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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

 

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