What is the eligibility criteria for coverage under the policy?

The persons between the age of 18 years and 65 years can be covered under the policy.

Are children covered under the Parivar Mediclaim Policy for Family?

Yes, up to two dependent children can be covered under this policy. a)Dependent child up to 18 years of age b)Dependent unemployed male child above 18 years up to 25 years c) Dependent female child if not employed, till marriage

Is there any co-payment clause under this policy?

There is a co-payment clause applicable for pre-existing hypertension and/or diabetes. a)Co-payment of 10% shall apply to all admissible claims arising out of diabetes and/or hypertension, in case diabetes or hypertension is pre-existing b)Co-payment of 25% shall apply to all admissible claims arising out of diabetes and/or hypertension, in case diabetes and hypertension is pre-existing

Accidental claims are covered after how much waiting period?

There is no waiting period for accidental claims provided the insured has suffered in an accident after the inception of the policy.

Is OPD covered under this policy?

No, the plan does not provide coverage for outpatient department (OPD) treatment.

Is critical illness covered under the National Parivar Mediclaim Plus Policy?

The critical illness is covered as an optional cover, but pre-policy medical checkup is required in such a case.

What is the provision for pre-policy medical checkup under this policy?

Pre-policy medical checkup is required under the following conditions: 1) If the proposer is aged 40 years and above 2) If the proposer opted for SI of Rs. 6 Lakh or above, irrespective of the age 3) If the proposer has opted for critical illness optional cover, between the age of 18 years and 65 years

Is there any tax rebate available under this plan?

The premium paid under the plan is exempted from tax under Section 80D.

Does Parivar Mediclaim Policy for Family cover allopathy?

Yes, allopathy is covered under Parivar Mediclaim Policy for Family.

I have hypertension, can I be covered under Parivar Mediclaim Policy for Family?

Yes, pre-existing hypertension is covered after a waiting period of 48 months. Also, there is a co-payment clause attached to it. However, upon payment of additional premium pre-existing hypertension can be covered since the inception of policy as an optional benefit.

National Parivar Mediclaim for Family Health Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	83.78%
Network Hospitals	6,000+
Renewability	Lifelong
Starting Premium for 5 lac SI	Rs.586/month
Starting Premium for Rs. 5 lakhs SI	Rs. 586/month

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National Parivar Mediclaim Policy for Family Brochure

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Aug 02, 2019

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National Health Insurance Plan List

Family (5)
Individual (2)
Woman (4)
Parents (1)
Senior Citizen (1)
Maternity (2)
Kids (1)
Critical Illness (1)

Name of Plan	Sum Insured
National Mediclaim Plus Min: 3 Months; Max: 75 YearsPopular	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium
Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years	2 Lakh	Check Premium
National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years	6 Lakh	Check Premium
National Parivar MediclaimMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium
National MediclaimMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium

National Health Insurance Top Up List

Name of Plan	Sum Insured
National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years		Check Premium

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FAQs on Parivar Mediclaim Policy for Family Health Insurance Plan

What is the eligibility criteria for coverage under the policy?
The persons between the age of 18 years and 65 years can be covered under the policy.
Are children covered under the Parivar Mediclaim Policy for Family?
Yes, up to two dependent children can be covered under this policy.
a)Dependent child up to 18 years of age
b)Dependent unemployed male child above 18 years up to 25 years
c) Dependent female child if not employed, till marriage
Is there any co-payment clause under this policy?
There is a co-payment clause applicable for pre-existing hypertension and/or diabetes.
a)Co-payment of 10% shall apply to all admissible claims arising out of diabetes and/or hypertension, in case diabetes or hypertension is pre-existing
b)Co-payment of 25% shall apply to all admissible claims arising out of diabetes and/or hypertension, in case diabetes and hypertension is pre-existing
Accidental claims are covered after how much waiting period?
There is no waiting period for accidental claims provided the insured has suffered in an accident after the inception of the policy.
Is OPD covered under this policy?
No, the plan does not provide coverage for outpatient department (OPD) treatment.
Is critical illness covered under the National Parivar Mediclaim Plus Policy?
The critical illness is covered as an optional cover, but pre-policy medical checkup is required in such a case.
What is the provision for pre-policy medical checkup under this policy?
Pre-policy medical checkup is required under the following conditions:
1) If the proposer is aged 40 years and above
2) If the proposer opted for SI of Rs. 6 Lakh or above, irrespective of the age
3) If the proposer has opted for critical illness optional cover, between the age of 18 years and 65 years
Is there any tax rebate available under this plan?
The premium paid under the plan is exempted from tax under Section 80D.
Does Parivar Mediclaim Policy for Family cover allopathy?
Yes, allopathy is covered under Parivar Mediclaim Policy for Family.
I have hypertension, can I be covered under Parivar Mediclaim Policy for Family?
Yes, pre-existing hypertension is covered after a waiting period of 48 months. Also, there is a co-payment clause attached to it. However, upon payment of additional premium pre-existing hypertension can be covered since the inception of policy as an optional benefit.

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Claim Process at National Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

National Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
National Health Insurance
1800-345-033024*7
customer.relations@nic.co.in