National Parivar Mediclaim Plus Policy

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

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

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.

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.

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.

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.

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.

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.

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

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.

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

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

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.

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

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.

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.

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

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

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

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

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.

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

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

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

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

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