National Parivar Mediclaim Plus Policy Health Insurance

Getting high-quality medical services is becoming harder every day. If things keep up, then we would all approach a time when it would be next to impossible for a common man to get medical services. This is why it is important for everyone to invest in a good health insurance policy.

The National Insurance Company Limited provides one such policy, which is known as the National Parivar Mediclaim policy. This policy provides coverage for self, spouse, parents, children, and parents-in-law at a low premium rate.

This insurance plan also goes a step beyond traditional health insurance plans by covering critical or high treatment costs. This means that this policy is a huge blessing in cases where one might be suffering from a critical illness.

The entry age for adults in this policy is between 18 years and 65 years. Children as young as aged 3 months can be covered under the category of dependent children if any of their parents are also insured in this policy.

The plan also comes with maternity benefits and a cover for pre-existing diseases or illnesses. There are three variants in this plan, including Plan A, Plan B, and Plan C. The total sum insured option in this policy also ranges from Rs.6 lakh to Rs.50 lakh.

You might also find it comforting to note that the National Insurance Company Limited is one of the oldest general insurance companies in India. This plan is a huge breath of fresh air in a world where almost every health insurance policy either has less coverage or very high premium rates.

The National Parivar Mediclaim policy is easily available to a very large population. This plan satisfied all needs of a customer from basic medical necessities to high-end medical treatments. There are also many other benefits of purchasing this policy. These benefits are mentioned below.

• The plan covers the entire family, including self, children, spouse, and parents, under the same floater coverage
• Maternity benefits are provided
• Coverage for pre-existing illnesses is provided
• The policy comes with a high allowance offering cover
• Coverage for non-allopathic treatments is provided

You might have already guessed that this compound insurance policy also has several interesting and unique features. If you wish to purchase this insurance policy, then you must also be familiar with those features which are mentioned below.

• To enjoy the pre-existing illness cover, one must finish the waiting period of 3 policy years
• Reinstatement of sum insured value benefit is provided in cases where the policyholder or the insured has met with a road accident
• All expenses related to organ donation are covered
• The plan also provides reimbursement for vaccination costs for all children till the maximum age of 12 years
• Maternity benefits can be enjoyed after finishing the waiting period of 2 years
• This plan also covered infertility treatment costs up to a maximum of Rs.50,000
• Infants are also covered under this health insurance plan
• In the case of normal delivery, coverage of up to Rs.30,000 is provided and in the case of a cesarean delivery, coverage of up to Rs.50,000 is provided. These values include charges related to OPD and day-care processes
• Under the basic plan variant, coverage for non-allopathic treatments is not provided. However, one can opt for a more comprehensive plan variant or get an add-on feature of cover for Homeopathy and Ayurveda. In that benefit, one can only get these services from a government recognized hospital or institution
• The National Parivar Mediclaim Policy Plus online also provides coverage for air ambulance and medical emergency transportation
• Pre-hospitalization benefits for a total of 30 days before being admitted to the hospital are covered
• Post-hospitalization benefits for a maximum of 60 days after being discharged from the hospital are covered
• Policyholders and insured can also get free medical second opinion or view in cases of critical disorders. This benefit is provided once every policy period

As mentioned above, there are three variants of this plan. Let’s look at the features of those plans by referring to the table that is given below.

Other popular plans provided by National Insurance Company Limited are National Insurance Janata Personal Accident Policy and National Varistha Mediclaim policy for senior citizens. Both of these plans also come with several benefits. However, with the National Parivar Mediclaim policy customers can also get additional discounts.

A 5% discount is provided on the National Parivar Mediclaim Policy plus premium if it is bought online. An additional 2.5% discount can also be provided at the same time. On selecting a longer policy term, individuals can get a discount of 4% for a two years policy term. A 7.5% discount is provided for selecting a three years policy term.

A 3% discount is also provided on taking an additional maternity and infertility cover after 45 years of age. This discount is valid for both self and spouse. A Zonal discount is also provided in this policy. For opting Zone - II services, a discount of 4.4% is provided and a discount of 11.11% is provided for opting Zone - III. In case of selecting Zone - IV, policyholders can get a discount of 20%!

The key inclusions applicable to this policy are:

• Maternity cover is provided
• Newborn baby cover from birth is provided
• The hospital cash benefit is given
• Outpatient treatment benefit is available as an add-on
• Critical illness cover is provided as an additional feature
• Ayurveda, Allopathy, and Homeopathy treatments are also covered under AYUSH
• Pre-existing conditions like hypertension and diabetes are covered by paying an additional premium value

There are also some features that are not included in this policy. These features are:

• Treatment for obesity is not covered
• Treatment for psychiatric disorders is not covered
• Costs incurred due to sterility, infertility, and assisted conception
• Pre-existing medical illnesses are only covered after a waiting period of 35 months counted from the date of issuance of the policy
• Costs incurred due to refractive error surgery, plastic surgery, and cosmetic surgery
• A waiting period of 1 year, 2 years or 4 years is also applicable for some illnesses