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National Parivar Mediclaim Plus Policy

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Eligibility
Entry Age (years) 
Minimum18
Maximum65
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 TypeFloater health insurance, covering the members of a family under a single sum insured. The Policy offers 3 covers:
Plan A-5 slabs, Rs 6,00,000 to 10,00,000 in multiple of 1,00,000
Plan B-3 slabs, Rs 15,00,000/ 20,00,000/ 25,00,000
Plan C-3 slabs, Rs 30,00,000/ 40,00,000/ 50,00,000
Sum Insured (Rs) 
Maximum50 lakh
Minimum6 Lakh
No claim discount5% 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.
Policy Term (years)1 to 3
Pre Policy Medical Check UpPre Policy Checkup is required for all individual family members (a) forty years and above or (b) irrespective of age, opting for Plan B or Plan C, (c) 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 TerminationThe Company may at any time cancel the Policy (on the grounds of fraud, moral hazard, misrepresentation or non cooperation) by sending the insured thirty days notice by registered letter at insured's last known address, and in such anevent, 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-ratapremium, provided claim are not reported up to the date of cancellation
Additions to the Plan
Objective The objective of this policy is to provide for financial support in case the insured members are hospitalised for an illness, disease or accident.
Suited forThe National Parivar Mediclaim Plus Policy covers the family including self, spouse, children and parents/parents-in-laws under one floater sum insured.
What does it do?The Policy covers expenses in respect of inpatient treatment (allopathy, ayurveda and homeopathy), domiciliaryhospitalisaion, reasonably and customarily incurred for treatment of a disease or an injury contracted/sustained during the policyperiod. The Policy also covers pre hospitalisation and post hospitalisation expenses, 140+ day care procedures/surgeries, organdonoru0092s medical expenses, hospital cash, ambulance charges, air ambulance charges, medical emergency reunion, doctoru0092s homevisit and nursing care during post hospitalisation, anti rabies vaccination, maternity expenses, infertility expenses, vaccination forchildren and medical second opinion. Pre-existing Diabetes and/or Hypertension, Outpatient Treatment and Critical Illness areprovided as Optional Covers.
ProsThis policy can be bought online.A NCD of flat 5% shall be allowed on the base premium,The 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.
ConsThere are sub-limits on the policy benefits.
Premium rate for family members (with TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, entire state of Gujarat)
Sum Insured/Age (in Months & years)3m-56-1718-2526-3536-4546-5556-5960-6566-7071-7576-8081-8586+
6,00,000984108215371766348471519100150961865630689366604361553325
7,00,00010581161168219643798810910320162602009433659410434928760703
8,00,00011301238182321704128868710666170972130435638453285747370808
9,00,00011951306194923884417921611403193602295737304493946626281660
10,00,00012581372207025364877977912297207012473038670533367571192474
15,00,00018672017304640527549142181848428841344725159572102969401,18,319
20,00,000211322833623490193411707723093328743879160556837101,07,3281,31,046
25,00,0002488269144036052109291976327795390674392870934883921,13,8811,39,075
30,00,0003149340855877178122422244832033456234828878081905821,17,3481,43,303
40,00,0004350470366298577140572677838388550886454593232980871,22,7421,49,916
50,00,000463649627299939015476306154330161918753611,03,8931,13,4231,31,9881,61,250
Service charge extra
Discount in premium for other zones
ZoneRegionDiscount (%)
IINational Capital Territory (NCT) Delhi and NationalCapital Region (# NCR), Chandigarh, Pune4.44
IIIChennai, Hyderabad, Bangalore, Kolkata11.11
IVRest of India20
# NCR includes Gurgaon-Manesar, Alwar-Bhiwadi, Faridabad-Ballabgarh, Ghaziabad-Loni, Noida, Greater Noida, Bahadurgarh, Sonepat-Kundli Charkhi Dadri, Bhiwani, Narnaul

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