National Parivar Mediclaim Plus Policy Health Insurance

About the National Parivar Mediclaim Plus Policy Health Insurance

The National Insurance Company Limited, which is also known as NICL, is an Indian general insurance company. As of now, the organization falls under the ownership of the Ministry of Finance, Government of India. The company is also headquartered in Kolkata, India.

NICL was officially established in 1906 by Gordhandas Dutia and Jeevan Das Dutia. In 1972, both National Insurance Company and Asian Insurance Company were nationalized. The organization has a number of general insurance policies in its portfolio.

The National Insurance Company Limited has also served customers belonging to several areas and domains of the economy. Apart from serving in India, NICL has also been making lives easier in Nepal too. One of the most popular policies rolled out by this organization is the National Parivar Mediclaim Plus policy.

The Chetna Parivar policy is an excellent policy to purchase as the claim settlement ratio of the company is 83.78%. NICL has a dedicated team working towards its goal of serving customers at all times. NICL also provides covers for the treatment of COVID-19. It has a network of over 6,000 hospitals and offers lifelong renewability features.

    Prepare today for a relaxed and secure future.

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    Policy Type


    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.


    Plan A

    Plan B

    Plan C

    Hospital Cash Allowance Benefit

    Rs.500 per day for a maximum of 5 days

    Rs.1,000 per day for a maximum of 5 days

    Rs.2,000 per day for a maximum of five days

    Cataract Surgery Cover

    Rs.60,000 or up to 15% of the total sum insured value

    Up to Rs.80,000

    Up to Rs.1 lakh

    Health Check-Up Benefit

    Up to Rs.5,000 for a period of every 2 years

    Up to Rs.7,500 for a period of every 2 years

    Up to Rs.10,000 for a period of every 2 years

    Ambulance Charge Cover

    Up to Rs.2,500

    Up to Rs.4,000

    Up to Rs.5,000

    Total Sum Insured Enhancement Feature

    The total sum insured amount can be increased up to a maximum of 50% during the renewal of the policy

    The total sum insured amount can be increased up to a maximum of 50% during the renewal of the policy

    The total sum insured amount can be increased up to a maximum of 50% during the renewal of the policy

    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

    The National Insurance Company Limited has been helping individuals live a better life for years now. The company has done the same by providing its National Parivar Mediclaim Plus policy to customers in India.

    The National Parivar Mediclaim Plus policy provides the insured with every type of financial cover that one can need in their time of need. The plan is available on a family floater basis and is available in three variants, including Plan A, Plan B, and Plan C.

    From providing coverage for general medical injuries and diseases to providing critical illness cover, this policy does it all. Customers also have a lot of flexibility when it comes to selecting the sum insured option for the policy. The sum insured amount can vary from Rs.6 lakh to Rs.10 lakh for Plan A.

    In the case of Plan B, the policy comes with three slabs of sum insured value ranging from Rs.15 lakh, Rs.20 lakh, and Rs.25 lakh. For Plan C, there are also three sum insured slabs of Rs.30 lakh, Rs.40 lakh, and Rs.50 lakh.

    Beyond all this, one can also get other benefits like discounts, health incentives, tax deductions, and comprehensive coverage for the entire family. Because of all these reasons, customers have rated this policy very highly. Let’s see what customers have to say about this health insurance policy.

    • Entire Family is Covered, says Aniket Tiwari (5 stars / 5 stars): All thanks to National Insurance Company Limited, the health of my entire family is secured. I have been looking for a maternity and newborn cover but was surprised at all the benefits that this policy offers. So, I leapt at the chance and got this policy as soon as I could. The premium rate is also very low and I couldn’t be happier with the policy.
    • Big Supporter of the Policy, says Mehul Kulru (5 stars / 5 stars): I strongly think that everyone should buy this health insurance policy. I have bought this policy to provide coverage to myself, my wife, children, and parents. I’m so happy that everyone is covered in the same policy and that too at a very low premium. The policy covers all basic and high-end expenses. I’m yet to place a claim but everything has been great till now.
    • Great Recommendation!, says Satyendra Pal (5 stars / 5 stars): I purchased the National Parivar Mediclaim Plus policy on a recommendation from a friend. I was a bit apprehensive at first but I’m so glad that I bought this policy at the right time. I’m getting coverage benefits for homeopathy, Ayurveda, and allopathy too!

    National Parivar Mediclaim Plus Policy Health Insurance FAQs

    I want to buy the National Parivar Mediclaim Plus Policy but I’m confused regarding the sum insured options. Can you help?

    The National Parivar Mediclaim Plus policy plans provide a sum insured cover from Rs.6 lakh to Rs.50 lakh. The Plan A option offers sum insured options of Rs.6 lakhs, Rs.7 lakhs, Rs.8 lakhs, Rs.9 lakhs, and Rs.10 lakhs. The Plan B option offers sum insured options of Rs.15 lakhs, Rs.20 lakhs, and Rs.25 lakhs. The Plan C option offers sum insured options of Rs.30 lakhs, Rs.40 lakhs, and Rs.50 lakhs.

    What discounts can I get under this plan?

    Customers can get the following discounts with this plan.
    No-claim discount
    Long-term policy discount
    Attractive discounts for purchasing the policy online
    Excellent discounts for renewing the policy online
    Discounts on the basic premium amount on the basis of zones
    Maternity and infertility cover discount if the insured is over the age of 45 years

    Is critical illness cover provided under the National Parivar Mediclaim Plus policy?

    Yes, critical illness cover is provided as an additional cover with the National Parivar Mediclaim Plus policy. The basic amount of cover for this feature is calculated at a maximum outer limit of 50% of the total sum insured value in this policy.