National Parivar Mediclaim Plus Plan

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*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

      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: 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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