Network hospitals
3000+
Claim settlement ratio
86.28%
Sum insured
Up to 5 Lakh
No. of Plans
14
Solvency Ratio
0.31
Pan India Presence
1730
Network hospitals
3000+
Claim settlement ratio
86.28%
Sum insured
Up to 5 Lakh
No. of Plans
14
Solvency Ratio
0.31
Pan India Presence
1730
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
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.
National Health Insurance
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+ |
National Parivar Mediclaim Plus Policy offers a multitude of benefits to its customers that are mentioned below:
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 |
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
In-patient & Out-patient coverage
Room Rent
Up to INR 15,000 per day
ICU Charges
Up to INR 15,000 per day
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
For each eye – Up to INR 80,000
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 800, 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 4,000
Air Ambulance
Up to 5% of SI
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
In-patient & Out-patient coverage
Room Rent
Up to INR 20,000 per day
ICU Charges
Up to INR 20,000 per day
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
For each eye – Up to INR 1,00,000
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 1,000, 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 5,000
Air Ambulance
Up to 5% of SI
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
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:
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
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:
Coverage status under National Parivar Mediclaim Plus?
Under the National Parivar Mediclaim Plus, a newborn baby cover is available.
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under National Parivar Mediclaim Plus?
Under the National Parivar Mediclaim Plus, IVF is not available
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
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
The plan has specific exclusions that are mentioned below in further detail
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
National Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
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.
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A unique benefit policy that covers expenses in the event of the insured person being affected with any of the listed critical illnesses.
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This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.
Unique Features
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
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
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.
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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.
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
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.
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 ...
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
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.
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...
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
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