National Health Insurance for Family

National Parivar Mediclaim Policy is one health insurance offered by National Insurance which protects your family from uncertainties under single floater sum insured. The family members covered under the policy include self, spouse and two dependent children. With the policy in place, any insured members can use the sum insured amount against several injuries and ailments and minimise the financial burden.

Key Features

• Sum insured options: Rs. 1 Lakh to Rs. 10 Lakh in multiples of Rs. 1 Lakh
• Policy period: Minimum 1 year & a maximum of 3 years
• Lifelong policy renewability
• Optional benefits of cover for pre-existing hypertension, diabetes, critical illness and outpatient treatment
• 5% discount for new policies and 2.5% discount for the policy renewal
• No Claim Discount of 5% on the base premium for every claim-free year
• Medical second opinion for 80+ major illnesses

Scope of Coverage

• Cover for proposer, spouse, dependent children and parents
• Maternity and newborn expenses up to 10% of the sum insured
• Treatment under Allopathy, Ayurveda, Homeopathy up to the full sum insured
• Expenses incurred during pre (30 days) and post (60 days) hospitalisation
• Coverage for more than 140 daycare procedures
• Domiciliary treatment up to 20% of the sum insured
• Ambulance expenses to transport the patient to a hospital or from one hospital to another

Eligibility

The cover can be availed by all insured persons aged between 18 years and 65 years. Children from 3 months to 18 years are also covered with one or both parents.

Exclusions

• Any sexually transmitted disease, AIDS/HIV or other related diseases or illnesses
• Domiciliary hospitalisation if less than three days
• Any injury or ailments diagnosed during the initial 30 days of the policy
• No cover for maternity benefits until 36 months
• No cover for more than one delivery or termination in a policy year

For detailed terms and conditions and other information about the National Parivar Mediclaim Policy, call our experts at InsuranceDekho at toll-free number 1800-120-5698.