Q1. What is the coverage provided by the National Health Insurance For Parents?

Ans: The coverage provided by National Health Insurance For Parents includes in-patient treatment, pre-hospitalisation, post-hospitalisation, daycare procedure, Ayurveda and Homeopathy treatment, organ donor's medical expenses, maternity expenses, hospital cash allowance, ambulance services, medical emergency reunion, doctor's home visit and nursing care during post hospitalisation, vaccination for children, and medical second opinion.

Q2. Is there coverage for pre-hospitalisation expenses under National Health Insurance For Parents?

Ans: Yes, the Policy provides coverage for pre-hospitalisation expenses. The company shall reimburse the insured for the medical expenses incurred up to 30 days immediately before the insured person is hospitalised, provided the costs are incurred for the same condition for which the hospitalisation was required, and the in-patient hospitalisation claim is permissible by the company.

Q3. What is covered under in-patient treatment under National Health Insurance for parents?

Ans: In-patient treatment covers medical expenses for room charges, intensive care unit charges, medical practitioners, anaesthesia, blood, oxygen, operation theatre charges, medicines and drugs, diagnostic procedures, prosthetics and other devices, dental treatment, plastic surgery, hormone replacement therapy, vitamins and tonics, and circumcision.

Q4. What is Home Care Treatment under the National Home Care Treatment Add-on?

Ans: Home Care Treatment refers to medical treatment for any illness or injury that would typically require care and treatment at a hospital but is instead taken at home under certain circumstances, as certified by a medical practitioner.

Q5. Who is eligible for the National Home Care Treatment Add-on?

Ans: All insured persons covered under the Base Policy are eligible for the National Home Care Treatment Add-on. The eligibility criteria for the Base Policy apply to the Add-on as well.

National Health Health Insurance for Parents

National Health Insurance for Parents

National Health Insurance for Parents is a dedicated healthcare solution designed to cater to the unique needs of individuals aged 50 and above. These specialized insurance plans offer extensive coverage for a wide range of healthcare expenses, ensuring that parents receive comprehensive coverage for in-patient treatment, pre-hospitalization and post-hospitalization expenses, daycare procedures, Ayurveda and Homeopathy treatments, organ donor expenses, maternity-related medical expenses, and more. In addition to the core medical benefits, these plans include valuable features such as mental illness coverage, HIV/AIDS care, and support for various modern treatments

National Health Insurance Plans for Parents

Explore the range of National Health Insurance plans tailored to suit the requirements of parents:

Plan Name	Sum Insured	Pre-existing Diseases Waiting Period	Co-Payment
National Mediclaim Plus Policy	Rs 2 lakh to Rs 50 lakhs	4 years	20%
National Senior Citizen Mediclaim Policy	Rs Lakh to R 10 lakhs in multiple of Rs 1 Lakh	4 years	10% for pre-existing diabetes, 10% for pre-existing hypertension, 25% for pre-existing diabetes and hypertension
National Home Care Treatment Add-on	Rs 10,000 to Rs 50,000 under the Add-on	As per the Pre-existing Diseases Waiting Period of the Base Policy.	As specified in the policy schedule of the base policy.
National Super Top-Up Mediclaim Policy	Rs 3 lakh to Rs 20 lakh	1 year	-
National Mediclaim Policy	Rs 1 Lakh to Rs 10 Lakhs	4 years	20% co-payment with a 15% discount on premium or 15% co-payment with a 10% discount on premium

Choose Health Insurance Company for Parents

Aditya Birla Health Insurance for Parents

Bajaj Allianz Health Insurance for Parents

Care Health Insurance for Parents

Digit Health Insurance for Parents

Future Generali Health Insurance for Parents

HDFC ERGO Health Insurance for Parents

ICICI Lombard Health Insurance for Parents

IFFCO Tokio Health Insurance for Parents

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Eligibility Criteria for National Health Insurance for Parents

The following conditions must be met to be eligible for purchasing National Health Insurance for parents:

Plan Name	Minimum Entry Age	Maximum Entry Age	Renewability
National Mediclaim Plus Policy	18 years	65 years	Lifelong
National Senior Citizen Mediclaim Policy	60 years	80 years	Lifelong
National Home Care Treatment Add-on	As per the eligibility of the Base Policy	As per the eligibility of the Base Policy	The Add-on can be opted only on renewal of the Base Policy. Mid-term cover is not allowed. In case of any Break in Base Policy, the Add-on shall be inoperative for the period
National Super Top-Up Mediclaim Policy	18 years	65 years	Lifelong
National Mediclaim Policy	18 years	65 years	Lifelong

Key Benefits of National Health Insurance for Parents

Take a closer look at the primary benefits of buying National Health Insurance for Parents.

Coverage for in-patient treatment, including room charges, intensive care unit charges, medical practitioner fees, anaesthesia, blood, operation theatre charges, medicines, and diagnostic procedures.
Reimbursement of medical expenses incurred up to 30 days before hospitalization (pre-hospitalization) and up to 60 days after discharge (post-hospitalization) for the same condition.
Coverage for daycare procedures that require hospitalization for less than 24 hours.
Coverage for medical expenses incurred under domiciliary hospitalisation if the patient cannot be moved to a hospital or if there is no room available.
Reimbursement of medical expenses for Ayurveda and Homeopathy treatment if taken in a government hospital or accredited institute.
Reimbursement of expenses for the hospitalization of an organ donor during the insured person's organ transplant.
Coverage for maternity-related medical expenses, including delivery or termination, pre and post-natal hospitalization, and costs for the newborn baby.
Daily hospital cash allowance for hospitalizations exceeding 3 days, up to a maximum of 5 days.
Reimbursement of ambulance expenses for transportation to the hospital.
HIV/AIDS Cover: The policy covers in-patient care, pre-hospitalisation expenses, and post-hospitalisation expenses for different stages of HIV infection.
Mental Illness Cover: The policy covers in-patient care, pre-hospitalisation expenses, and post-hospitalisation for various mental illnesses.

Inclusions of National Health Insurance for Parents

National Health Insurance for parents encompasses the following coverage benefits:

Coverage	National Mediclaim Plus Policy	National Senior Citizen Mediclaim Policy	National Home Care Treatment Add-on	National Super Top-Up Mediclaim Policy	National Mediclaim Policy
In-patient hospitalization expenses	✓	✓	X	✓	✓
Pre-hospitalization medical expenses	✓	✓	X	✓	✓
Post-hospitalization medical expenses	✓	✓	X	✓	✓
Day care treatment	✓	✓	X	✓	✓
Domiciliary hospitalization	X	✓	✓	X	X
Road ambulance cover	✓	✓	X	✓	✓
Organ donor expenses	✓	✓	X	✓	✓
AYUSH treatment	✓	✓	X	✓	✓
Domestic emergency assistance services	✓	X	X	X	X
Second e-opinion on major illnesses	✓	X	X	X	X
Home treatment	X	X	✓ (up to a maximum of 14 days for any one illness)	X	X
Modern treatments	X	X	X	✓	✓
Mental Illness Hospitalization	X	✓	X	✓	✓
Obesity treatment	X	X	X	✓	✓
Daily allowance	✓	✓ (only in Plan B)	X	✓	X
Vaccination cover	✓	X	X	X	X

Optional Inclusions (Purchased as Add-ons)

Below is a compilation of additional coverage options available for selection when purchasing National Health Insurance for parents:

Critical Illness
Outpatient Treatment
Pre-existing Diabetes and/or Hypertension
Outpatient Treatment
Critical Illness
Air ambulance cover

Exclusions of National Health Insurance for Parents

The National Health Insurance policies do not cover the following medical expenses and treatment costs for parents:

Non-medical expenses
Treatments for alcohol addiction
Obesity and weight control treatments
Cost of contact lenses, spectacles, and hearing aids
Cosmetic or plastic surgery
Treatment for baldness
Intentional self-injury
Treatment other than Allopathy/ Modern medicine, Ayurveda, and Homeopathy
Treatments for genetic disorders and stem cell surgery
Treatments for diseases or injuries arising from scuba diving, motor racing, parachuting, hang gliding, rock or mountain climbing, and similar activities.
Any condition directly or indirectly caused by or associated with sexually transmitted diseases (STD), other than HIV/AIDS.
Sterility, infertility/subfertility, and assisted conception procedures.
Surgery for correction of eyesight due to refractive error.
Stem cell surgery, except for bone marrow transplant.

FAQs

Q1. What is the coverage provided by the National Health Insurance For Parents?

Ans: The coverage provided by National Health Insurance For Parents includes in-patient treatment, pre-hospitalisation, post-hospitalisation, daycare procedure, Ayurveda and Homeopathy treatment, organ donor's medical expenses, maternity expenses, hospital cash allowance, ambulance services, medical emergency reunion, doctor's home visit and nursing care during post hospitalisation, vaccination for children, and medical second opinion.
Q2. Is there coverage for pre-hospitalisation expenses under National Health Insurance For Parents?

Ans: Yes, the Policy provides coverage for pre-hospitalisation expenses. The company shall reimburse the insured for the medical expenses incurred up to 30 days immediately before the insured person is hospitalised, provided the costs are incurred for the same condition for which the hospitalisation was required, and the in-patient hospitalisation claim is permissible by the company.
Q3. What is covered under in-patient treatment under National Health Insurance for parents?

Ans: In-patient treatment covers medical expenses for room charges, intensive care unit charges, medical practitioners, anaesthesia, blood, oxygen, operation theatre charges, medicines and drugs, diagnostic procedures, prosthetics and other devices, dental treatment, plastic surgery, hormone replacement therapy, vitamins and tonics, and circumcision.
Q4. What is Home Care Treatment under the National Home Care Treatment Add-on?

Ans: Home Care Treatment refers to medical treatment for any illness or injury that would typically require care and treatment at a hospital but is instead taken at home under certain circumstances, as certified by a medical practitioner.
Q5. Who is eligible for the National Home Care Treatment Add-on?

Ans: All insured persons covered under the Base Policy are eligible for the National Home Care Treatment Add-on. The eligibility criteria for the Base Policy apply to the Add-on as well.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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