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Old January 7th, 2016, 05:35 PM
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Default health insurance policy of national insurance company

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Old April 28th, 2017, 02:03 PM
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Default Re: health insurance policy of national insurance company

I want to apply for National Parivar Mediclaim Plus Health Insurance Policy of National Insurance Company Limited so can you provide me the details of policy?
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Old April 28th, 2017, 02:03 PM
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Default Re: health insurance policy of national insurance company

The National Parivar Mediclaim Plus Policy covers the family including self, spouse, children and parents/parents-in-laws under one floater sum insured.

This is a unique product which offers coverage as high as Rs. 50 Lakh, with many innovative features.
The Policy can be renewed life-long.

Basic features-

Hospitalisation expenses are covered.

Treatment under Allopathy, Ayurveda ,Homeopathy are covered upto full sum insured.

Pre (30 days) and Post (60 days) Hospitalisation covered.

140+ Daycare treatments covered.

Domiciliary treatment :-

Plan A – Up to INR 1,00,000

Plan B – Up to INR 2,00,000

Plan C – Up to INR 2,00,000

Organ Donor’s expenses including pre and post hospitalisation

Capping on any one illness No capping

New features

Maternity, Newborn baby cover :-

Plan A – Up to INR 30,000 for normal delivery and INR 50,000 for caesarean section

Plan B – Actual

Plan C – Actual

Infertility treatment Cover –

Plan A – Up to INR 50,000

Plan B – Up to INR 1,00,000

Plan C – Up to INR 1,00,000

Anti-rabies vaccination Cover - Up to INR 5,000

Medical second opinion for 160 major illnesses

Hospital cash benefit (per insured person,per day) –

Plan A – INR 500, max. of 5 days

Plan B – INR 1,000, max. of 5 days

Plan C – INR 2,000, max. of 5 days

Ambulance expenses (per insured person, in a policy year) –

Plan A – Up to INR 2,500

Plan B – Up to INR 4,000

Plan C – Up to INR 5,000

Plus Features

Air Ambulance expenses :-

Plan A – Not covered

Plan B – Up to 5% of SI

Plan C – Up to 5% of SI

Medical Emergency Reunion :-

Plan A – Not covered

Plan B – No sublimit

Plan C – No sublimit

Vaccination for children :- male child upto the age of 12 years, female child upto the age of 14 years

Plan A – Up to INR 1,000

Plan B – Actual

Plan C – Actual

Post hospitalisation expenses for Doctor’s home visit & nursing care :-

Plan A – Not covered

Plan B – INR 1,000 per day, max. of 10 days

Plan C – INR 2,000 per day, max. of 10 days

Reinstatement of Sum Insured due to road traffic accident :- Covered in all the plans

No sub limit of Room rent/ ICU charges in Plan B and C

Optional cover (by paying additional premium)

Pre-existing Diabetes & Hypertension –

First yr – up to 25% of SI

Second yr – up to 50% of SI

Third yr – up to 75% of SI

Critical Illness Benefit amount – INR 2,00,000/3,00,000/5,00,000/10,00,000/15,00,000/20,00,000/25,00,000 in addition to the SI

Out-patient treatment Limit of cover per family- INR 2,000/ 3,000/4,000/ 5,000/ 10,000/ 15,000/ 20,000/ 25,000 in addition to the SI

Other features -

Good Health Incentives :-

Plan A – Every 2 yrs., up to INR 5,000 irrespective of claims

Plan B – Every 2 yrs., up to INR 7,500 irrespective of claims

Plan C – Every 2 yrs., up to INR 10,000 irrespective of claims

No claim discount on Premium- 5% discount on base premium

Discounts -

Online discount- @5% for new policies, @2.5% for renewal policies

Long term discount - @4% for a two years’ term policy & @7.5% for a three years’ term policy

Discount in lieu of Maternity/ Infertility cover after 45 years of age- @3% on the base premium for self and spouse

Zonal discount-

@4.4% for opting for Zone –II

@11.11% for opting for Zone- III

@20% for option for Zone-IV

Income Tax Benefit (under section 80D of Income Tax Act), except the Critical Illness cover

Silent Features-

Sum insured

INR 6 Lac to 50 Lac, available in 3 plans

Plan A – INR 6/7/8/9/10 Lac

Plan B – INR 15/20/25 Lac

Plan C – INR 30/ 40/ 50 Lac

Who can be covered Family includes Self, Spouse, Children &Parents/Parents in laws

Renewability Lifelong

Policy periodMin – 1 year, Max – 3 years

Contact-

National Insurance Company Limited
3, Middleton Street, Prafulla Chandra Sen Sarani , Kolkata, West Bengal, 700071.
Telephone: 22831705 / , Fax: 22831740.
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