National Parivar Mediclaim Plus Health Insurance Wordings
Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 83.78% |
COVID-19 Cover | Yes |
Network Hospitals | 6,000+ |
Policies Sold | 17,25,290 |
Renewability | Lifelong |
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National National Parivar Mediclaim Plus Policy Brochure
- 1.02 MB
- PDF Document
- Jul 29, 2019
National Health Insurance Plan List
Name of Plan | Sum Insured | |
National Mediclaim Plus Min: 3 Months; Max: 75 Years | 2 Lakh | Get Quotes Now |
Corona Kavach PolicyMin: 1 Day; Max: 65 Years | 50,000 - 5 lakh | Get Quotes Now |
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years | 1 Lakh - 5 Lakh | Get Quotes Now |
Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years | 2 Lakh | Get Quotes Now |
National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years | 6 Lakh | Get Quotes Now |
National Parivar MediclaimMin: 3 Months; Max: 65 Years | 1 Lakh | Get Quotes Now |
National MediclaimMin: 3 Months; Max: 65 Years | 50 Thousand | Get Quotes Now |
National Health Insurance Top Up List
Name of Plan | Sum Insured | |
National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years | Get Quotes Now |
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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 ageIs there any health checkup facility provided under the plan?
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.
Does National Parivar Mediclaim Plus Policy provide cover for maternity and newborn?
Yes, the coverage for maternity and newborn is provided under National Parivar Mediclaim Plus Policy.
Is critical illness covered under the 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.
Are there any special benefits available under this policy?
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.
What are the conditions for pre-policy medical checkup under the plan?
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 checkupAre there any tax benefits offered under the plan?
There is a tax rebate under Section 80D of Income Tax Act 1961 for the amount of premium paid under the policy.
What are the waiting periods under this 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
What are the renewal benefits offered under this policy?
If covered under this policy, you can avail of the following renewal benefits:
- No Claim Discount
- Health Check-up
Is there any sub-limit on Ayurveda and Homeopathy expenses covered under this policy?
Ayurveda and Homeopathy expenses are covered up to the sum insured under this policy.