National Parivar Mediclaim Plus Health Insurance Wordings

The policy covers self, spouse, children, parents, and parents in law. 

No. The policy offers lifelong renewability to the policyholders.

Yes, there is a no-claim discount of 5% on base premium available under plan A of the policy. 

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

Yes, after every 2 years there is a health checkup facility available. Under Plan A, the amount is Rs. 5000; under Plan B it is Rs. 7500 and under Plan C it is Rs. 10,000 irrespective of the claims.

Yes, the coverage for maternity and newborn is provided under National Parivar Mediclaim Plus Policy.

National Parivar Mediclaim Plus Policy provides cover for critical illnesses as an optional benefit upon payment of additional premium. The benefit amount available under the cover is limited to 50% of the sum insured.

There is a special benefit of Medical Second Opinion (MSO) coverage (for 160 major illnesses) for up to two MSO per family member for each new diagnosis of any of the major 160 illnesses covered under the policy. Also, there is a benefit of reinstatement of the sum insured due to a road traffic accident provided under the policy.

The pre-policy medical checkup is required under this plan under following conditions:
1) For Plan A, if the proposer is aged 40 years and above (including dependents) and is taking the policy for the first time
2) For Plan B and Plan C, the pre-policy medical checkup is required irrespective of age
3) If the proposer is aged 18-65 years and is opting for Critical Illness cover then he/she is required to undergo pre-policy medical checkup

There is a tax rebate under Section 80D of Income Tax Act 1961 for the amount of premium paid under the policy.

The policy comes with the following waiting periods: 

• Waiting period for pre-existing diseases: 36 months
• Initial waiting period: 30 days
• Coverage for specific illnesses and diseases: 90 days

If covered under this policy, you can avail of the following renewal benefits: 

• No Claim Discount
• Health Check-up 

Ayurveda and Homeopathy expenses are covered up to the sum insured under this policy.