National Insurance Parivar Mediclaim For Family

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National Insurance PARIVAR - Mediclaim for Family

 

National Insurance PARIVAR - Mediclaim for Family is a medical insurance policy from the public sector general insurer National Insurance that covers hospitalisation and medical expenses of the entire family.  

 

 

Key Features of National Insurance PARIVAR - Mediclaim for Family

 

  • One cover under a single sum insured  for your entire family
  • Wide cover for treatment against illnesses and accident

 

 

What is covered in National Insurance PARIVAR - Mediclaim for Family?

 

  • Hospital room or nursing home’s room and boarding expenses
  • Nursing care charges, blood, oxygen, RMO charges, cost of IV fluids, injections and administration charges
  • ICU, diagnostic procedures, operation theatre, anesthesia, blood, oxygen, medicines, drugs & consumables, surgical appliances, prosthetics, pacemaker and other devices implanted internally
  • Cost of X-ray, Dialysis, Chemotherapy, Radiotherapy etc
  • Cost of Pacemaker, artificial limbs, stent (artificial tube) and implants

 

 

Additional Benefits of National Insurance PARIVAR - Mediclaim for Family

 

Pre-existing conditions like Diabetes and Hypertension can be covered from the policy commencement on payment of additional premium

 

 

Eligibility and Restrictions of National Insurance PARIVAR - Mediclaim for Family

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

2,00,000

5,00,000

Policy Term (in years)

1

1

Entry Age

3 months

60 yrs

Renewable till age  (in years)

-

65

 
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Family floater policy will cover

 

  • An individual, spouse
  • Up to 2 dependent children

 

 

Tax Benefits in National Insurance PARIVAR - Mediclaim for Family

 

Health Insurance premiums paid up to Rs. 15,000 in case of individuals are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act. The exemption is Rs 20,000 for senior citizens.

 

 

Exclusions - What is not covered in National Insurance PARIVAR - Mediclaim for Family?

 

  • Pre-existing conditions for first 4 years
  • Treatments within first 30 days, except if hospitalisation due to accidents
  • Two year exclusion on treatment of cataract, sinusitis, piles, hysterectomy, hernia, hydrocele, benign prostatic hypertrophy, stone removal, joint replacement, surgical treatment of tonsils etc
  • Intentional self-injury, abuse of drugs, alcohol and intoxicants
  • Cost of vitamins and tonics unless part of treatment
  • Congenital (existing at birth) diseases
  • HIV, AIDS and related diseases
  • General weakness or rest cure, convalescence, self-inflicted or intentional injury
  • Cost of contact lens, hearing aids, spectacles
  • Non-allopathic treatments
  • Conditions caused due to nuclear weapons, war, etc
  • Pregnancy or miscarriage, abortion or childbirth-related
  • Charges like service charge, admission fees, surcharge levied by hospital

 

 

Alternate health insurance plans from other insurance companies

 

United India Family Medicare Insurance Policy

New India Assurance Mediclaim

ICICI Lombard Family Floater Health Insurance Policy

Bajaj Allianz Family Floater Health Guard

 

 

Other Health plans from National Insurance

 

National Insurance Critical Illness Policy

National Insurance Personal Accident Policy

National Insurance Mediclaim

National Insurance Varistha Mediclaim Policy

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