National Parivar Mediclaim Health Insurance

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.

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.

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. 

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. 

Yes. Domiciliary hospitalisation expenses are covered under this policy up to 20% of the sum insured, subject to a maximum of Rs. 50,000.

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. 

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