National Parivar Mediclaim Policy

Will be updated soon.

Entry Age (years)

Minimum

18

Maximum

65

Maximum Policy Renewal Age (years)

The Policy can be renewed throughout the lifetime of the insured person by mutual consent before the expiry of the Policy.

Coverage Type

Floater health insurance, covering the members of a family under a single sum insured and shall cover at least two family members.

Sum Insured (Rs)

Maximum

10 lakh

Minimum

1 Lakh

Policy Term (years)

1 to 3

No Claim Bonus

5% on base premium for each claim free Policy Year (aggregated for each year and available on renewal) Aggregate amount of NCD allowed shall not exceed flat 5% of the total base premium for the term of the policy.

Pre Policy Medical Check Up

Pre Policy checkup is required for all individual family members
who are fifty years and above or between the age of eighteen years and sixty five years, opting for Critical Illness.
The Company shall reimburse 50% of the expenses incurred for pre Policy checkup, if the proposal is accepted and the premium has been realized.

Policy Termination

The Company may at any time cancel the Policy (on the grounds of fraud, moral hazard, misrepresentation or noncooperation) by sending the insured thirty days notice by registered letter at insured's last known address, and in such an event, the Company shall not allow any refund.For policies with a term of one year, the insured may at any time cancel the Policy and in such an event, the Company shall allow refund of premium after charging premium at Company's short period rate, provided claims are not reported up to the date of cancellation. For policies with a term exceeding one year, the insured may at any time cancel the Policy and in such an event, the company shall allow pro-rata refund of premium for the unexpired policy period after retaining 10% of the pro-rata premium, provided claim are not reported up to the date of cancellation

Scope of Cover
Treatment	Allopathy, Ayurveda and Homeopathy
Cashless facility	Cashless facility is available only in network providers, if opted for TPA service, subject to prior approval by the TPA.
Reimbursement facility	Available
Pre and post hospitalisation	Medical expenses incurred during 30 days prior to hospitalisation and 60 days after discharge from hospital will be covered
Room, Boarding and nursing expenses*	Up to 1% of SI or actual, whichever is lower
I.C.U expenses*	Up to 2% of SI or actual, whichever is lower
Ambulance charges	Up to INR 1,000/- per illness (per insured person) & INR 2,500/- (in a policy year)
Organ donor expenses	Hospitalisation, pre and post hospitalisation
Day care procedures such as dialysis, chemotherapy etc.	Up to SI
Health check up	Every 4 yrs., up to INR 5,000
*The limit shall not apply if the treatment is undergone for a listed procedure in a Preferred Provider Network (PPN) as a package.
Exclusions and Waiting period
Pre-existing illnesses	Shall be covered after the Policy has been continuously in force for forty eight months.
Waiting period	First thirty days from the inception of the Policy.Certain illnesses such as Benign ENT disorders,Tonsillectomy,Adenoidectomy,Mastoidectomy and Tympanoplasty will be covered after completion of first policy year; Cataract, Benign prostatic hypertrophy,etc. will be covered after completion of two years of policy; Treatment for joint replacement unless arising from accident Osteoarthritis and osteoporosis will be covered after completion of four years of policy.

Objective	The objective of this policy is to provide for financial support in case the insured member and his family is hospitalised for an illness, disease or accident.
Suited for	This policy is a floater health insurance, covering the members of a family under a single sum insured.
What does it do?	The Policy covers expenses in respect of inpatient treatment (allopathy, ayurveda and homeopathy), domiciliary hospitalisaion,reasonably and customarily incurred for treatment of a disease or an injury contracted/sustained during the policy period. ThePolicy also covers pre hospitalization and post hospitalization expenses, 140+ day care procedures/surgeries, organ donoru0092smedical expenses, hospital cash, ambulance charges, anti rabies vaccination, maternity expenses, infertility expenses and medicalsecond opinion. Pre-existing Diabetes and/or Hypertension, Outpatient Treatment and Critical Illness are provided as OptionalCovers.
Pros	Treatment includes Allopathy, Ayurveda and HomeopathyThis policy can be bought/renewed online at discount.The policy offers a No Claim Discount upto 5% on base premiumThe Policy can be renewed throughout the lifetime of the insured person.Premium paid towards the policy is exempt from Income Tax under section 80D of Income Tax Act.
Cons	There are sub-limits on the policy benefits.Sum insured can be enhanced only at the time of renewal, to the next slab.

Premium Rate for other family members (with TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, entire state of Gujarat)
Sum Insured (R) / Age (in months & years)	3m-5	6-17	18-25	26-35	36-45	46-55	56-59	60-65	66-70	71-75	76-80	81-85	86+
1,00,000	469	531	594	678	1207	2551	3756	5202	6220	7507	8234	9325	13328
2,00,000	573	644	798	856	1684	3886	5701	8288	10508	12459	14116	16175	19124
3,00,000	656	734	967	1037	2076	4443	6723	9556	11706	16857	19680	22781	27195
4,00,000	701	782	1085	1213	2415	5272	7304	11131	13883	20953	24901	29121	35100
5,00,000	740	824	1192	1357	2735	5906	7735	12406	15698	25146	29829	35231	42812
6,00,000	775	861	1290	1501	3064	6453	8257	13921	17304	28786	34472	41098	50311
7,00,000	811	900	1391	1651	3308	7289	9332	14927	18568	31510	38543	46397	57228
8,00,000	846	937	1489	1810	3569	7763	9571	15622	19615	33288	42521	54100	66752
9,00,000	874	967	1572	1980	3790	8189	10183	17679	21085	34767	46291	62380	76990
10,00,000	900	994	1651	2083	4173	8647	10945	18855	22670	35958	49943	71292	87193
Service charge extra