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National Parivar Mediclaim for Family Health Insurance

282 reviews Rate This
National Health Insurance
Parivar Mediclaim Policy for Family
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
Network Hospitals6,000+
RenewabilityLifelong
Starting Premium for 5 lac SIRs.586/month
Starting Premium for Rs. 5 lakhs SIRs. 586/month

About National Parivar Mediclaim for Family Health Insurance

Parivar Mediclaim Policy for Family by National Insurance is one of a kind policy that provides cover for all family members under a single sum insured. With the hike in costs of medical treatment, a family medical insurance plan providing coverage for not only basic medical expenses but also pre-existing conditions is definitely a boon in difficult times.

This medical insurance plan not only covers hospitalisation expenses incurred for treatment of illness/diseases or injury sustained by the insured person during the policy period. But in fact, this plan also has provision to cover pre-existing conditions such as diabetes and hypertension on payment of additional premium. The plan offers a cashless facility and/or reimbursement of treatment expenses for treatment of illness, injury, or disease. A person between the age of 18 to 65 years can be covered under the policy. The sum insured under this plan ranges from Rs. 2 Lakh to Rs. 5 Lakh.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre-hospitalisation and post-hospitalisation expenses for limited days
  • 12 modern treatments like robotic surgery, chemotherapy, etc.
  • Expenses related to the treatment of mental illness
  • Maternity, newborn cover, infertility treatment cover as per sub-limits
  • Hospital cash benefit
  • Domiciliary hospitalisation expenses

What's Not Included

  • Hospitalisation solely for the purpose of evaluation or investigation
  • Treatment necessitated due to participation in adventure sports
  • Injuries arising due to self-harm like a suicide attempt
  • Drugs that are not prescribed by the attending doctor
  • Dental treatments
  • Outpatient treatments

Parivar Mediclaim Policy for Family User Reviews

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What users are saying
  • All
  • Prompt Renewal Reminders

    Thanks to InsuranceDekho's timely renewal reminders, I've never missed renewing my National Insurance-Parivar Mediclaim Policy Fro Family, ensuring continued coverage and peace of mind. One less thing to keep track of.

    N
    By Nishat Sheikh
    On: Sep 05, 2023
  • All members covered under sing...

    I am a new customer of national insurance. Under this plan i have my full family including parents in law covered. The premium is very much less. Expenses that i am covered for are in-patient hospitalisation, daycare procedures coverage, pre & post hospitalisation, and others.  

    J
    By Jitendra Sahu
    On: Feb 21, 2020
  • Great option by national

    Parivar Mediclaim Policy for Family is one policy that i really found to be perfect for a family. It has covered me and my family for basic medical expenses and expenses pre-existing conditions. I was in need of day care procedure coverage. Thankfully i have got it in this plan. I am totally satisfied. 

    R
    By Ravi Kumar
    On: Feb 14, 2020
  • Good coverage, reliable

    Parivar Mediclaim Policy for Family is new for me. The cover is good at low premium. I hope the claim process and other services are good too. Overall, it is satisfactory plan! 

    R
    By Raju Pant
    On: Feb 03, 2020
  • Additional premium for diabete...

    My experience with this plan is fine. I have bought it recently. I am getting for pre-existing like diabetes and hypertension, but i have to pay more premium for it.

    R
    By Ramesh Singh
    On: Jan 29, 2020

Add-ons to Enhance Benefits

  • Pre-existing diabetes/hypertension

    Under this plan, diabetes and hypertension, if pre-existing, will be covered since the inception of the policy on payment of additional premium by the insured person.

National Parivar Mediclaim Policy for Family Expert Review

  • Expert Review

    Are you looking out for a health insurance policy for your family? If so, the Parivar Mediclaim Policy for Family can be the right option. Designed by National Insurance Company, the policy features to protect you and your family from unforeseen medical conditions. It prevents you from falling prey to the financial burden because of hospitalisation due to an illness/disease/accidental injury. With the policy in hand, you can secure yourself, your spouse, and two dependent children under a single floater sum insured.

    Further, the Parivar Mediclaim Policy for Family comes with the sum insured options starting from Rs. 2 Lakh to Rs. 5 Lakh. It covers people between the age of 18 years to 65 years. And the policy is issued for a period of one year. On payment of additional premium, the policyholder can get cover for pre-existing diseases such as diabetes and Hypertension from the inception of the policy.

  • Major Attractions

    There are a whole lot of customer-friendly features under the Parivar Mediclaim Policy for Family that makes the policy more attractive. Right from the day the policy is issued, you can get cover for inpatient treatment, pre-hospitalisation (15 days) and post hospitalisation (30 days), daycare procedures, and organ transplant. Not only this, the insurance company under this policy provides cashless treatment in network hospitals and the reimbursement facility if the treatment is taken in a non-network hospital. Here are some other key attractions:

    • Add-on cover for pre-existing diabetes and hypertension
    • Cover for 140+ daycare procedures
    • Cover for room charges subject to 1% of sum insured per day
    • Cover for ICU up to 2% of the sum insured per day
    • Cover for alternative treatment - Allopathy
    • Cashless facility available through dedicated TPA service
    • The dependent female child is covered until she gets married irrespective of age
    • No pre-policy medical checkup for persons aged 40 or below
  • What’s More?

    What’s more about the Parivar Mediclaim Policy for Family is that there is no waiting period to cover accidental claims provided that the insured member of the family sustains an injury due to an accident after the policy purchase date. With the policy, you can get cover for the expenses incurred for surgeon, medical practitioner, anaesthetist, consultant, specialist, etc. Besides, there are other benefits that you can happen to enjoy by choosing this health policy of National Insurance Company. Some of them are:

    • The policy can be renewed annually throughout the lifetime
    • The policyholder has 15 days of grace period to continue or cancel the policy
    • He/she can also port the policy to similar health product of the same insurer or other insurance company
    • A period of 30 days is given to renew the policy if it gets expired
    • Tax benefits under section 80D of the Income Tax Act
  • Conclusion

    After discussing all the benefits and features, we can conclude that the Parivar Mediclaim for Family is worth buying. The only thing is that there is co-payment of 10% to 25% in the case of diabetes and/or hypertension and 1-2% on room rent and ICU. Overall, the policy is good to buy.

    When you decide to buy any health insurance policy, it is good to choose an online platform like InsuranceDekho where you can get adequate customer service support right from choosing the policy to finding free quotes and filing claims. Overall, purchasing the policy from InsuranceDekho can lead to a hassle-free policy purchase experience.

National Parivar Mediclaim Policy for Family Brochure

  • 89.00 KB
  • PDF Document
  • Aug 02, 2019

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.

FAQs on Parivar Mediclaim Policy for Family Health Insurance Plan

  • What is the eligibility criteria for coverage under the policy?

    The persons between the age of 18 years and 65 years can be covered under the policy.

  • Are children covered under the Parivar Mediclaim Policy for Family?

    Yes, up to two dependent children can be covered under this policy.
    a)Dependent child up to 18 years of age
    b)Dependent unemployed male child above 18 years up to 25 years
    c) Dependent female child if not employed, till marriage

     

  • Is there any co-payment clause under this policy?

    There is a co-payment clause applicable for pre-existing hypertension and/or diabetes.
    a)Co-payment of 10% shall apply to all admissible claims arising out of diabetes and/or hypertension, in case diabetes or hypertension is pre-existing
    b)Co-payment of 25% shall apply to all admissible claims arising out of diabetes and/or hypertension, in case diabetes and hypertension is pre-existing

     

  • Accidental claims are covered after how much waiting period?

    There is no waiting period for accidental claims provided the insured has suffered in an accident after the inception of the policy.

  • Is OPD covered under this policy?

    No, the plan does not provide coverage for outpatient department (OPD) treatment.

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