Question 1

What are the sum insured options available under this policy?

Accepted Answer

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.

Question 2

Who all can be included under this policy?

Accepted Answer

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

Question 3

Is there any age limit on renewal of this policy?

Accepted Answer

No. The policy offers lifelong renewability to the policyholders.

Question 4

Is there any no-claim discount available under the policy?

Accepted Answer

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

Question 5

Are there any other discounts offered under the plan?

Accepted Answer

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

Question 6

Is there any health checkup facility provided under the plan?

Accepted Answer

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.

Question 7

Does National Parivar Mediclaim Plus Policy provide cover for maternity and newborn?

Accepted Answer

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

Question 8

Is critical illness covered under the National Parivar Mediclaim Plus Policy?

Accepted Answer

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.

Question 9

Are there any special benefits available under this policy?

Accepted Answer

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.

Question 10

What are the conditions for pre-policy medical checkup under the plan?

Accepted Answer

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

Question 11

Are there any tax benefits offered under the plan?

Accepted Answer

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

Question 12

What are the waiting periods under this policy?

Accepted Answer

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

Question 13

What are the renewal benefits offered under this policy?

Accepted Answer

If covered under this policy, you can avail of the following renewal benefits:        No Claim Discount    Health Check-up

Question 14

Is there any sub-limit on Ayurveda and Homeopathy expenses covered under this policy?

Accepted Answer

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

Claim Settlement	Dedicated Team
Claim Settlement Ratio	83.78%
Network Hospitals	6,000+
Renewability	Lifelong
Starting Premium for 5 lac SI	Rs.586/month
Starting Premium for Rs. 5 lakhs SI	Rs. 586/month

Name of Plan	Sum Insured
National Mediclaim Plus Min: 3 Months; Max: 75 YearsPopular	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium
Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years	2 Lakh	Check Premium
National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years	6 Lakh	Check Premium
National Parivar MediclaimMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium
National MediclaimMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium

Name of Plan	Sum Insured
National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years		Check Premium

National Parivar Mediclaim Plus Health Insurance Wordings

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FAQs on National Parivar Mediclaim Plus Policy Health Insurance Plan

What are the sum insured options available under this policy?

Who all can be included under this policy?

Is there any age limit on renewal of this policy?

Is there any no-claim discount available under the policy?

Are there any other discounts offered under the plan?

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