National Parivar Mediclaim Policy
  • Explore the plan’s key features
  • Find out the eligibility criteria
  • Learn its benefits & exclusions
National Parivar Mediclaim Policy
Network hospitals

Network hospitals

3200+

Incurred claim ratio

Incurred claim ratio

91.31%

Sum insured

Sum insured

Up to 2 Crores

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

0.3

Pan India Presence

Pan India Presence

850+

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Age of Eldest Member

National Parivar Mediclaim Policy

National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family floater plan that provides coverage for various illnesses or accidents. The benefits of the policy can be availed by any of the family members covered in the plan.

National Parivar Mediclaim Policy covers expenses in respect of inpatient treatment (allopathy, Ayurveda, and homeopathy), domiciliary hospitalization, reasonably and customarily incurred for treatment of a disease or an injury contracted/sustained during the policy period. The Policy also covers pre-hospitalization and post-hospitalization expenses, 140+ day care procedures/surgeries, organ donor's medical expenses, hospital cash, ambulance charges, anti rabies vaccination, maternity expenses, infertility expenses, and medical second opinion.

Pre-existing Diabetes and/or Hypertension, Outpatient Treatment, and Critical Illness are provided as Optional Covers.

National Health Insurance Detailed Review

National Parivar Mediclaim Policy

National Parivar Mediclaim Policy Specifications

To understand National Parivar Mediclaim Policy Insurance in detail, take a look at the below table:

Entry Age

Min: 3 Months, Max: 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

1 L | 3 L | 5 L | 7 L | 9 L | 10 L

Initial 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.

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Choose Your National Parivar Mediclaim Policy

With wide coverage options available, National Parivar Mediclaim Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

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

Covered

Sub-limits

Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

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

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

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

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

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 or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

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

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

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. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

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

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 settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

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

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.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

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.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

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.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

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. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

National Parivar Mediclaim Policy Optional Cover

National Mediclaim Parivar Policy offers policyholders optional covers like pre-existing diabetes/ hypertension, outpatient treatment, and critical illness.

  1. Pre-existing Diabetes

    The company shall pay expenses for treatment of diabetes and/ or hypertension, if pre-existing, from the inception of the policy. On completion of continuous forty-eight months of insurance, the additional premium and co-payment shall not apply.

  2. Outpatient Treatments

    The company shall pay up to the limit, as stated in the schedule with respect to:
    • Out-patient consultations by a medical practitioner
    • Diagnostic tests prescribed by a medical practitioner
    • Medicines/drugs prescribed by a medical practitioner
    • Out-patient dental treatment
  3. Benefits

    The company shall pay the benefit amount, as stated in the schedule, provided that:

    • The insured person is first diagnosed as suffering from a critical illness (as defined) during the policy period, and
    • The insured person survives for at least thirty days following such diagnosis
    • Diagnosis of critical illness is supported by clinical, radiological, histological, and laboratory evidence acceptable to the company.

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National Parivar Mediclaim Policy Exclusions

National Parivar Mediclaim Policy has certain limitations and exclusions involved. Read below to know more.

Surgery/procedures for weight control.

Cosmetic/Plastic surgery unless required after an accident, burns, or cancer.

Adventure Sports.

Infertility and In vitro fertilization.

National Parivar Mediclaim Policy Benefits

  • Tax Benefits

    Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
  • Discounts

    Avail 10% discount for eligible family members. Youth Discount- Avail 10% discount if the insured or spouse of the insured person is aged between 18 (eighteen) to 25 (twenty five) years. Avail 5% discount on the purchase of National Mediclaim Plus..
  • Second Medical Opinion

    Medical Second Opinion (MSO) for 88 major illnesses.
  • Optional Covers

    National Parivar Mediclaim Policy offers optional coverage like Pre-existing Diabetes and/or Hypertension, Outpatient Treatment, and Critical Illness.
  • Health Incentives

    The plan lets the policyholder earn up to 50% of their SI as Health Returns if they follow a healthy lifestyle and stay fit. Expenses of health check up shall be reimbursed.

Explore other National Health Insurance

To cater to the different medical needs of an individual & their family, National Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to National Health Insurance plans explore more:

Individual and Family Health Insurance

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....

Unique Features

  • Multiple Plan Options
  • Up to 50 L SI
  • Avail Maternity Cover

National Parivar Mediclaim Plus Policy (Pros)

National Parivar Mediclaim Plus Policy
  • Multiple Discount Options
  • Tax Benefits
  • Road Accident Cover

National Parivar Mediclaim Plus Policy (Cons)

National Parivar Mediclaim Plus Policy
  • Hazardous or Adventure Sports
  • Treatment for Alcoholism
  • Drug or Substance Abuse

National Parivar Mediclaim Plus Policy (Other Benefits)

National Parivar Mediclaim Plus Policy
  • Maternity Cover
  • Infertility Treatment
  • Vaccination for Children
  • Obesity

National Parivar Mediclaim Plus Policy (Eligibility Criteria)

National Parivar Mediclaim Plus Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Young India Mediclaim Policy, an indemnity-based insurance policy is available as an individual and family floater health plan. A standard he...

Unique Features

  • Maternity Cover
  • Cataract Cover
  • High SI

National Young India Mediclaim Policy (Pros)

National Young India Mediclaim Policy
  • Room Rent Cover
  • Day Care Procedure
  • AYUSH Treatment

National Young India Mediclaim Policy (Cons)

National Young India Mediclaim Policy
  • Morbid Obesity Treatment
  • Illegal Activites
  • Adventure Sports

National Young India Mediclaim Policy (Other Benefits)

National Young India Mediclaim Policy
  • Cumulative Bonus
  • Wellness Discount
  • Long Term Discount

National Young India Mediclaim Policy (Eligibility Criteria)

National Young India Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 43 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Group Health Insurance

Buying individual health insurance may seem hectic for some of us, as the monthly premiums might be a pain for our pockets. Here comes the contributio...

Unique Features

  • Coverage for modern treatment
  • Covers HIV/AIDS treatment
  • Covers 140+ daycare procedures

National Insurance Group Mediclaim Policy (Pros)

National Insurance Group Mediclaim Policy
  • 140+ daycare procedure
  • HIV cover
  • Affordable premiums
  • AYUSH cover

National Insurance Group Mediclaim Policy (Cons)

National Insurance Group Mediclaim Policy
  • Treatment outside India
  • OPD diagnostic
  • Adventure sport injuries
  • Injuries due to illegal activity

National Insurance Group Mediclaim Policy (Other Benefits)

National Insurance Group Mediclaim Policy
  • Co-pay discounts available
  • PED cover
  • 30 day pre-hospitalisation
  • Modern treatment

National Insurance Group Mediclaim Policy (Eligibility Criteria)

National Insurance Group Mediclaim Policy
  • Entry age- 3 Months
  • Max entry age- N/A
  • SI- 50K to 10 L
  • Waiting Period- 30 days

Accident Health Insurance

You can buy the National Insurance personal accident plan on an individual or family floater basis that acts as a standalone policy. This policy is de...

Unique Features

  • PPD/ PTD & TTD cover
  • Accidental death coverage
  • Assured death payout

National Personal Accident Policy (Pros)

National Personal Accident Policy
  • 100% accidental death payout
  • PTD benefit
  • PPD benefit
  • TTD benefit

National Personal Accident Policy (Cons)

National Personal Accident Policy
  • PEDs not cover
  • Adventure sports not covered
  • Vaccination not covered

National Personal Accident Policy (Other Benefits)

National Personal Accident Policy
  • Mortal remains portability
  • Death coverage benefits
  • Loss of organ cover
  • Educational fund

National Personal Accident Policy (Eligibility Criteria)

National Personal Accident Policy
  • Entry age: 5-70 years
  • SI: Upto INR 10 lakh
  • Policy tenure: 1 year
  • Waiting period: None

Individual and Family Health Insurance

National Medicliam Plus Policy is a high sum insured policy that indemnifies for In-patient treatment expenses and 140+ Day Care Procedures/surgeries,...

Unique Features

  • National Mediclaim Plus features
  • Learn about the eligibility criteria
  • Exclusions & claim process

National Mediclaim Plus Policy (Pros)

National Mediclaim Plus Policy
  • 12 modern treatment covered
  • Maternity covered
  • Lifelong renewability

National Mediclaim Plus Policy (Cons)

National Mediclaim Plus Policy
  • Pre-existing diseases
  • Treatment outside India
  • Adventure sports injury

National Mediclaim Plus Policy (Other Benefits)

National Mediclaim Plus Policy
  • COVID vaccination
  • Air ambulance
  • Hospital cash benefit

National Mediclaim Plus Policy (Eligibility Criteria)

National Mediclaim Plus Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to the policyholders. This plan was la...

Unique Features

  • National Mediclaim plan features and benefits
  • Eligibility criteria
  • Easy claim process

National Mediclaim Policy (Pros)

National Mediclaim Policy
  • All-Inclusive Coverage
  • Maternity Benefits
  • No Claim Bonus

National Mediclaim Policy (Cons)

National Mediclaim Policy
  • Cosmetic Surgery
  • IVF
  • Dental Treatment

National Mediclaim Policy (Other Benefits)

National Mediclaim Policy
  • Tax Benefits
  • Avail 10% Discount
  • Health Incentives

National Mediclaim Policy (Eligibility Criteria)

National Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family floater plan that pro...

Unique Features

  • Explore the plan’s key features
  • Find out the eligibility criteria
  • Learn its benefits & exclusions

National Parivar Mediclaim Policy (Pros)

National Parivar Mediclaim Policy
  • Infertility treatment cover
  • Vaccination covered
  • Ambulance covered
  • Cataract covered

National Parivar Mediclaim Policy (Cons)

National Parivar Mediclaim Policy
  • Treatment outside India
  • OPD diagnosis
  • Adventure sports

National Parivar Mediclaim Policy (Other Benefits)

National Parivar Mediclaim Policy
  • AYUSH cover
  • No co-pay
  • Vaccination

National Parivar Mediclaim Policy (Eligibility Criteria)

National Parivar Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, having Sum Insured up to 10...

Unique Features

  • Understand the plan features
  • Learn about its eligibility criteria
  • Know more about its exclusions

National Arogya Sanjeevani Policy (Pros)

National Arogya Sanjeevani Policy
  • Online purchase dicount
  • EMI facility available
  • High SI
  • Affordable premium

National Arogya Sanjeevani Policy (Cons)

National Arogya Sanjeevani Policy
  • Treatment outside India
  • OPD diagnostics
  • Adventure sport injuries
  • Injury due to illegal activities

National Arogya Sanjeevani Policy (Other Benefits)

National Arogya Sanjeevani Policy
  • Enhanced limits for room rent
  • Avail online discounts
  • Change sum insured
  • Lifelong renewal

National Arogya Sanjeevani Policy (Eligibility Criteria)

National Arogya Sanjeevani Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Critical Illness Health Insurance

The deadly virus called 'COVID-19' has proved to be an eye-opener for all of us in understanding the importance of protecting our family's health. Eve...

Unique Features

  • Corona Kavach features and benefits
  • Eligibility requirements
  • Buying process of the plan

National Corona Kavach Policy (Pros)

National Corona Kavach Policy
  • Covers spouse and children
  • Home care treatment
  • No sub-limit

National Corona Kavach Policy (Cons)

National Corona Kavach Policy
  • Treatment outside India
  • OPD diagnosis
  • Injury due to illegal activity

National Corona Kavach Policy (Other Benefits)

National Corona Kavach Policy
  • 15 day pre hospitalisation
  • Discount available
  • Tax benefit

National Corona Kavach Policy (Eligibility Criteria)

National Corona Kavach Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 L

Top Up and Super Top Up

National Super Top Up Mediclaim Policy is a high threshold health insurance product, covering the members of a family under a single sum insured on fl...

Unique Features

  • Super Top-up Mediclaim features and benefits
  • Eligibility criteria
  • Modern treatment cover

Super Top-up Mediclaim Policy (Pros)

Super Top-up Mediclaim Policy
  • Organ donation covered
  • Morbid obesity treatment covered
  • Portability allowed
  • High SI

Super Top-up Mediclaim Policy (Cons)

Super Top-up Mediclaim Policy
  • Treatment outside India
  • OPD diagnosis
  • Adventure sport injuries

Super Top-up Mediclaim Policy (Other Benefits)

Super Top-up Mediclaim Policy
  • Affordable premiums
  • Tax benefits
  • HIV/AIDS cover

Super Top-up Mediclaim Policy (Eligibility Criteria)

Super Top-up Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 20 L

Senior Citizen Health Insurance

National Senior Citizen Mediclaim Policy is a plan especially designed and launched for senior citizens, allowing them to live a relaxed life post-re...

Unique Features

  • Plan options available
  • Domiciliary hospitalization
  • Modern treatments

National Senior Citizen Policy (Pros)

National Senior Citizen Policy
  • Reinstatement of Sum Insured
  • Cataract
  • Ambulance Cover

National Senior Citizen Policy (Cons)

National Senior Citizen Policy
  • Obesity
  • Adventure Sports
  • Illegal Activities

National Senior Citizen Policy (Other Benefits)

National Senior Citizen Policy
  • Hospital Cash
  • Doctor’s Home Visit
  • Funeral Expenses

National Senior Citizen Policy (Eligibility Criteria)

National Senior Citizen Policy
  • Min entry age: 60 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

National Insurance Parivar Mediclaim Policy: FAQs

1. Will, the company pay for the pre-policy expenses?

Yes, the company is liable to pay 50% of the expenses that arise out of pre-policy check-up.

2. What kind of check-ups are done in pre-policy check-ups?

The policyholders, if required had to undergo the following check-ups: Physical examination Blood sugar and lipid profile Urine and microscopic examination ECG Eye check-up Serum creatinine There may be a possibility of additional examination as demanded by the company.

3. What are the waiting periods in the policy?

There are certain diseases mentioned in the policy that go through waiting periods. 4 years of waiting- Pre-existing diseases like diabetes, hypertension, joint replacement (not by accident) are covered after 48 months from the starting date of the policy. 2 years of waiting- Ailments such as cataract, hysterectomy, non-infective arthritis, piles, hernia, Sinusitis, calculus, diabetes, hypertension, surgeries of the gallbladder and genito-urinary, etc. are covered after passing of 24 months. 30 days waiting- If the insured suffered any illness or injuries in the first thirty days of the policy, then he will not get any reimbursement for the expenses incurred.

4. What is the time limit to inform the TPA of a cashless claim?

In the case of planned hospitalization, the insured is given a time limit of 72 hours to inform before the patient is hospitalised into the network hospital. In the case of emergency hospitalization, the insured have to notify the insurer within 24 hours immediately after the hospitalisation of the patient into the network hospital.

5. What is the notification period for reimbursement of a claim?

For planned and domiciliary hospitalization, the insurance provider has to be notified at least 72 hours before the admission process of the patient takes place. For emergency and domiciliary hospitalization, a time limit of 24 hours is given to update the insurer after the admission to the network provider. For Anti-Rabies Vaccination, the insurer must be notified at least 24 hours before the vaccination takes place.

6. What is co-payment?

When the insured is bound to pay some percentage of the claim as determined during the purchase of the policy, it is called co-payment.

7. Are there any co-payments in the optional cover of Pre-existing Diabetes/Hypertension?

Yes, the insured person has to pay for the co-payments while buying this optional cover.

8. What are the different zones in the policy?

The premium paid by the insured is according to the Zone selected. There are 4 Zones in total. Zone I: Includes the Metropolitan area of Mumbai and the whole of Gujarat Zone II: Delhi NCR, Chandigarh, Pune Zone III: Chennai, Hyderabad, Kolkata Zone IV: Remaining parts of India

9. What copayment is involved in availing treatment outside of the selected Zone?

If Zone I is selected, the treatment is taken in zone II, Zone III, Zone IV is free of any copayment. If zone II is selected, then the treatment carried out in zone II, Zone III, Zone IV is free of copayment. While the treatment in Zone I will subject to a copayment of 5% of the claim. If zone III is selected, then the treatment carried out in Zone III, Zone IV is free of copayment. Whereas treatment availed in zone II and Zone I will subject to a copayment of 7.5% and 12.5%, respectively. If zone IV is selected, then the treatment carried out in Zone IV is free of copayment. On the other side, if the treatment is availed in Zone III/ Zone II/ Zone I, then copayment percentages will be 10%/ 17.5%/ 22.5%, respectively.

10. How much premium is charged in case we cancel the policy?

If you cancel your policy, the insurance company will charge a cancellation cost on the premium submitted for a year. The rate will be determined on the period of risk.

11. What are some major illnesses for which a second opinion can be availed?

The major illnesses have been categorized as follows: Non-Cancerous - AIDS/HIV, coronary artery, Elephantiasis, liver and lung diseases, kidney and liver failure, paralysis, heart disease, stroke, cirrhosis, brain tumour, etc. Cancerous - Cancer-related to the breast, eye, thyroid, bladder, cervical, lung, kidney, skin, uterine, stomach, pancreas, ovary, etc.

12. Can I renew the National Parivar Mediclaim policy after the age of 65 years?

Yes, you can renew this policy after the age of 65 years as it offers lifelong renewability to its policyholders.

13. Are maternity expenses covered under the National Parivar Mediclaim policy?

Yes. National Parivar Mediclaim policy covers maternity and newborn expenses up to 10% of the total sum insured, up to a maximum of INR 30,000 for normal delivery and INR 50,000 in the case of a C-section.

14. What are the sum insured options offered by the National Insurance Parivar Mediclaim policy?

National Insurance Parivar Mediclaim Policy offers a variety of sum insured options between INR 1 Lakh and INR 10 Lakhs.

15. What are the sum insured options available under this policy?

National Parivar Mediclaim Policy comes with a variety of sum insured options ranging between Rs. 1 Lakh and Rs. 10 Lakh which you can choose as per your requirement.

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.