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Home » Blog » General Insurance » National Insurance Parivar Mediclaim Policy

National Insurance Parivar Mediclaim Policy

April 1, 2016 By policydunia

3.1/5 - (14 votes)

National Insurance Parivar Mediclaim Image

Policy Highlights

  • 1 National Insurance Parivar Mediclaim Policy Introduction
  • 2 National Insurance Parivar Mediclaim Policy Eligibility Conditions
  • 3 National Insurance Parivar Mediclaim Policy Review and Key features
  • 4 Inclusions in National Insurance Parivar Mediclaim for family 
  • 5 National Insurance Parivar Mediclaim Policy Exclusions
  • 6 National Insurance Parivar Mediclaim Customer Care
  • 7 Assistance:
  • 8 National Insurance Parivar Mediclaim Proposal Form
  • 9 National Insurance Parivar Mediclaim Claim Form
  • 10 National Insurance Parivar Mediclaim Premium Calculator
  • 11 National Insurance Parivar Mediclaim Policy Premium Rates
  • 12 National Insurance Parivar Mediclaim FAQ’s
  • 13 National Insurance Parivar Mediclaim Forms and Documents
  • 14 About National Insurance Mediclaim Plus Policy
  • 15 About National Insurance Mediclaim Policy
  • 16 About National Insurance Overseas Mediclaim for Business and Holiday
  • 17 About National Insurance Overseas Mediclaim for Employment

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 Premium Table

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

Filed Under: General Insurance, National Insurance Tagged With: National health insurance for family, National insurance family floater, National Insurance Parivar Mediclaim for family

Comments

  1. Narender Khosa says

    May 19, 2015 at 9:06 am

    thanx

    Reply
  2. MASRONALD says

    November 24, 2015 at 4:59 am

    I am aged 66yrs and my wife 58 yrs I want to know the premium for one lac each separetly

    Reply
  3. D.P.Singh says

    March 15, 2016 at 7:58 am

    seen , good policy. Premium rates are not shown .Kindly send the same.

    Reply
  4. munishsharma says

    March 16, 2016 at 4:59 am

    sir i have not understand your clause regarding any one illness the amount is 50/. pls clarify this

    rgds munish

    Reply
  5. P).hariharareddy says

    March 20, 2016 at 11:35 am

    where do we get medical policy in the Kurnool district

    Reply
  6. C.V MURTY says

    April 5, 2016 at 5:24 am

    hOW MANY TIMES CAN A FAMILY AVAIL THE FACILITY IN ANNUM?

    Reply
  7. Hrishikesh says

    April 7, 2016 at 2:17 pm

    Dear sir
    Please HELP me my policy last date of 09/04/2016 only tow day for due
    please send this policy on line renewal sait

    Reply
  8. dhiraj galgale says

    May 17, 2016 at 7:12 am

    sir please give me the details about no claim bonus

    Reply
  9. Jenson Kumar Khosla says

    September 15, 2016 at 3:28 am

    I have three children. The elder son is 17 years old. Twin daughters are 12 years old. I am 48 years old and my wife is 43 years old. How do I get a National Insurance mediclaim policy for all five of us. I would also like to include my parents father-74 and mother (73).
    Thanks,
    Jenson Kumar Khosla

    Reply
  10. Avishek Dutta says

    September 28, 2016 at 10:38 am

    Whether national insurance cover maternity ?

    Reply
  11. Naveen kumar says

    January 16, 2017 at 1:19 pm

    Please tell me how I can pay my policy for renual

    Reply
  12. Sk Hapijul Rahaman says

    February 5, 2017 at 5:03 am

    Thanks

    Reply
  13. Harshad barot says

    February 22, 2017 at 7:51 am

    Amount payable for cataract treatment in floater policy of 5lacs rupees

    Reply
  14. ASHOK SHINDE says

    July 8, 2017 at 10:25 am

    My Parivar Mediclaim policy no. is 311400/48/15/8500006276
    i would like to get the renewed policy copy for the year 2017-2018

    Reply
  15. Koushik Bhattachjarjee says

    July 14, 2017 at 7:48 am

    I had a existing parivar mediclaim for my family..I want to know upto which age I can renew the policy?

    Reply

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