About National Parivar Mediclaim Health Insurance
National Parivar Mediclaim Policy offered by National Insurance Company is a family floater policy that covers all members of a family under a single sum insured. The policy comes with different sum insured options ranging between Rs. 1 Lakh and Rs. 10 Lakh, which you can choose according to your requirements. This medical insurance policy offers reimbursement of covered expenses up to a specific limit or cashless payment of covered expenses up to specific limits in network hospitals. Some coverage benefits that you can avail of under this policy include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary expenses, daycare expenses, Ayurveda and homoeopathy expenses, ambulance expenses, modern treatments, organ donor’s medical expenses, amongst others. Apart from the in-built coverage features, you can also purchase add-on covers if you wish to enhance your policy coverage. The policy offers three add-ons namely critical illness, outpatient treatment, and pre-existing diabetes and/or hypertension.
National Parivar Mediclaim Policy is not short of benefits. Apart from the above-mentioned benefits, it also provides you with renewal benefits such as No Claim Discount (NCD) and health check-up, medical second opinion for 88 illnesses, tax benefits on the premium paid (under Section 80D of the Income Tax Act, 1961, free look period, etc. The policy needs to be renewed annually, which you can do throughout the lifetime. Note that the policy comes with a waiting period which you must complete in order to avail coverage benefits. For instance, waiting period for pre-existing diseases, initial waiting period, and waiting period for specific illnesses. All in all, the policy is a beneficial one for people looking for comprehensive coverage for families.
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Key Inclusions and Exclusions of the Plan
- In-patient hospitalisation expenses
- More than 140 daycare treatments
- 30 days pre-hospitalisation expenses
- 60 days post-hospitalisation expenses
- Allopathy, Ayurveda, Homeopathy treatments up to full sum insured
What's Not Included
- Sterility, assisted conception, infertility
- Psychiatric disorder or any self-inflicted injury
- HIV, AIDS, or any sexually transmitted disease
- Maternity benefits not covered until 36 months
- Any disease contracted during the initial 30 days of the policy
National Parivar Mediclaim User Reviews
Add-ons to Enhance Benefits
Critical illness add-on offers you additional coverage above the sum insured, as per your requirement, in case of diagnosis of any of the listed critical illnesses. You can choose from the cover of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 lakh, Rs. 20 Lakh, and Rs. 25 Lakh. But kindly note that the add-on coverage for critical illness cannot be more than the sum insured opted for.
You can buy this add-on at the time of policy purchase, by paying a little extra premium. This add-on offers you coverage for pre-existing diabetes and hypertension and is available in three options. In the first year, coverage for up to 25% can be availed, in the second year, coverage for up to 50% can be availed, and in the third year, coverage for up to 75% of the sum insured can be availed. But note that a co-payment shall be applied on this add-on.
Critical Illness Cover
Add-on cover of outpatient treatment offers you coverage for OPD consultations, diagnostic tests, dental treatments taken as outpatient treatments, and medicines and drugs as prescribed by a medical practitioner. You have different coverage options to choose from for your family which start from Rs. 2,000 and go up to Rs. 25,000, in addition to the sum insured. But note that you will be required to pay an extra premium to avail coverage benefits under this ad-on.
National Parivar Mediclaim Expert Review
With the constant increase in healthcare costs and the ever-rising instances of diseases, health insurance has become a necessity of the day. National Parivar Mediclaim designed by National Insurance Company is a type of plan, which gives a complete protection to the entire family members under a single sum insured. The coverage benefits under the policy can be availed by any insured family member.
An option of choosing the policy for 1, 2, or 3 years with a minimum of two family members (self, spouse, dependent or legally adopted children and parents) covered under the policy. Aiming to minimise the financial burden of the family during an unforeseen accidental injury or ailment, the policy allows any insured member of the family to use the sum insured and get treatment for their illnesses and injuries.
The regular coverage benefits provided by the National Parivar Mediclaim policy include pre and post hospitalisation expenses (up to 30 days and 60 days respectively), in-patient treatment costs, domiciliary hospitalization, cataract surgery and 140 daycare procedures on cashless/reimbursement basis during the policy period. The policy can be held by anyone between 18 years and 65 years of age. Here are some key highlights of the policy:
- Optional benefits of outpatient cover like OPD consultations, diagnostic tests, drugs, dental treatment
- Optional/add-on benefits like critical illnesses and pre-existing diabetes and hypertension cover
- Attractive long-term policy discounts and zone wise discount on basic premium
- Alternate treatment like Ayurveda, Allopathy, and Homeopathy up to 100% of the sum insured
- Floater policy without limits on anyone illness per person
- Maternity, newborn cover (from birth), infertility treatment cover
- Anti-rabies vaccination & vaccination for children as per limits specified in the policy
- Hospital cash benefits as per limits specified in the policy
The National Insurance Company offers many more benefits under National Parivar Mediclaim policy such as maternity/infertility discounts for insured above 45 years of age, ambulance service cover, reimbursement of health check-up costs once at the end of a block of four claim-free policy periods, pre-negotiated package rates for specific surgeries/procedures in network hospitals and much more. Besides, you can enjoy the benefits of:
- Life long renewability of the policy
- No Claim Discount (5%) on the base premium
- 15 days of free look period to cancel the policy
- A grace period of 30 days to renew the policy
- Tax benefits under Section 80D of the Income Tax Act
After discussing all major benefits and features such as flexibility of the sum insured to meet medical needs of different customers; cover for the entire family members under a single sum insured; add-on benefits of critical illness cover, pre-existing disease cover, and OPD consultations; rewards for not making claims on renewal of the policy and attractive discounts on online purchase, etc. it can be concluded that the National Parivar Mediclaim is the right approach to stay prepared to meet unexpected medical expenses and secure your family health.
Further, it is advisable to buy the health insurance policy online. The online insurance broking company like InsuranceDekho is committed to assisting customers in selecting the most suitable and affordable health insurance plan with complete transparency. It helps customers right from the time of finding and buying health policies till the time they continue getting covered under the policy.
Claim Process at National Health Insurance
- Network Hospital
- Non-Network Hospital
Claim AssistanceFor any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
Claim IntimationEmergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
Claim ProcessingFill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
Claim SettlementOnce your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
Claim AssistanceFor any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
Claim IntimationEmergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
Claim ProcessingSubmit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
Claim SettlementOnce your request for reimbursement of expenses is approved, the claim will be settled.
FAQs on National Parivar Mediclaim Health Insurance Plan
What are the sum insured options available under this policy?
National Parivar Mediclaim Policy comes with a variety of sum insured options ranging between Rs. 1 Lakh and Rs. 10 Lakh which you can choose as per your requirement.
What are the sum insured options provided under this policy?
This policy can be purchased for the floater sum insured options of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7 Lakh, Rs. 8 Lakh, Rs. 9 Lakh, and Rs. 10 Lakh.
Are domiciliary expenses covered under this policy?
Yes. Domiciliary hospitalisation expenses are covered under this policy up to 20% of the sum insured, subject to a maximum of Rs. 50,000.
Are maternity expenses covered under this policy?
Yes. Maternity and newborn expenses are covered under this policy for up to 10% of the sum insured, subject to a maximum of Rs. 30,000 for normal delivery and up to Rs. 50,000 in case of C-section.
Are there any additional features covered under this policy?
Yes. The policy covers the following features-
- Good health incentives including free health check-up after block of every 4 claim-free years up to Rs. 5,000
- No Claim Discount of 5% on the base premium for every claim-free year
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