National Parivar Mediclaim for Family Health Insurance

There are a whole lot of customer-friendly features under the Parivar Mediclaim Policy for Family that makes the policy more attractive. Right from the day the policy is issued, you can get cover for inpatient treatment, pre-hospitalisation (15 days) and post hospitalisation (30 days), daycare procedures, and organ transplant. Not only this, the insurance company under this policy provides cashless treatment in network hospitals and the reimbursement facility if the treatment is taken in a non-network hospital. Here are some other key attractions:

• Add-on cover for pre-existing diabetes and hypertension
• Cover for 140+ daycare procedures
• Cover for room charges subject to 1% of sum insured per day
• Cover for ICU up to 2% of the sum insured per day
• Cover for alternative treatment - Allopathy
• Cashless facility available through dedicated TPA service
• The dependent female child is covered until she gets married irrespective of age
• No pre-policy medical checkup for persons aged 40 or below

What’s more about the Parivar Mediclaim Policy for Family is that there is no waiting period to cover accidental claims provided that the insured member of the family sustains an injury due to an accident after the policy purchase date. With the policy, you can get cover for the expenses incurred for surgeon, medical practitioner, anaesthetist, consultant, specialist, etc. Besides, there are other benefits that you can happen to enjoy by choosing this health policy of National Insurance Company. Some of them are:

• The policy can be renewed annually throughout the lifetime
• The policyholder has 15 days of grace period to continue or cancel the policy
• He/she can also port the policy to similar health product of the same insurer or other insurance company
• A period of 30 days is given to renew the policy if it gets expired
• Tax benefits under section 80D of the Income Tax Act

After discussing all the benefits and features, we can conclude that the Parivar Mediclaim for Family is worth buying. The only thing is that there is co-payment of 10% to 25% in the case of diabetes and/or hypertension and 1-2% on room rent and ICU. Overall, the policy is good to buy.

When you decide to buy any health insurance policy, it is good to choose an online platform like InsuranceDekho where you can get adequate customer service support right from choosing the policy to finding free quotes and filing claims. Overall, purchasing the policy from InsuranceDekho can lead to a hassle-free policy purchase experience.

Yes, up to two dependent children can be covered under this policy.
a)Dependent child up to 18 years of age
b)Dependent unemployed male child above 18 years up to 25 years
c) Dependent female child if not employed, till marriage

There is a co-payment clause applicable for pre-existing hypertension and/or diabetes.
a)Co-payment of 10% shall apply to all admissible claims arising out of diabetes and/or hypertension, in case diabetes or hypertension is pre-existing
b)Co-payment of 25% shall apply to all admissible claims arising out of diabetes and/or hypertension, in case diabetes and hypertension is pre-existing

There is no waiting period for accidental claims provided the insured has suffered in an accident after the inception of the policy.

No, the plan does not provide coverage for outpatient department (OPD) treatment.