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National Parivar Mediclaim Plus Health Insurance

282 reviews Rate This
National Health Insurance
National Parivar Mediclaim Plus Policy
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
Network Hospitals6,000+
RenewabilityLifelong
Starting Premium for 5 lac SIRs.586/month
Starting Premium for Rs. 5 lakhs SIRs. 586/month

About National Parivar Mediclaim Plus Health Insurance

National Parivar Mediclaim Plus Policy is an indemnity-based family floater health insurance policy that comes in three plan variants namely A, B, and C. All the three variants differ in terms of coverage benefits as well as sum insured options. Plan A comes with sum insured options between Rs. 6 lakh to Rs. 10 Lakh in multiples of Rs. 1 Lakh, Plan B comes with sum insured options of Rs. 15 Lakh, Rs. 20 Lakh, and Rs. 25 Lakh, and Plan C comes with sum insured options of Rs. 30 Lakh, Rs. 40 Lakh, and Rs. 50 Lakh. You can buy this policy if you are aged between 18 years and 65 years, for 1 year, 2 years, or 3 years as per your budget and requirement. Although it is recommended to buy the policy for a long term so as to avoid renewing it from time to time. As it is a family floater policy, you can cover spouse, dependent children, and parents or parents-in-law apart from self.

National Parivar Medical Plus Policy covers you for several medical expenses some of which include ambulance expenses (including air ambulance expenses), in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, modern treatments, mental illness, genetic disorders, hospital cash benefit, infertility treatment cover, newborn baby cover, and so on. Apart from this, some other benefits that the medical insurance policy offers you are lifetime renewability benefit, tax benefits on the premium paid under Section 80D of the Income Tax Act, 1961, portability benefits, as well as add-on covers like critical illness, pre-existing diabetes or hypertension, and outpatient treatment, which you can buy by paying an extra premium at the time of policy purchase. All in all, the policy offers much-needed coverage in difficult times and is beneficial for families.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre-hospitalisation and post-hospitalisation expenses for up to 30 and 60 days respectively
  • Organ donor’s expenses up to a specific limit
  • 12 modern treatments like robotic surgeries, immunotherapies, etc.
  • Maternity and newborn treatment cover
  • Allopathy, Ayurveda and Homeopathy treatments

What's Not Included

  • Dental treatments unless arising due to accident and requiring hospitalisation
  • Change of gender treatments
  • Any treatment necessitated due to self-inflicted injury is not offered coverage
  • Home visit expenses
  • Any treatment for Cosmetic or plastic surgery

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National Parivar Mediclaim Plus Policy User Reviews

4.6
Rating based on
282 User reviews
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What users are saying
  • All
  • Family is secured now

    All thanks to insurancedekho team i am covered for a lot of expenses under this plan. I was looking for a maternity and newborn cover and got it in this plan. Also, i wanted Allopathy, Ayurveda and homoeopathy treatment covered. My wish has been complete at low premium

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    A
    By Ankit Tiwari
    On: Feb 24, 2020
  • Nice one for family

    I am a supporter of this policy. Under this affordable plan, i am myself, my wife, children, parents and parents in law covered. The premium is very low. I am covered for basic expenses as well as high or critical treatment costs. This plan also covers pre-existing diseases and maternity benefits. 

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    M
    By Mehul Kumar
    On: Feb 13, 2020
  • Covers hospital cash benefit a...

    I purchased this plan because i was recommended by a friend. I am happy that national insurance gave me this plan at low premium cost. Getting covered for benefits like allopathy, ayurveda and homoeopathy treatment, hospital cash benefit, maternity benefit and more. Recommend this plan!

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    S
    By Satyendra
    On: Feb 03, 2020
  • Nice plan at good rates

    This plan is completely new to me. I have bought it around 25-26 days back. At low premium cost, me and my family will be getting covered for basic and high critical treatment costs. I always wanted my plan to cover maternity and new born baby cover. Glad i finally found it.   

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    C
    By Chetna Laal
    On: Jan 28, 2020
  • Perfect for a family

    I had always wanted to buy a health insurance that gives superior coverage to my family. Thankfully, i found this plan. The benefits i am getting include maternity and newborn cover, hospital cash benefit, Allopathy, Ayurveda and homoeopathy treatment, critical illness & outpatient treatment, and pre-existing diabetes & hypertension. 

    Read More

    P
    By Parveen
    On: Jan 16, 2020
View All National Parivar Mediclaim Plus Policy Reviews

Add-ons to Enhance Benefits

  • Pre-existing Diabetes or Hypertension

    Pre-existing diabetes or hypertension add-on offers cover for up to a maximum of 25% of the sum insured for the first year, up to a maximum of 50% of the sum insured in the second year, and up to a maximum of 75 of the sum insured in the third year. This add-on helps you avail of additional coverage.

  • Critical Illness

    With this add-on, the insured can avail of a critical illness cover benefit amount of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, and Rs. 25 Lakh per person per policy term. It is not mandatory to buy this add-on but is recommended for added coverage.

  • Outpatient Treatment

    This add-on offers cover for outpatient treatment per family for Rs. 2,000; Rs. 3,000; Rs. 4,000; Rs. 5,000; Rs. 10,000; Rs. 15,000; Rs. 20,000; and Rs. 25,000. You can buy this add-on by paying a little extra premium at the time of policy purchase.

National Parivar Mediclaim Plus Policy Expert Review

  • Expert Review

    The inconceivable price hikes and inflation have made the life difficult. One can hardly bear the high-end medical expenses. Given that National Insurance Company has brought National Parivar Mediclaim Plus policy, which financially supports you and your family at the hour of need. Available in three variants, i.e. Plan A, Plan B and Plan C, the policy takes care of the family when any insured member suffers from a disease, critical illness or accidental injury.

    All the three plans come with the different sum insured options. Plan A has 5 slabs with the sum insured options ranging from Rs. 6 Lakh to Rs. 10 Lakh. The Plan B has 3 slabs with the SI options of Rs. 15 Lakh, Rs. 20 Lakh and Rs. 25 Lakh. The Plan C comes with 3 slabs with the sum insured options of Rs. 30 Lakh, Rs. 40 Lakh and Rs. 50 Lakh. An approach to avail unlimited health benefits, the National Parivar Mediclaim Plus gives coverage to all sorts of hospitalisation expenses for different illnesses and other benefits in the form of health incentives, discounts, tax deductions, etc.

  • Major Attractions

    Protecting self, spouse, financially dependent children, parents in a single sum insured, National Parivar Mediclaim Plus policy provides add-on benefits of pre-existing diseases cover, critical illness cover and outpatient cover. Not only this, National Insurance Company has also included some other features in the health policy for policyholders, such as:

    • Cover for alternative treatments like Allopathy, Ayurveda and Homoeopathy up to 100% of SI
    • Doctor's home visit and nursing care during post hospitalisation as per plan selected
    • Cover for second medical opinion for 160 major illnesses
    • Provision to cover OPD consultations, diagnostic tests, drugs, dental treatment
    • Add-on cover of critical illnesses and pre-existing diabetes and hypertension
    • Vaccination cover for newborn baby and children
    • Reinstatement of SI in case of accidental cases without additional premium
    • Road and air ambulance charges and organ donor’s expenses

  • What’s More?

    The list of benefits of the National Parivar Mediclaim Plus is endless. The policy provides coverage for maternity and newborn (from birth) and infertility treatment expenses. The cover is also available for anti-rabies vaccination. The policyholder can also avail medical emergency reunion per limits mentioned in the policy. Going further, some more attractive features include:

    • The policy can be renewed lifelong without any age restriction
    • 5% of NCB discounts on the base premium
    • Attractive discount for purchasing and renewing the policy online
    • Tax benefits under Section 80D of the Income Tax Act
    • 15 days of free look period to cancel the policy
    • Long term policy discount and zone wise discounts on basic premium

  • Conclusion

    With the features and benefits of the National Parivar Mediclaim Plus policy, it’s clear that this product is worth buying to cover your family. The flexible sum insured options, optional cover for critical illnesses, outpatient treatment, outpatient dental treatment, and attractive discounts make the policy unique. If you’re looking out for a complete family health insurance package, then opting for National Parivar Mediclaim Plus is the right choice.

    For a hassle-free online purchase experience, choosing InsuranceDekho is the right way to go. If you buy the policy at InsuranceDekho, you happen to enjoy some additional benefits like quality customer support, an option to compare different policies free of costs and can have access for expert help at the time of renewing the policy or filing claims. 

National National Parivar Mediclaim Plus Policy Brochure

  • 1.02 MB
  • PDF Document
  • Jul 29, 2019
Download PDF

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.

FAQs on National Parivar Mediclaim Plus Policy Health Insurance Plan

  • What are the sum insured options available under this policy?

    The policy can be purchased for sum insured options ranging from Rs. 6 Lakh to Rs. 50 Lakh. The policy is available in three variants, viz. Plan A, Plan B and Plan C, all of which provide different sum insured options to the policyholders. Plan A can be purchased for sum insured of Rs. 6 Lakh, Rs. 7 Lakh, Rs. 8 Lakh, Rs. 9 Lakh, and Rs. 10 Lakh; Plan B can be purchased for sum insured options of Rs. 15 Lakh, Rs. 20 Lakh, and Rs. 25 Lakh; and Plan C can be purchased for sum insured options of Rs. 30 Lakh, Rs. 40 Lakh, and Rs. 50 Lakh. 

  • Who all can be included under this policy?

    The policy covers self, spouse, children, parents, and parents in law. 

     

  • Is there any age limit on renewal of this policy?

    No. The policy offers lifelong renewability to the policyholders.

  • Is there any no-claim discount available under the policy?

    Yes, there is a no-claim discount of 5% on base premium available under plan A of the policy. 

  • Are there any other discounts offered under the plan?

    Apart from the no-claim discount, there are various other discounts available under the plan:
    1) Attractive discount for purchasing & renewing the policy online.
    2) Long-term policy discount
    3) Zone-wise discount on basic premium
    4) Maternity/infertility discount for insured above 45 years of age

     

  • Is there any health checkup facility provided under the plan?

    Yes, after every 2 years there is a health checkup facility available. Under Plan A, the amount is Rs. 5000; under Plan B it is Rs. 7500 and under Plan C it is Rs. 10,000 irrespective of the claims.

     

  • Does National Parivar Mediclaim Plus Policy provide cover for maternity and newborn?

    Yes, the coverage for maternity and newborn is provided under National Parivar Mediclaim Plus Policy.

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

    National Parivar Mediclaim Plus Policy provides cover for critical illnesses as an optional benefit upon payment of additional premium. The benefit amount available under the cover is limited to 50% of the sum insured.

     

  • Are there any special benefits available under this policy?

    There is a special benefit of Medical Second Opinion (MSO) coverage (for 160 major illnesses) for up to two MSO per family member for each new diagnosis of any of the major 160 illnesses covered under the policy. Also, there is a benefit of reinstatement of the sum insured due to a road traffic accident provided under the policy.

     

  • What are the conditions for pre-policy medical checkup under the plan?

    The pre-policy medical checkup is required under this plan under following conditions:
    1) For Plan A, if the proposer is aged 40 years and above (including dependents) and is taking the policy for the first time
    2) For Plan B and Plan C, the pre-policy medical checkup is required irrespective of age
    3) If the proposer is aged 18-65 years and is opting for Critical Illness cover then he/she is required to undergo pre-policy medical checkup

     

  • Are there any tax benefits offered under the plan?

    There is a tax rebate under Section 80D of Income Tax Act 1961 for the amount of premium paid under the policy.

  • What are the waiting periods under this policy?

    The policy comes with the following waiting periods: 

    • Waiting period for pre-existing diseases: 36 months
    • Initial waiting period: 30 days
    • Coverage for specific illnesses and diseases: 90 days

  • What are the renewal benefits offered under this policy?

    If covered under this policy, you can avail of the following renewal benefits: 

    • No Claim Discount
    • Health Check-up 

  • Is there any sub-limit on Ayurveda and Homeopathy expenses covered under this policy?

    Ayurveda and Homeopathy expenses are covered up to the sum insured under this policy. 

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