National Parivar Mediclaim Plus Plan

The National Parivar Mediclaim Plus plan is a family health insurance plan that offers coverage to the entire family on a floater sum insured basis. It provides coverage for hospitalization expenses, maternity expenses, modern treatments, ambulance charges, day care procedures and domiciliary hospitalization. The policy also offers infertility cover, HIV/ AIDS cover, morbid obesity cover, mental illness cover and correction of refractive error cover.

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National Parivar Mediclaim Plus Plan

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    National Parivar Mediclaim Plus Plan: Key Highlights

    Categories Specifications
    Sum Insured Rs 6 lakh to Rs 50 lakh
    Policy Tenure 1 year, 2 years, 3 years
    Network Hospitals 6000+
    Incurred Claim Ratio (2020-21) 101.09%
    Pre-policy Medical Check-up Required for people of 40 years & above and if critical illness cover is opted
    Pre-existing Diseases Waiting Period 3 years
    Discount Up to 7.5% long term discount
    Up to 5% online discount
    3% discount on not opting for maternity/ infertility cover after 45 years
    Co-payment Up to 22.5% on availing treatment outside the zone

    Benefits of National Parivar Mediclaim Plus Plan

    Here are some of the benefits of buying a National Parivar Mediclaim Plus plan:

    1. Reinstatement of Sum Insured due to Road Traffic Accident

    In case the entire sum insured gets exhausted due to a road traffic accident claim, the insurance company will reinstate the sum insured amount once in a policy year.

    2. No Claim Discount

    For every claim-free year, a no claim discount of 5% will be provided to the policyholder on the policy premium.

    3. Health Check-up

    Policyholders can avail free health check-up facilities after every two claim-free years under this National health insurance policy.

    4. ashless Hospitalization Facility

    The National Insurance Company allows its customers to avail cashless hospitalization facilities at more than 6000 network hospitals across the country.

    5. Tax Benefits

    The premium amount paid to buy the National Parivar Mediclaim Plus policy can be claimed for tax deductions under Sec 80D of the IT Act.

    National Parivar Mediclaim Plus Plan Eligibility Criteria

    Check out the eligibility criteria to buy a National Parivar Mediclaim Plus plan:

    Parameters Eligibility Criteria
    Minimum Entry Age Adult – 18 years
    Child – 3 months
    Maximum Entry Age Adult - 65 years
    Child – 18 years
    Coverage Type Floater
    Relationships Covered Self, spouse, dependent children, parents and parents-in-law
    Renewability Lifetime

    Types of National Parivar Mediclaim Plus Plan

    There are three types of National Parivar Mediclaim Plus plans available in the market:

    • Plan A – This type of plan is available with a sum insured of Rs 6 lakh to Rs 50 lakh.
    • Plan B – This type of plan offers a sum insured ranging from Rs 15 lakh to Rs 25 lakh.
    • Plan C – This type of plan comes with a sum insured of Rs 30 lakh to Rs 50 lakh.

    Inclusions of National Parivar Mediclaim Plus Plan

    A National Parivar Mediclaim Plus plan comes with the following inclusions:

    • In-patient Treatment
    • Cataract Surgery
    • Hazardous or Adventure Sports Cover
    • Pre-hospitalization Expenses
    • Post-hospitalization Expenses
    • Domiciliary Hospitalization
    • Day Care Procedure
    • Organ Donor’s Medical Expenses
    • Ayurveda and Homeopathy
    • Ambulance Charges
    • Hospital Cash
    • Air Ambulance Charges
    • Medical Emergency Reunion
    • Anti-Rabies Vaccination
    • Maternity Cover
    • Infertility Treatment
    • Vaccination for Children
    • Doctor’s Home Visit and Nursing care during Post-hospitalization
    • HIV/ AIDS Cover
    • Mental Illness Cover
    • Modern Treatment
    • Morbid Obesity Treatment
    • Correction of Refractive Error
    • Medical Second Opinion

    Optional Covers:

    • Pre-existing Diabetes/ Hypertension
    • Outpatient Treatment
    • Critical Illness Cover

    Exclusions of National Parivar Mediclaim Plus Plan

    The following medical expenses are excluded under the National Parivar Mediclaim Plus plan:

    • Treatment for alcohol addiction or drug abuse
    • Cosmetic or plastic surgery
    • Congenital external anomaly
    • Self-inflicted injuries
    • Treatment taken outside India
    • Hormone replacement therapy
    • Unproven treatments
    • Surgery for correction of eyesight

    National Parivar Mediclaim Plus Plan Waiting Periods

    Take a look at the waiting periods applicable under the National Parivar Mediclaim Plus plan:

    Category Waiting Period
    Pre-existing Diseases Waiting Period 3 years
    Initial Waiting Period 30 days
    Hypertension/ Diabetes/ Cardiac Conditions 90 days
    Specific Illness Waiting Period 1 year/ 2 years/ 4 years
    Maternity Cover Waiting Period 2 years
    Infertility Treatment Waiting Period 2 years
    Vaccination for Children Waiting Period 2 years
    Morbid Obesity Treatment Waiting Period 4 years
    Correction of refractive Error Waiting Period 2 years


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