National Parivar Mediclaim Policy: Plans, Benefits & Premiums | PolicyX
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National Parivar Mediclaim Policy

This is a family floater plan that provides coverage for various illne ...Read More

Up to 2 Crores
Sum insured
1
No. of plans
850+
Pan India presence
91.31%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,705 reviews
🏥 3,200+ hospitals
📊 -0.67 solvency ratio
✅ 91.31% claim settlement

About National Parivar Mediclaim Policy

A quick read on what this National Health Insurance plan covers and why it might be a fit for you.

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.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min: 3 Months, Max: 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹3 L, ₹5 L, ₹7 L, ₹9 L, ₹10 L
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Infertility treatment cover
  • Vaccination covered
  • Ambulance covered
  • Cataract covered

Cons

  • Treatment outside India
  • OPD diagnosis
  • Adventure sports

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

National Health Insurance

National Health Insurance

This video explains National Health Insurance in detail.

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.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

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.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Other features & benefits

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 to 25 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 Sum Insured as Health Returns if they follow a healthy lifestyle and stay fit. Expenses of health check-up shall be reimbursed.

National Insurance Parivar Mediclaim Policy: FAQs

The 15 most-asked questions about National Parivar Mediclaim Policy, answered.

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: 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.
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.
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.
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
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.
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.
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.
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 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.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran saxena — Health and Term Insurance Reviewed by Raj Kumar — Health Insurance
Last updated: 7 Aug 2023 · Originally published: 8 Nov 2024

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