National Parivar Mediclaim Plus Policy

National Parivar Mediclaim Plus Policy: An Overview

National Parivar Mediclaim Plus is a versatile family floater health insurance policy available in three plan options: A, B, and C. The plan offers different sum insured options:

• Plan Option A: 6, 7, 8, 9, or 10 Lakhs
• Plan Option B: 15, 20, or 25 Lakhs
• Plan Option C: 30, 40, or 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 as 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, such as 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, or 10 Lakhs
  • Plan Option B: 15, 20, or 25 Lakhs
  • Plan Option C: 30, 40, or 50 Lakhs
• Network Hospitals: 3000+
• Optional Covers: Critical Illness and Outpatient Treatment
• No Claim Bonus: 5% every claim-free year
• Day Care Procedures: 140+

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.

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 or attempted suicide
• Dental treatment unless necessitated due to an injury
• Spectacles, contact lenses, hearing aids, or cochlear implants

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