Parivar Mediclaim Policy

What is the Plan all About?

Parivar Mediclaim Policy provides health cover for your family against any medical emergencies. This health policy covers your entire family on a floater sum insured basis. This health plan assures you that your family can avail a proper and quality health care during hospitalization or other medical exigency.

Key Features

Family health policy
Choose add-on covers to enhance protection
Lifetime renewability
Enjoy tax benefits

Policy Benefits

In-patient hospitalization expenses such as Room Rent, ICU, Surgeon Fees, Specialist Fees, etc are covered.
Pre hospitalization expenses are payable for 15 days.
Post hospitalization expenses are payable for a maximum of 30 days.
140+ listed day care procedures/surgeries which need the insured to be hospitalized for less than 24 hours are covered.
Organ donor expenses incurred during the course of organ transplant are covered, as per limits applicable.

Value Added Benefits

Avail cashless facility through TPA.
Pre-existing Diabetes/Hypertension is covered an add-on cover. This benefit can be availed as mentioned in the Policy.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

Room rent is capped up to 1% of SI on per day basis.
ICU charges are capped up to 2% of SI on per day basis.
Anaesthesia, operation theater charges, blood, oxygen, & disposable surgical appliances are payable up to 10% of SI.
Expenses incurred for treatment of any one illness is capped up to 50% of SI.
10/25% co-pay applies for Pre-existing diabetes/Hypertension.

Waiting Period Clause

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 Cataract, Hernia, Hydrocele, Sinusitis, etc are covered after 24 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.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 3 Months	Adult: 60 Years, Children: 25 Years
Sum Assured	2 Lacs	5 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Pre-existing Diabetes/Hypertension	-