National Parivar Mediclaim Policy offered by National Insurance Company is a family floater policy that covers all members of a family under a single sum insured. The policy comes with different sum insured options ranging between Rs. 1 Lakh and Rs. 10 Lakh, which you can choose according to your requirements. This medical insurance policy offers reimbursement of covered expenses up to a specific limit or cashless payment of covered expenses up to specific limits in network hospitals. Some coverage benefits that you can avail of under this policy include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary expenses, daycare expenses, Ayurveda and homoeopathy expenses, ambulance expenses, modern treatments, organ donor’s medical expenses, amongst others. Apart from the in-built coverage features, you can also purchase add-on covers if you wish to enhance your policy coverage. The policy offers three add-ons namely critical illness, outpatient treatment, and pre-existing diabetes and/or hypertension.
National Parivar Mediclaim Policy is not short of benefits. Apart from the above-mentioned benefits, it also provides you with renewal benefits such as No Claim Discount (NCD) and health check-up, medical second opinion for 88 illnesses, tax benefits on the premium paid (under Section 80D of the Income Tax Act, 1961, free look period, etc. The policy needs to be renewed annually, which you can do throughout the lifetime. Note that the policy comes with a waiting period which you must complete in order to avail coverage benefits. For instance, waiting period for pre-existing diseases, initial waiting period, and waiting period for specific illnesses. All in all, the policy is a beneficial one for people looking for comprehensive coverage for families.
InsuranceDekho has a wide variety of health insurance plans for varied requirements of people. I wanted an affordable policy that covers me for major healthcare expenses and I found National Insurance- National Parivar MediClaim. I am happy with its coverage features. Read More
By Amanpreet Kaur On: Aug 09, 2023 Plan that covers organ donor’s.I was looking for a health plan that could cover the organ donor expenses during an organ transplant. I came to InsuranceDekho and called the helpline number. The officials suggested a few plans from which I chose National insurance Parivar Mediclaim Policy. Read More
By Rooprekha Manna On: Mar 08, 2021 Information on additional bene.When I was checking the policy information of National insurance’s National Parivar Mediclaim on InsuranceDekho, I went to the policy page and got to know about add-ons that could help me with additional benefits. I selected the Pre-existing Diabetes/Hypertension cover for my father. Read More
By Tanima Das On: Mar 03, 2021 Rapid quotesTo curate my health quotes on InsuranceDekho, I gave my personal details along with the details of the family members I wanted to include in my health plan and got my quotes. I compared the premiums and found National Insurance’s National Parivar Madiclaim. Read More
By Sujata Shikdar On: Feb 19, 2021 Got to know about partner hosp.On insurancedekho.com, each health insurer’s overview page contains the basic information like the claim settlement ratio, availability of network hospitals, renewability and so on. I chose National insurance’s National Parivar Mediclaim for my family after learning about the partner hospitals of the insurer. Read More
By Puloma Chakraborty On: Dec 02, 2020Critical illness add-on offers you additional coverage above the sum insured, as per your requirement, in case of diagnosis of any of the listed critical illnesses. You can choose from the cover of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 lakh, Rs. 20 Lakh, and Rs. 25 Lakh. But kindly note that the add-on coverage for critical illness cannot be more than the sum insured opted for.
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.
With the constant increase in healthcare costs and the ever-rising instances of diseases, health insurance has become a necessity of the day. National Parivar Mediclaim designed by National Insurance Company is a type of plan, which gives a complete protection to the entire family members under a single sum insured. The coverage benefits under the policy can be availed by any insured family member. An option of choosing the policy for 1, 2, or 3 years with a minimum of two family members (self, spouse, dependent or legally adopted children and parents) covered under the policy. Aiming to minimise the financial burden of the family during an unforeseen accidental injury or ailment, the policy allows any insured member of the family to use the sum insured and get treatment for their illnesses and injuries.
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.
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
National Parivar Mediclaim Policy comes with a variety of sum insured options ranging between Rs. 1 Lakh and Rs. 10 Lakh which you can choose as per your requirement.
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.
National Parivar Mediclaim Policy is a family floater policy that can cover the Proposer, Spouse, Dependent Children and Dependent Parents under one sum insured.
National Parivar Mediclaim Policy can be purchased for a minimum period of 1 year and a maximum period of 3 years.
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