National Health Insurance for Family

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      National Health Insurance for Family

      National Health Insurance for family is a customized health insurance plan that covers the entire family on a floater sum insured basis. This family health insurance plan by National Insurance Company Limited provides coverage to all the members of a family against unforeseen medical emergencies.

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      Key Benefits of National Health Insurance for Family

      National Health Insurance for family comes with the following key benefits:

      • Multiple sum insured options available ranging from Rs 1 lakh to Rs 50 lakh
      • 5% no claim bonus for every claim-free year
      • Health check-up facilities available for a block of claim-free years
      • No pre-policy medical check-up up to 50 years
      • 5% & 2.5% discount on buying or renewing the policy online
      • 4% & 7.5% long term policy discount on choosing 2 years or 3 years policy term
      • 3% discount if maternity/infertility cover is not availed by people above 45 years
      • Reinstatement of the sum insured in case of exhaustion
      • Income tax rebate on premium under section 80D of the IT Act

      National Health Insurance Plans for Family

      The following table showcases the National Health Insurance plans for families available in the market:

      Plan Name

      Sum Insured (Rs)

      Pre-existing Diseases Waiting Period

      National Parivar Mediclaim Policy

       1 lakh to 10 lakh

      48 months

      View Plan

      National Parivar Mediclaim Plus Policy

      Plan A - 6 lakh to 10 lakh
      Plan B – 15 lakh to 25 lakh
      Plan C – 30 lakh to 50 lakh

      36 months

      View Plan

      Eligibility Criteria for National Health Insurance for Family

      Take a look at the eligibility criteria that need to be fulfilled to buy a National Health Insurance plan for a family:


      Eligibility Criteria



      Minimum Entry Age

      18 years

      3 months

      Maximum Entry Age

      65 years

      18 years

      No of Family Members Covered

      Self, spouse, dependent children, parents and parents-in-law



      Inclusions of National Health Insurance for Family

      National Health Insurance for family comes with the following inclusions:

      • In-patient Treatment
      • Pre-hospitalization Expenses
      • Post-hospitalization Expenses
      • Day Care Procedures
      • Ayurveda and Homeopathy Treatments
      • Domiciliary Hospitalization
      • Organ Donor Expenses
      • Hospital Cash
      • Ambulance Charges
      • Anti-rabies Vaccination
      • Maternity Benefit
      • Infertility Treatment
      • Modern Treatment
      • Morbid Obesity Treatment
      • Medical Second Opinion
      • Treatment due to Participation in Hazardous or Adventure Sports

      Optional Covers:

      • Critical Illness Treatment
      • Outpatient Treatment
      • Pre-existing Diabetes/Hypertension (under Parivar Mediclaim Plus plan)

      The coverage and optional covers differ between the two National Health Insurance plans for families.

      Exclusions of National Health Insurance for Family

      The following coverage is excluded under National Health Insurance for family:

      • Treatment taken outside India
      • Plastic surgery or cosmetic surgery
      • Treatment for drug or alcohol abuse
      • Unproven treatments
      • Self-inflicted injury
      • Dental treatment
      • Hormone Replacement Therapy

      Check the full list of exclusions by going through the National Health Insurance plans for families.


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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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