About National Parivar Mediclaim Plus Health Insurance
National Parivar Mediclaim Plus Policy is an indemnity-based family floater health insurance policy that comes in three plan variants namely A, B, and C. All the three variants differ in terms of coverage benefits as well as sum insured options. Plan A comes with sum insured options between Rs. 6 lakh to Rs. 10 Lakh in multiples of Rs. 1 Lakh, Plan B comes with sum insured options of Rs. 15 Lakh, Rs. 20 Lakh, and Rs. 25 Lakh, and Plan C comes with sum insured options of Rs. 30 Lakh, Rs. 40 Lakh, and Rs. 50 Lakh. You can buy this policy if you are aged between 18 years and 65 years, for 1 year, 2 years, or 3 years as per your budget and requirement. Although it is recommended to buy the policy for a long term so as to avoid renewing it from time to time. As it is a family floater policy, you can cover spouse, dependent children, and parents or parents-in-law apart from self.
National Parivar Medical Plus Policy covers you for several medical expenses some of which include ambulance expenses (including air ambulance expenses), in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, modern treatments, mental illness, genetic disorders, hospital cash benefit, infertility treatment cover, newborn baby cover, and so on. Apart from this, some other benefits that the medical insurance policy offers you are lifetime renewability benefit, tax benefits on the premium paid under Section 80D of the Income Tax Act, 1961, portability benefits, as well as add-on covers like critical illness, pre-existing diabetes or hypertension, and outpatient treatment, which you can buy by paying an extra premium at the time of policy purchase. All in all, the policy offers much-needed coverage in difficult times and is beneficial for families.
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Key Inclusions and Exclusions of the Plan
- Pre-hospitalisation and post-hospitalisation expenses for up to 30 and 60 days respectively
- Organ donor’s expenses up to a specific limit
- 12 modern treatments like robotic surgeries, immunotherapies, etc.
- Maternity and newborn treatment cover
- Allopathy, Ayurveda and Homeopathy treatments
What's Not Included
- Dental treatments unless arising due to accident and requiring hospitalisation
- Change of gender treatments
- Any treatment necessitated due to self-inflicted injury is not offered coverage
- Home visit expenses
- Any treatment for Cosmetic or plastic surgery
National Parivar Mediclaim Plus Policy User Reviews
Add-ons to Enhance Benefits
Pre-existing Diabetes or Hypertension
Pre-existing diabetes or hypertension add-on offers cover for up to a maximum of 25% of the sum insured for the first year, up to a maximum of 50% of the sum insured in the second year, and up to a maximum of 75 of the sum insured in the third year. This add-on helps you avail of additional coverage.
With this add-on, the insured can avail of a critical illness cover benefit amount of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, and Rs. 25 Lakh per person per policy term. It is not mandatory to buy this add-on but is recommended for added coverage.
Outpatient TreatmentThis add-on offers cover for outpatient treatment per family for Rs. 2,000; Rs. 3,000; Rs. 4,000; Rs. 5,000; Rs. 10,000; Rs. 15,000; Rs. 20,000; and Rs. 25,000. You can buy this add-on by paying a little extra premium at the time of policy purchase.
National Parivar Mediclaim Plus Policy Expert Review
The inconceivable price hikes and inflation have made the life difficult. One can hardly bear the high-end medical expenses. Given that National Insurance Company has brought National Parivar Mediclaim Plus policy, which financially supports you and your family at the hour of need. Available in three variants, i.e. Plan A, Plan B and Plan C, the policy takes care of the family when any insured member suffers from a disease, critical illness or accidental injury.
All the three plans come with the different sum insured options. Plan A has 5 slabs with the sum insured options ranging from Rs. 6 Lakh to Rs. 10 Lakh. The Plan B has 3 slabs with the SI options of Rs. 15 Lakh, Rs. 20 Lakh and Rs. 25 Lakh. The Plan C comes with 3 slabs with the sum insured options of Rs. 30 Lakh, Rs. 40 Lakh and Rs. 50 Lakh. An approach to avail unlimited health benefits, the National Parivar Mediclaim Plus gives coverage to all sorts of hospitalisation expenses for different illnesses and other benefits in the form of health incentives, discounts, tax deductions, etc.
Protecting self, spouse, financially dependent children, parents in a single sum insured, National Parivar Mediclaim Plus policy provides add-on benefits of pre-existing diseases cover, critical illness cover and outpatient cover. Not only this, National Insurance Company has also included some other features in the health policy for policyholders, such as:
- Cover for alternative treatments like Allopathy, Ayurveda and Homoeopathy up to 100% of SI
- Doctor's home visit and nursing care during post hospitalisation as per plan selected
- Cover for second medical opinion for 160 major illnesses
- Provision to cover OPD consultations, diagnostic tests, drugs, dental treatment
- Add-on cover of critical illnesses and pre-existing diabetes and hypertension
- Vaccination cover for newborn baby and children
- Reinstatement of SI in case of accidental cases without additional premium
- Road and air ambulance charges and organ donor’s expenses
The list of benefits of the National Parivar Mediclaim Plus is endless. The policy provides coverage for maternity and newborn (from birth) and infertility treatment expenses. The cover is also available for anti-rabies vaccination. The policyholder can also avail medical emergency reunion per limits mentioned in the policy. Going further, some more attractive features include:
- The policy can be renewed lifelong without any age restriction
- 5% of NCB discounts on the base premium
- Attractive discount for purchasing and renewing the policy online
- Tax benefits under Section 80D of the Income Tax Act
- 15 days of free look period to cancel the policy
- Long term policy discount and zone wise discounts on basic premium
With the features and benefits of the National Parivar Mediclaim Plus policy, it’s clear that this product is worth buying to cover your family. The flexible sum insured options, optional cover for critical illnesses, outpatient treatment, outpatient dental treatment, and attractive discounts make the policy unique. If you’re looking out for a complete family health insurance package, then opting for National Parivar Mediclaim Plus is the right choice.
For a hassle-free online purchase experience, choosing InsuranceDekho is the right way to go. If you buy the policy at InsuranceDekho, you happen to enjoy some additional benefits like quality customer support, an option to compare different policies free of costs and can have access for expert help at the time of renewing the policy or filing claims.
Claim Process at National Health Insurance
- Network Hospital
- Non-Network Hospital
Claim AssistanceFor any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
Claim IntimationEmergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
Claim ProcessingFill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
Claim SettlementOnce your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
Claim AssistanceFor any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
Claim IntimationEmergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
Claim ProcessingSubmit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
Claim SettlementOnce your request for reimbursement of expenses is approved, the claim will be settled.
FAQs on National Parivar Mediclaim Plus Policy Health Insurance Plan
What are the sum insured options available under this policy?
The policy can be purchased for sum insured options ranging from Rs. 6 Lakh to Rs. 50 Lakh. The policy is available in three variants, viz. Plan A, Plan B and Plan C, all of which provide different sum insured options to the policyholders. Plan A can be purchased for sum insured of Rs. 6 Lakh, Rs. 7 Lakh, Rs. 8 Lakh, Rs. 9 Lakh, and Rs. 10 Lakh; Plan B can be purchased for sum insured options of Rs. 15 Lakh, Rs. 20 Lakh, and Rs. 25 Lakh; and Plan C can be purchased for sum insured options of Rs. 30 Lakh, Rs. 40 Lakh, and Rs. 50 Lakh.
Who all can be included under this policy?
The policy covers self, spouse, children, parents, and parents in law.
Is there any age limit on renewal of this policy?
No. The policy offers lifelong renewability to the policyholders.
Is there any no-claim discount available under the policy?
Yes, there is a no-claim discount of 5% on base premium available under plan A of the policy.
Are there any other discounts offered under the plan?
Apart from the no-claim discount, there are various other discounts available under the plan:
1) Attractive discount for purchasing & renewing the policy online.
2) Long-term policy discount
3) Zone-wise discount on basic premium
4) Maternity/infertility discount for insured above 45 years of age
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