National Parivar Mediclaim Policy
  • Explore the plan's key features
  • Find out the eligibility criteria
  • Learn its benefits & exclusions
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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 Arogya Mediclaim Plus Policy Specifications

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.

Choose your National Parivar Mediclaim Policy

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


Covered up to 30 days


Covered up to 60 days

Domiciliary Hospitalization


Daycare Treatment

140+ Procedures Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered


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


Maternity Cover


New Born Baby Cover


Alternative Treatments

AYUSH Treatment


IVF Treatment

Not Available

Modern Treatment

25% of SI

Emergency Coverage


Covered up to 2.5K

Air Ambulance

Not covered

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes


Not Available

Health Check-Up


Second Medical Opinion






Up to 25%



What is Room Rent?

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 Policy?

Under National Parivar Mediclaim Policy, the room rent is covered by up to 1% of the SI.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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

What are OPD charges?

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.

What is COVID-19 Treatment?

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 treatment cover is not available under this plan.

What is Cataract Treatment?

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.

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 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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

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.

Coverage status under National Parivar Mediclaim Policy?

Under the plan, Organ Donor Hospitalization, pre and post-hospitalization is covered.

What is a Maternity Cover?

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.

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under National Parivar Mediclaim Policy?

New Born Baby Cover is available in National Parivar Mediclaim Policy.

What is AYUSH Treatment?

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

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 for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under National Parivar Mediclaim Policy?

Not available

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

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.

Coverage status under National Arogya Sanjeevani Plan?

Not covered

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under National Parivar Mediclaim Policy?

Not available

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.

Coverage status under National Parivar Mediclaim Policy?

The plan does not cover the expenses for E-consultation.

What is a Health Checkup?

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.

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.

Coverage status under National Parivar Mediclaim Policy?

The plan covers expenses for Second Medical Opinion.

What is Vaccination cover?

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.

What is Co-payment?

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

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.

Status under National Parivar Mediclaim Policy?

No sub-limits are available

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. 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.

National Parivar Mediclaim Policy Benefits

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


Avail various discounts

Optional Covers

Avail enhanced protection with additional coverage options

Tax Benefits

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

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-ups shall be reimbursed.

Second Medical Opinion

Medical Second Opinion (MSO) for 88 major illnesses.

  • For policy bought online - Discount of 5% on the premium
  • For policy renewed online - A discount of 2.5% on the premium
Optional Covers

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

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.

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Know more about National Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

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Explore other National Health Plans

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.

Unique Features

  • Avail cover up to 50 lakhs
  • Critical Illness benefit
  • 5% Increase in SI

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

  • 12 Modern treatments
  • Maternity cover
  • Lifelong renewability

An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.

Unique Features

  • Infertility treatment cover
  • Vaccination for children
  • Cataract Treatment Covered

National Parivar Mediclaim Plus Policy

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

  • Cover up to 50 Lakhs
  • 5% No claim discount
  • Critical Illness Benefit

Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.

Unique Features

  • Individual/Floater
  • Online purchase discount
  • EMI facility available

National Super Top Up Mediclaim Policy

This policy covers your family members and offers high coverage at affordable prices. The policy has unique features that address all health-related concerns.

Unique Features

  • Organ donation covered
  • Morbid obesity treatment covered
  • Portability allowed

Overseas Mediclaim Business and Holiday

This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.

Unique Features

  • Coverage for business travel
  • Coverage for education abroad
  • Medical evacuation available

Overseas Mediclaim Employment and Study Plan

A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.

Unique Features

  • Medical Evacuation
  • 5k USD medical emergency cover
  • Mental illness cover

National Critical Illness Policy

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

  • Cover up to 75 Lakhs
  • Covers pre-existing conditions
  • 37 critical illnesses covered

National Senior Citizen Mediclaim Policy

If you are looking to secure your parents future this policy is a good choice, providing medical coverage to senior citizens between the age group of 60 to 80 years

Unique Features

  • 5% increase in SI
  • 2 Plan options
  • Covers spouse

Vidyarthi Mediclaim Policy for Students

Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.

Unique Features

  • Covers parents and students
  • Eyesight correction
  • Genetic disorders covered

This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.

Unique Features

  • Covers spouse and dependants
  • 5% discount for healthcare workers
  • 10% discount on online purchases

Health Insurance Articles

National Insurance Parivar Mediclaim Policy: FAQ's

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 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.

Pre-existing Diabetes10% of the claim amount admitted by the insurer for diabetes alone.
Pre-existing Hypertension10% of the claim amount admitted by the insurer for Hypertension alone.
Pre-existing Diabetes and Hypertension25% of the claim amount admitted by the insurer for both Diabetes and Hypertension

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 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.

Period of riskPremium charged
Up to 1 month¼ of the yearly amount of premium
Up to 3 month½ of the yearly amount of premium
Up to 6 month¾ of the yearly amount of premium
Exceeding 6 monthsThe whole amount of premium paid in a year

11. What are some major illnesses for which the 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 tumor, etc.
  • Cancerous - Cancer-related to 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 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 a 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.

Read Reviews & Ratings

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simaranjeet kaur


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.

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Urmil Thakur


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

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Akshay Malhotra


August 18, 2021

I have bought health insurance from National Health Insurance and I am very impressed by their services and attention towards customers.

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Pooja Singh


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 ...

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Bipinchandra Somabhai Patel


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

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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.

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alok kumar de


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...

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Sabhadiya nareshbhai govindbhai


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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