National Parivar Mediclaim Plus 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. 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)

Maximum

50 lakh

Minimum

6 Lakh

No claim discount

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.

Policy Term (years)

1 to 3

Pre Policy Medical Check Up

Pre 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 Termination

The 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

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 for	The 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.
Pros	This 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.
Cons	There 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-5	6-17	18-25	26-35	36-45	46-55	56-59	60-65	66-70	71-75	76-80	81-85	86+
6,00,000	984	1082	1537	1766	3484	7151	9100	15096	18656	30689	36660	43615	53325
7,00,000	1058	1161	1682	1964	3798	8109	10320	16260	20094	33659	41043	49287	60703
8,00,000	1130	1238	1823	2170	4128	8687	10666	17097	21304	35638	45328	57473	70808
9,00,000	1195	1306	1949	2388	4417	9216	11403	19360	22957	37304	49394	66262	81660
10,00,000	1258	1372	2070	2536	4877	9779	12297	20701	24730	38670	53336	75711	92474
15,00,000	1867	2017	3046	4052	7549	14218	18484	28841	34472	51595	72102	96940	1,18,319
20,00,000	2113	2283	3623	4901	9341	17077	23093	32874	38791	60556	83710	1,07,328	1,31,046
25,00,000	2488	2691	4403	6052	10929	19763	27795	39067	43928	70934	88392	1,13,881	1,39,075
30,00,000	3149	3408	5587	7178	12242	22448	32033	45623	48288	78081	90582	1,17,348	1,43,303
40,00,000	4350	4703	6629	8577	14057	26778	38388	55088	64545	93232	98087	1,22,742	1,49,916
50,00,000	4636	4962	7299	9390	15476	30615	43301	61918	75361	1,03,893	1,13,423	1,31,988	1,61,250
Service charge extra