National Parivar Mediclaim Policy

• Comprehensive family health cover
• Avail maternity cover under this plan
• Choose add-on covers to enhance protection
• Grab discounts on choosing longer policy term
• Lifelong renewability
• Enjoy tax benefits

• In-patient hospitalization expenses such as room rent, ICU, OT charges etc. are covered as mentioned in the Policy.
• Pre hospitalization expenses are covered for 30 days prior hospitalization.
• Post hospitalization expenses are covered for 60 days after hospitalization.
• Listed day care procedures/surgeries which need the insured to be hospitalized for less than 24 hours are covered.
• Domiciliary treatment expenses are covered.
• Organ donor expenses incurred during the course of organ transplant are covered. Hospitalization, Pre & Post hospitalization are also covered.
• Daily hospital cash is payable for a maximum of 5 days, provided hospitalization exceeds 3 continuous days.
• Anti Rabies vaccination is reimbursed as limits specified in the policy.
• Maternity expenses are covered as limits specified in the policy.
• Medical expenses incurred for treatment of infertility are covered as limits specified in the policy.
• Medical Second Opinion is provided once per family in a policy year. It is applicable for 88 major illnesses.
• Out-patient treatment (per family) is covered as an add-on cover. This benefit can be availed as mentioned in the Policy.
• Critical illness is covered as an add-on cover. This benefit can be availed as mentioned in the Policy.
• Pre-existing Diabetes/Hypertension is covered an add-on cover. This benefit can be availed as mentioned in the Policy.

• Get no claim discount. Get 5% discount on base premium, on completion of each claim free policy year.
• Sum Insured can be enhanced at the time of policy renewal.
• Emergency ambulance charges are covered.
• Ayurveda and Homeopathy treatment expenses are covered.
• Health check-up is covered after every 4 continuous claim free policy years and it is covered up to up to Rs 5,000.
• No pre-policy medical check-up is required up to 49 years, except opting for critical illness.
• 50% cost of pre-policy medical check-up is reimbursed.
• Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

• Room rent is capped up to 1% of SI or actual expenses, whichever is less.
• ICU charges are capped up to 2% of SI or actual expenses, whichever is less.
• 5% to 22.5% co-pay applies, when you are undergoing treatment in a zone other than the one you have paid the premium. 10% co-pay applies, in case of treatment taken in a non-network hospital. This co-pay shall not apply on Critical illness & Outpatient treatment optional covers. 10/25% co-pay also applies for Pre-existing diabetes/Hypertension.
• Cataract surgery is capped up to 10% of SI or Rs 50,000, whichever is less.
• Domiciliary hospitalization is capped up to 20% of SI, to a maximum of Rs 50,000.
• Daily hospital cash of Rs 300 is paid for per insured person.
• Maternity expenses are capped up to 10% of SI, to a maximum of Rs 30,000 for normal delivery. Caesarean section is covered up to Rs 50,000.
• Ambulance charges of Rs 1000 per illness & Rs 2500 per insured in a policy year.

• Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
• Specific Waiting Period: Specific illnesses such as Benign ENT disorders, Tonsillectomy, Mastoidectomy, etc are covered after 12 months of policy coverage. Illnesses such as Cataract, Hernia, Hydrocele, Piles, etc are covered after 24 months of policy coverage. Treatment for joint replacement, Osteoarthritis and osteoporosis are covered after 48 months of policy coverage.
• Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 48 months from the issuance of the first policy.
• Maternity Waiting Period: Maternity expenses are covered after a waiting period of 36 months.
• Infertility Waiting Period: Medical expenses incurred in the treatment of infertility are covered after a waiting period of 36 months.

The details of the above products can be obtained from the nearest office of National Insurance Co Ltd, as also through our official website (https://nationalinsurance.nic.co.in/). Inconvenience to the insuring public is deeply regretted.

• Self inflicted injury
• Congenital external anomaly
• Genetic disorders
• Vaccination or Inoculation
• Cosmetic treatment
• Cost of spectacles, contact lens & hearing aids
• HIV/AIDS & related diseases
• Pregnancy & childbirth related complications. etc.