Network hospitals
3000+
Incurred claim ratio
102.35%
Sum insured
Up to 50 Lakh
No. of Plans
13
Solvency Ratio
0.3
Pan India Presence
1730
Network hospitals
3000+
Incurred claim ratio
102.35%
Sum insured
Up to 50 Lakh
No. of Plans
13
Solvency Ratio
0.3
Pan India Presence
1730
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
Children Entry Age
Min: 3 Months, Max: 18 years
Adult Entry Age
Min: 18 years, Max: 65 Years
Sum Insured
1 L | 2 L | 3 L | 4 L | 5 L | 7 L | 8 L| 9 L | 10 L
Plan Type
Family Floater
Policy Term
1/2/3 years
Initial Waiting Period
30 Days*
*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.
With wide coverage options, National Parivar Mediclaim Policy is a versatile plan covering all your family members for their medical needs.
In-patient & Out-patient coverage
Room Rent
1% of SI
ICU Charges
2% of SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered
Daycare Treatment
140+ Procedures Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Up to 10% of SI
No Claim Bonus
5% discount on renewal of policy
Automatic Restoration
Not Applicable
Daily Hospital Cash
Up to INR 300
Organ Donor
Covered
Maternity Cover
Available
New Born Baby Cover
Available
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Available
Modern Treatment
25% of SI
Emergency Coverage
Ambulance
Covered up to 2.5K
Air Ambulance
Not covered
Compassionate Travel
Not Available
Global Coverage
Not Available
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Available
Second Medical Opinion
Covered
Vaccination
Covered
Limitations
Co-payment
Up to 25%
Sub-limits
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 Policy?
Under National Parivar Mediclaim Policy, the room rent is covered by up to 1% of the SI.
TIt is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under National Parivar Mediclaim Policy?
Under this plan, ICU charges coverage is available up to 2% of the SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under National Parivar Mediclaim Policy?
This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under National Parivar Mediclaim Policy?
This plan 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 Policy?
Under National Parivar Mediclaim Policy, domiciliary hospitalizations are available for up to 20% of SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under National Parivar Mediclaim Policy?
This plan covers expenses of 140+ daycare procedures
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under National Parivar Mediclaim Policy?
Not covered under the plan.
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 Policy?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under National Parivar Mediclaim Policy?
Under this plan, you get covered for cataract treatment for Up to 10% of SI or INR 50,000 whichever is lower.
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 Policy?
The plan offers a 5% discount on the base premium.
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 Policy?
The plan does not offer automatic restoration.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under National Parivar Mediclaim Policy?
The Daily hospital cash of INR 300 max. Of 5 days is available.
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 Policy?
Under the plan, Organ Donor Hospitalization, pre and post-hospitalization is covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under National Parivar Mediclaim Policy?
The maternity cover available under this plan offers Up to 10% of SI subject to INR 30,000 in case of normal delivery and INR 50,000 in case of 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 Policy?
New Born Baby Cover is available in National Parivar Mediclaim Policy.
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 Policy?
AYUSH treatment is covered under this plan 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 Policy?
Not available
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under National Parivar Mediclaim Policy?
Modern Treatment is covered for up to 25% of SI.
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 Policy?
This plan covers Ambulance charges up to INR 2500.
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 Arogya Sanjeevani Plan?
Not covered
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 Policy?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under National Parivar Mediclaim Policy?
Not available
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 Policy?
The plan does not cover the expenses for E-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under National Parivar Mediclaim Policy?
The plan offers a Health Check-up benefit for every 4 claim-free years.
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 Policy?
The plan covers expenses for Second Medical Opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under National Parivar Mediclaim Policy?
The plan offers vaccination coverage to newborn baby.
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.
Status under National Parivar Mediclaim Policy?
If opted, the policyholder may choose either of the two copayment options-
20% Co-payment on each admissible claim, with a 15% discount on premium
15% Co-payment on each admissible claim, with a 10% discount on premium
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.
Status under National Parivar Mediclaim Policy?
No sub-limits are available
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:
3. The company shall pay the benefit amount, as stated in the schedule, provided that:
Tax Benefits
Get tax relief under section 80D
Health Incentives
Get rewarded for your healthy lifestyle & avail regular health checkups
Second Medical Opinion
Avail Second Medical Opinion
Discounts
Avail various discounts
Optional Covers
Avail enhanced protection with additional coverage options
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
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-ups shall be reimbursed.
Medical Second Opinion (MSO) for 88 major illnesses.
National Parivar Mediclaim Policy offers optional coverage like Pre-existing Diabetes and/or Hypertension, Outpatient Treatment, and Critical Illness.
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 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
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
Family Floater
If you are looking for a healthcare policy providing a high sum assured and covers your family members under one cover this is the right policy for you.
Unique Features
Standard
Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.
Unique Features
Super Top-up
This policy covers your family members and offers high coverage at affordable prices.
Unique Features
Comprehensive
A versatile health insurance policy available on an individual and family floater basis offering various optional covers.
Unique Features
Global Coverage
This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.
Unique Features
Global Coverage
A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.
Unique Features
Critical Illness
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
Senior citizen
Secure your parents' future by providing medical coverage to senior citizens.
Unique Features
Student Specific
Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.
Unique Features
COVID-19
This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.
Unique Features
Disability Plan
An indemnity health insurance designed for people falling under the category of disabled, affected with HIV/AIDS, and mental illnesses.
Unique Features
Group Health Plan
It is a group indemnity health insurance plan designed to address the basic health insurance needs of employees.
Unique Features
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
See More Health Insurance Articles
See More Health Insurance Articles
Yes, the company is liable to pay 50% of the expenses that arise out of pre-policy check-up.
The policyholders, if required had to undergo the following check-ups:
There are certain diseases mentioned in the policy that go through waiting periods.
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.
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.
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.
Yes, the insured person has to pay for the co-payments while buying this optional cover.
Cover | Copayment |
Pre-existing Diabetes | 10% of the claim amount admitted by the insurer for diabetes alone. |
Pre-existing Hypertension | 10% of the claim amount admitted by the insurer for Hypertension alone. |
Pre-existing Diabetes and Hypertension | 25% of the claim amount admitted by the insurer for both Diabetes and Hypertension |
The premium paid by the insured is according to the Zone selected. There are 4 Zones in total.
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.
Period of risk | Premium charged |
Up to 1 month | ¼ of the yearly amount of premium |
Up to 3 month | ½ of the yearly amount of premium |
Up to 6 month | ¾ of the yearly amount of premium |
Exceeding 6 months | The whole amount of premium paid in a year |
The major illnesses have been categorized as follows:
Yes, you can renew this policy after the age of 65 years as it offers lifelong renewability to its policyholders.
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 a normal delivery and INR 50,000 in the case of a C-section.
National Insurance Parivar Mediclaim Policy offers a variety of sum insured options between INR 1 Lakh and INR 10 Lakhs.
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.
4.4
Rated by 2628 customers
Select Your Rating
Let us know about your experience or any feedback that might help us serve you better in future.
You May Also Know About
Do you have any thoughts you’d like to share?