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

 

 

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

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the National Insurance Parivar Mediclaim For Family brochure and insurance company's website. It should not be construed as a Critical or Favourable National Insurance Parivar Mediclaim For Family Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.


Leave a Comment

family health insurance ki janjari chaiea 4 family member age 10th month to 33 year

By Harjit Kamboj on Jun 18, 2014 Reply

Hi Harjit

Please visit this page

http://www.myinsuranceclub.com/health-insurance/

Fill up the details and you will see a list of policies with annual premiums

Replied By Manoj Aswani (MIC Staff) on Jun 19, 2014 Reply

sir
my clime amount not at received still details my card mrs jayalakshmi do/br code 602200
ghpl-nib-67979-2 good health ltd received all bills &summery certificets pl do the need full thanks

By Dnkrishnaiah Dnk on Sep 02, 2013 Reply

Dear Krishnaiah, it would be a good idea to post a complaint directly with National Insurance. The link for the same is mentioned below.

http://niconline.co.in/grievance/html/app1/home.html

Or walk into a branch directly and contact them. 

Replied By Admin (MIC Staff) on Sep 03, 2013 Reply

family helth insurance 6 membar ki jankari chahiye

By Surajmal Dara on Feb 10, 2013 Reply

Dear Sandeep Patil, we have written a mail to you regarding your requirement. Please check your mail. You can also visit the link below to compare health insurance plans.

http://www.myinsuranceclub.com/health-insurance/

By Myinsuranceclub.Com on Nov 23, 2012 Reply

I HAVE TO 1 YEAR FAMILY POLICY. WHAT IS PREMIUM OR CHARGES 1 TIME. PLS TELL ME. THANKS

By Sandeep Patil on Nov 23, 2012 Reply

Benefits available in Domiciliary benefit policy.

pl advise

By Rkgupta on Oct 01, 2012 Reply

My policy No351200/48/128500000318 for Parivar mediclaim for Family policy dt 18.6.12.Till date I have not received my individual card of the policy.When I will get it

By Shafique Ahmed on Aug 14, 2012 Reply

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