National Insurance Parivar Mediclaim Policy

National Insurance Parivar Mediclaim Policy Introduction

National Insurance Parivar Mediclaim Policy is a health insurance policy for family. It is a Family Floater policy that covers entire family consisting of self, spouse and two dependent children under single sum insured. National Insurance Parivar Mediclaim Policy covers hospitalization expenses incurred for treatment of illness or diseases or injury sustained by the insured person during the policy period.

National Insurance Parivar Mediclaim Policy Eligibility Conditions

Entry Age for Proposer/Spouse:	Minimum: 18 years Maximum: 60 years
Entry Age for Dependent Children:	Between the Age Group of 3 months and 25 years
Policy Period:	1 year
Sum Insured:	Minimum: Rs. 2,00,000/- Maximum: Rs. 5,00,000/- (In multiple of Rs. 50,000)
Renewal till age:	65 years

National Insurance Parivar Mediclaim Policy Review and Key features

• National Insurance Parivar Mediclaim Policy is available to the persons between age group of 18 and 60 years.
• Tax benefit under section 80 D of the Income Tax Act for premiums paid. For more information regarding Income Tax Benefits, visit www.taxqueries.in.
• Free Look Period is available for a period of 15 days from the date of receipt of policy.
• Portability facility is available to switch to National Insurance Parivar Mediclaim Policy, on renewal, without losing any accrued benefits.

Inclusions in National Insurance Parivar Mediclaim for family 

• In-patient treatment – 1% of sum insured per day for normal room & 2% of sum insured per day ICU.
• More than 140 day care procedures.
• Pre-hospitalization expenses – up to 30 days prior to the hospitalization.
• Post-hospitalization expenses – 60 days after discharge from the hospital.
• Expenses incurred for Any One Illness – 50% of sum insured.
• Expenses incurred for person donating an organ.
• Cashless facility through TPA (Third Party Administrator)
• Diabetes and Hypertension are covered by paying extra premium.

National Insurance Parivar Mediclaim Policy Exclusions

• For first 30 days of commencement of the policy, no claim is payable other than accidental injuries.
• Pre-existing diseases – covered after a waiting period of 4 policy years subject to continuous renewal.
• 2 (two) years waiting period for following diseases.
  • Cataract
  • Pilonidal sinus
  • Benign prostatic hypertrophy
  • Sinusitis
  • Hysterectomy
  • Calculus disease
  • Hernia
  • Benign lumps or growths in any part of the body
  • Hydrocoele
  • CSOM (Chronic Suppurative Otitis Media)
  • Internal congenital anomaly
  • Joint replacement of any kind (unless arising out of accident).
  • Piles
  • Surgical treatment of tonsils and adenoids
  • Chronic fissure in anus
  • Deviated nasal septum and related problems.
• Vaccination or inoculation, Spectacles, hearing aid, contact lens, Cosmetic, sex change.
• Plastic surgery, General debility, Dental treatment, External congenital anomaly.
• Sterility, intentional self-inflicted injury, venereal disease, abuse of Drug/alcohol.
• HIV/AIDS, Non allopathic treatment, Maternity, Vitamins, tonics, wars etc.

National Insurance Parivar Mediclaim Customer Care

Assistance:

For any Information or doubts regarding National Insurance Parivar Mediclaim Policy, Visit www.nationalinsuranceindia.com or call Toll free: 1800 120 1430 or Fax : (033) 2289 6329

You can also contact National Insurance Company through E-Mail:  nic.health@nic.co.in

You can also post or write to the following address.

Address:

Head Office
3 Middleton Street
Kolkata
West Bengal
Pin code: 700071

National Insurance Parivar Mediclaim Proposal Form

To buy National Insurance Parivar Mediclaim Policy you need to fill the proposal form with complete and accurate information and you have to submit to the National Insurance Office. You can also buy National Insurance Parivar Mediclaim Policy through online.

Download National Insurance Parivar Mediclaim Proposal Form

National Insurance Parivar Mediclaim Claim Form

National Insurance Parivar Mediclaim policy Claim Form is to submitted to the National Insurance company or TPA during claim settlement. It is to be filled completely and accurately.

Download National Insurance Parivar Mediclaim Claim Form

National Insurance Parivar Mediclaim Premium Calculator

You can calculate the premium using National Insurance Parivar Mediclaim Premium calculator. Personal details, Number of members,  Policy period, Age and Sum assured and other details are required to calculate the premium.

National Insurance Parivar Mediclaim Policy Premium Rates

National Insurance Parivar Mediclaim Policy Premium Chart is shown below,

National Insurance Parivar Mediclaim FAQ’s

How much extra premium is to be paid if any member of the family is suffering from hypertension or/and diabetes?

• For Hypertension or Diabetes – 10% extra premium is charged on the total premium.
• For Hypertension and Diabetes – 25% extra premium is charged on the total premium.

Give me some information about loading on the premium?

In case, National Insurance Parivar Mediclaim Policy is extended beyond 60 years – 25% loading for 56 to 60 years band is to be charged.

At what situation National Insurance Parivar Mediclaim Policy will get cancelled?

• Company may cancel your policy on grounds of misrepresentation, fraud etc. by sending you 30 days notice.
• You (The Insured person) may cancel the policy at any time during the policy term. In such case the company shall refund of premium.

What are the Services offered by a TPA?

TPA (Third Party Administrator) handles, claim admission and recommend the National Insurance company for the payment of the claim settlement.

What is meant by TPA?

TPA (Third Party Administrator) means any entity, licensed under the IRDA, and is engaged by the company for a fee, for providing health services.

What is meant by Any One Illness?

Any one illness means a continuous period of illness which includes relapse within 45 days from the last consultation date with the hospital where treatment has been taken.

National Insurance Parivar Mediclaim Forms and Documents

National Insurance Parivar Mediclaim Prospectus

National Insurance Parivar Mediclaim Customer Information Sheet

About National Insurance Mediclaim Plus Policy

About National Insurance Mediclaim Policy

About National Insurance Overseas Mediclaim for Business and Holiday

About National Insurance Overseas Mediclaim for Employment