique Features

  • Organ donation covered
  • Morbid obesity treatment covered
  • Portability allowed

Super Top Up Mediclaim Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • HIV/AIDS Cover
  • Obesity Treatment

Super Top Up Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Super Top Up Mediclaim Policy (Other Benefits)

  • No Sub-Limits
  • Tax Benefits
  • No Base Policy Required
  • Multiple Discounts
  • Up to 50% No-Claim Bonus

Super Top Up Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 20 L
  • Waiting Period - 30 Days

Comprehensive

A versatile health insurance policy available on an individual and family floater basis offering various optional covers.

Unique Features

  • No pre-policy Check-up
  • Health Incentives
  • Tax Benefits

Young India Mediclaim Policy (Pros)

  • Multiple Discounts Available
  • Zone Wise Premium
  • COVID Vaccination
  • Daycare Treatment Cover
  • Comprehensive Cover

Young India Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Young India Mediclaim Policy (Other Benefits)

  • High SI
  • Cataract Cover
  • Maternity Cover
  • AYUSH Treatment Cover
  • Personal Accident Cover

Young India Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 43 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Global Coverage

Overseas Mediclaim Business and Holiday

This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.

Unique Features

  • Coverage for business travel
  • Coverage for education abroad
  • Medical evacuation available

Overseas Mediclaim Business and Holiday (Pros)

  • Loss of Baggage Cover
  • Corporate Cover
  • Personal Accident Cover
  • Loss Of Passport Cover
  • Personal Liability Cover

Overseas Mediclaim Business and Holiday (Cons)

  • Hazardous Occupation
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

National OMBH Policy (Other Benefits)

  • Check-in Baggage Delay
  • Tax Benefit
  • Loss Of Check-in Baggage
  • Dental services
  • Permanent Total Disablement

National OMBH Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - N/A
  • Waiting Period - 30 Days

Global Coverage

Overseas Mediclaim Employment and Study Plan

A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.

Unique Features

  • Medical Evacuation
  • 5k USD medical emergency cover
  • Mental illness cover

Overseas Mediclaim Employment and Study Plan (Pros)

  • Illness Expense Cover
  • Accident Cover
  • Medical Evacuation
  • Transportation of Remains
  • Loss of Entire Sight Cover

Overseas Mediclaim Employment and Study Plan (Cons)

  • Hazardous Occupation
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

National OMES Policy (Other Benefits)

  • Permanent Total Disablement
  • Tax Benefit
  • Mental Illness Cover
  • Funeral Expenses
  • Affordable Premiums

National OMES Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - N/A
  • Waiting Period - 30 Days

Critical Illness

National Critical Illness Policy

A unique benefit policy that covers expenses in the event of the insured person being affected with any of the listed critical illnesses.

Unique Features

  • Cover up to 75 Lakhs
  • Covers pre-existing conditions
  • 37 critical illnesses covered

Critical Illness Policy (Pros)

  • High SI
  • Cancer Cover
  • Lump Sum Benefit
  • Short Survival Period
  • Sum Insured Enhancement

Critical Illness Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Critical Illness Policy (Other Benefits)

  • Affordable Premiums
  • Tax Benefit
  • Brain Surgery Cover
  • Alzheimer's Disease
  • Aorta Graft Surgery Cover

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 75 L
  • Waiting Period - 30 Days

Senior citizen

Secure your parents' future by providing medical coverage to senior citizens.

Unique Features

  • 5% increase in SI
  • 2 Plan options
  • Covers spouse

Senior Citizen Mediclaim Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • Up to 50% No-claim Bonus
  • Optional Covers Available

Senior Citizen Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Senior Citizen Mediclaim Policy (Other Benefits)

  • Regular medical consultation
  • Avail Online Discounts
  • AYUSH Treatment
  • Domiciliary Hospitalization
  • Hospital Cash

Senior Citizen Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 65 Years
  • Max Entry Age - 70 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Student Specific

National Vidyarthi Mediclaim Policy

Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.

Unique Features

  • Covers parents and students
  • Eyesight correction
  • Genetic disorders covered

Vidyarthi Mediclaim Policy (Pros)

  • Group Discount
  • 50% No-Claim Bonus
  • Tax Benefits
  • Hospitalization Cover
  • In-Patient Care

Vidyarthi Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Vidyarthi Mediclaim Policy (Other Benefits)

  • 12 Modern Treatment
  • Mental Illness
  • Genetic Disorders Cover
  • Eyesight Correction
  • Pre & Post Hospitalization

Vidyarthi Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 50K to 2 L
  • Waiting Period - 30 Days

COVID-19

This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.

Unique Features

  • Covers spouse and children
  • 5% discount for health staff
  • 10% online discount

Corona Kavach Policy (Pros)

  • Home Care Treatment
  • COVID Care
  • No Sub-Limits
  • No Pre-Policy Check-Up
  • Affordable Premiums

Corona Kavach Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Corona Kavach Policy (Other Benefits)

  • 15 Day Pre Hospitalization Cover
  • 30-Day Post-Hospitalization Cover
  • Discounts Available
  • Tax Benefits
  • Oxygen Cylinder Cover

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Disability Plan

National Divyan Sanjeevani Policy

An indemnity health insurance designed for people falling under the category of disabled, affected with HIV/AIDS, and mental illnesses.

Unique Features

  • No pre-policy check-up
  • Affordable Premiums
  • Tax Benefits

Divyan Sanjeevani Policy (Pros)

  • In-Patient Hospitalization
  • AYUSH Cover
  • Day Care Cover
  • Dental Treatment
  • Modern Treatment

Divyan Sanjeevani Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Divyan Sanjeevani Policy (Other Benefits)

  • Cataract Treatment
  • Acid Attack Cover
  • Blindness Cover
  • Chronic Neurological Cover
  • Ambulance Cover

Divyan Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - Newborn
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

Group Health Plan

It is a group indemnity health insurance plan designed to address the basic health insurance needs of employees.

Unique Features

  • 140+ daycare procedures
  • HIV Cover
  • Affordable Premiums

Group Mediclaim Policy (Pros)

  • SI up to 10 L
  • AYUSH Cover
  • Optional Covers Available
  • Discounts Available
  • Mental Illness Treatment

Group Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Group Mediclaim Policy (Other Benefits)

  • Co-Pay Discounts Available
  • PED Cover
  • 30 Day Pre Hospitalization
  • 60-Day Post Hospitalization
  • Modern Treatment

Group Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - N/A
  • SI - 50k to 10 L
  • Waiting Period - 30 Days

Accident Policy

This policy is designed to cater to high-risk professionals categorized as the normal, medium, and heavy occupational risk of the person.

Unique Features

  • 100% accidental death payout
  • PTD, PPD, TTD benefit
  • Dead body portability

Personal Accident Policy (Pros)

  • Temporary disability treatment
  • Death coverage benefits to the family
  • Loss of organ cover
  • Educational fund
  • Permanent Partial Disability cover

Personal Accident Policy (Cons)

  • PEDs not covered
  • Adventure sports not covered
  • Vaccination not covered
  • Maternity not covered

Personal Accident Policy (Other Benefits)

  • Family discounts available
  • Accidental treatment benefits up to SI
  • Cashless claim settlement
  • Deady body portability

Personal Accident Policy (Eligibility Criteria)

  • Entry age - 5 - 70 Years
  • SI - Upto INR 10 Lakhs
  • Policy tenure - 1 Year
  • Waiting period - None

National Parivar Mediclaim Plus Policy:FAQ's

1. What are the eligibility criteria for National Parivar Mediclaim Plus Policy?

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.

2. What are the various waiting periods mandatory before availing of various coverage benefits under the National Parivar Mediclaim Plus Policy?

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

3. What are the various sum insured options available under the National Parivar Mediclaim Plus Policy?

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.

4. What are the optional covers available under the National Parivar Mediclaim Plus Policy?

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

5. Do customers get tax benefits on purchasing the National Parivar Mediclaim Plus Policy?

Yes, all premiums paid towards the National Parivar Mediclaim Plus Policy are eligible for tax benefits.

Other Health Insurance Companies

Find Out What The Customers Are Saying

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simaranjeet kaur

Jalandhar

March 14, 2022

My father in law lives alone in jalandhar and we wanted an insurance company that take cares of him in our absence. They are very good with their commitment and service.

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Urmil Thakur

Kochi

September 1, 2021

I bought my health plan from National a while back. Recently had to make a claim for hospitalization. I was a little worried but the response time was at best amazing! Thanks guys

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Akshay Malhotra

Gurgaon

August 18, 2021

I have bought health insurance from National Health Insurance and I am very impressed by their services and attention towards customers.

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Pooja Singh

Delhi

May 10, 2021

I will recommend everyone to buy health insurance plan from this company because I am very happy with the plan I purchased from the company. I am using my insurance from two years and till now ...

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Bipinchandra Somabhai Patel

Vadodara

October 26, 2020

I want to portability of United India insurance company individual health mediclaim policy taken since December 2005 and falling due for renewal on 06-12-2020

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Shilpa

Thane

May 6, 2018

I hold a National Parivar Mediclaim insurance plan with National Insurance from last 3 years, i am happy with the coverage value of this policy.

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alok kumar de

Kolkata

October 16, 2017

my varistha mediclaim policy number of which is-150100501610012195 renewed this year but when i want to know my claim claim status online it says wrong policy number then what is the corect num...

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Sabhadiya nareshbhai govindbhai

Surat

September 30, 2017

My father has been admitted in hospital but ypur company not receive my call I inform you for admitted my father date 30/09/2017

View All National Health Insurance Reviews

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.