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National Parivar Mediclaim Plus Health Insurance Wordings

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold17,25,290
RenewabilityLifelong

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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 PlanSum Insured
    National Mediclaim Plus Min: 3 Months; Max: 75 Years2 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years2 Lakh Get Quotes Now
    National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years6 Lakh Get Quotes Now
    National Parivar MediclaimMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
    National MediclaimMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now

    National Health Insurance Top Up List

      Name of PlanSum Insured
      National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years Get Quotes Now

      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

         

      • Is 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 checkup

         

      • Are 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. 

      Claim Process at National Health Insurance

      • Network Hospital
      • Non-Network Hospital
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
      • 3

        Claim Processing

        Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
      • 4

        Claim Settlement

        Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
      • 3

        Claim Processing

        Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
      • 4

        Claim Settlement

        Once your request for reimbursement of expenses is approved, the claim will be settled.

      National Health Insurance Contact Details

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