National Health Insurance for Maternity

Being pregnant is a wonderful and joyous experience. But the cost of parenthood isn’t cheap. It may go up to lakhs of rupees depending on the complications. Given that National Insurance has brought National Parivar Mediclaim Policy for maternity coverage. This particular plan covers all the expenses incurred in normal or cesarean delivery. Since it’s a floater plan, it also covers family members, including self, spouse and two dependent children and also parents.

Key Features

• Sum insured under the policy starts from Rs. 1 Lakh and goes up to Rs. 10 Lakh
• Policy is available for a duration of 1 year, 2 years and 3 years
• Lifelong renewability feature is available
• Attractive discounts if long term policy is chosen
• Optional benefits of pre-existing hypertension, diabetes, critical illness and outpatient treatment cover
• 5% discounts to buy a new policy and 2.5% discount at the time of renewal
• No Claim Discount of 5% for every claim-free year

Scope of Coverage

• Maternity and newborn baby expenses up to 10% of the sum insured
• Pre and post hospitalisation 30 days and 60 days respectively
• Cover for the policy buyer, his/her spouse, dependent children and parents
• Expenses incurred on AYUSH treatment
• Domiciliary treatment up to 20% of the sum insured
• Cover available for more than 140 daycare treatment procedures
• Emergency ambulance charges

Eligibility

The National Parivar Mediclaim Policy is available for women between the age of 18 years and 65 years. The policy also covers children from 3 months to 18 years.

Exclusions

• Any sexually transmitted disease, AIDS/HIV or other related diseases or illnesses
• Domiciliary hospitalisation if less than three days
• Any ailments diagnosed within 30 days of the policy inception
• Any self-inflicted injury or psychiatric disorder
• Expenses for the treatment of arthritis, gout and rheumatism

To know more about how the National Parivar Mediclaim Policy can help you during maternity, call our experts at InsuranceDekho at our toll-free number 1800-120-5698.