National Parivar Mediclaim Plus Plan

(15 Reviews)
Insurer Highlights

*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

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Read More

      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


      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Reasons to Purchase High-Value Health Insurance Cover

      21 Feb 2024

      When you decide to purchase a health insurance plan for you and
      Read more
      Surgeries Covered by New India Assurance Health Insurance Plans

      22 Feb 2024

      In an era where healthcare expenses are skyrocketing in India, the
      Read more
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      Dental Treatment Coverage from Star Health Insurance

      21 Dec 2023

      The rising costs of healthcare services have made it necessary for
      Read more
      11 Reasons Why Senior Citizens Should Buy Aditya Birla Activ One Plan

      05 Dec 2023

      Health insurance is one of the biggest assets that senior citizens
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.