National Health Insurance for Kids

Children are often more vulnerable to health risks than adults. That’s why National Insurance offers National Parivar Mediclaim Policy which provides coverage for children between 3 months and 18 years. A family floater in nature, the policy protects children in the event of hospitalisation due to illness, injuries and ailments. Along with children, the policy also covers proposer, spouse and parents.

• Sum insured starts from Rs. 1 Lakh goes up to Rs. 10 Lakh
• Policy duration: a minimum of 1 year and a maximum of 3 years
• Lifelong renewability of the policy
• No Claim Discount of 5% for every claim-free year
• 5% discounts on buying new policies and 2.5% discounts at the time of renewal
• Provision for medical second opinions for major illnesses
• Optional benefits of pre-existing diabetes, hypertension, critical illness and outpatient treatment

Scope of Coverage

• Cover for proposer, spouse, dependent children and parents
• Expenses incurred on a newborn baby up to 10% of SI
• AYUSH treatment up to the full sum insured
• 30 days pre and 60 days post-hospitalisation
• 140+ daycare procedures coverage
• Cover for domiciliary treatment up to 20% of SI
• Emergency ambulance expenses to transport the patient

Eligibility

Kids between 3 months and 18 years can be covered with their one or both parents under the policy. Any adult aged between 18 years and 65 years can buy the policy.

Exclusions

• STD, AIDS, HIV or related diseases or illnesses
• Domiciliary treatment if it is less than three days
• Any injury occurred within 30 days of the policy
• Assisted conception, sterility, infertility
• More than one delivery or termination in a policy year

For in-depth information about the inclusions, benefits and exclusions of the National Parivar Mediclaim Policy for kids, initiate contact with our experts at our toll-free number 1800-120-5698.