Q1. What is the sum insured for critical illness cover under the National Parivar Mediclaim Plus policy?

Ans: The sum insured for critical illness cover available under the National Parivar Mediclaim Plus policy ranges from Rs 2 lakh to Rs 25 lakh.

Q2. Can I add my spouse or newborn baby to my National Parivar Mediclaim Plus policy before renewal?

Ans: Yes. You can add your spouse or newborn baby before the renewal of your National Parivar Mediclaim Plus policy. However, the spouse should be added to the policy within 60 days of the marriage. Similarly, the newborn baby can be added between the age of 3 months to 6 months.

Q3. Are there any sub-limits under the National Parivar Mediclaim Plus policy?

Ans: Yes, sub-limits are applicable under the National Parivar Mediclaim Plus policy on room rent, ICU charges, cataract surgery, domiciliary hospitalization, modern treatments and treatment for hazardous or adventure sports.

Q4. How can I check the premium of a National Parivar Mediclaim Plus plan before buying?

Ans: You can check the National Parivar Mediclaim Plus premium chart to know the premium of your policy before buying.

Q5. How can I renew my National Parivar Mediclaim Plus policy online?

Ans: The National Parivar Mediclaim Plus policy online renewal can be done on the website of the insurance company or insurance broker like Policybazaar.com.

National Parivar Health Insurance Mediclaim Plus Plan Online in India

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.

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

FAQs

Q1. What is the sum insured for critical illness cover under the National Parivar Mediclaim Plus policy?

Ans: The sum insured for critical illness cover available under the National Parivar Mediclaim Plus policy ranges from Rs 2 lakh to Rs 25 lakh.
Q2. Can I add my spouse or newborn baby to my National Parivar Mediclaim Plus policy before renewal?

Ans: Yes. You can add your spouse or newborn baby before the renewal of your National Parivar Mediclaim Plus policy. However, the spouse should be added to the policy within 60 days of the marriage. Similarly, the newborn baby can be added between the age of 3 months to 6 months.
Q3. Are there any sub-limits under the National Parivar Mediclaim Plus policy?

Ans: Yes, sub-limits are applicable under the National Parivar Mediclaim Plus policy on room rent, ICU charges, cataract surgery, domiciliary hospitalization, modern treatments and treatment for hazardous or adventure sports.
Q4. How can I check the premium of a National Parivar Mediclaim Plus plan before buying?

Ans: You can check the National Parivar Mediclaim Plus premium chart to know the premium of your policy before buying.
Q5. How can I renew my National Parivar Mediclaim Plus policy online?

Ans: The National Parivar Mediclaim Plus policy online renewal can be done on the website of the insurance company or insurance broker like Policybazaar.com.

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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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