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Policy Details:
This policy covers all family members under a single Sum Insured, for In-patient treatment expenses (minimum 24 hour hospitalization), domiciliary hospitalization and 140+ Day Care Procedures on Cashless/ Reimbursement basis during the policy period. The expenses incurred should be reasonable, customary and medically necessary
Highlights
Sum Insured range – Rs.1, 00, 000 to Rs.10, 00,000/-Policy Term: 1/2/3 years (customer’s choice) with attractive discounts on long term policy
Entry Age – 18 to 65 years
Who can be covered – At least two family members like Self, Spouse, Dependent legitimate or legally adopted children, and Parents.
Zone wise premium and attractive discounts
Lines of treatment covered – Allopathy, Ayurveda and Homeopathy (Up to 100% of SI).
Room Rent/ICU charges, Medical practitioners, surgeon, anesthetists, consultant, specialist’s fees and other charges as per limits mentioned in the policy.
Ambulance Charges and Organ Donor’s expenses covered up to sub limits mentioned.
Provision to cover pre-existing diabetes and hypertension on payment of additional premium as per terms and condition of the policy.
Cataract surgery & Domiciliary Hospitalization (at home) with specified limits mentioned in the policy.
Pre and Post Hospitalization up to 30 days and 60 days respectively for same disease/illness/injury for which Hospitalization occurred.
12 Modern treatments like Robotic surgery, oral chemotherapies, immunotherapies and etc., are now covered in the policy.
Treatment for morbid obesity are now covered after specified waiting periods. (refer policy for complete details)
Correction of eyesight, i.e., refractive errors above -7.5 D are now covered after specified waiting periods.
Treatment related to participation as a non-professional in hazardous or adventure sports subject sub limits.
Mental illness, HIV/AIDS, Genetic disorders are now covered.
Maternity, New Born Cover (From birth), Infertility Treatment Cover as per limits specified in the policy after specified waiting periods.
Anti-Rabies Vaccination& Vaccination for children as per limits specified in the policy
Hospital Cash Benefit as per limits specified in the policy
Add on covers such as Critical Illness and Out-patient Treatment
Cashless Facility available at Network Hospitals Only
Pre Negotiated Package rates for specific surgeries/procedure in network hospitals
Life Long Renewability
Portability (migration) allowed from/to similar products as per IRDAI guidelines.
Covered
Why buy National Parivar Mediclaim:
Floater policy without limits on any one illness per person
No Claim Discount (5%) on the base premium
Attractive Discounts for purchasing and renewing policy online.
Long Term Policy Discount
Zone Wise Discount on basic premium
Maternity/Infertility Discount for insured above 45 years of age.
Health Check Up Facility: Expenses of health check-up once at the end of a block of four claim free policy periods with limits as per policy.
Tax Rebate under Section 80D of Income Tax Act 1961 for premium paid.
Pre Policy Check UpFor Whom -
Proposers aged 50 years and above (including dependents) and availing the policy for the first time.
Proposers aged 18-65 years opting for Critical Illness cover.
List of Tests/Reports:
1. Physical examination (report to be signed by the Doctor with minimum
MD (Medicine) qualification)
2. Blood sugar (fasting/ postprandial), HbA1c in some policies
3. Lipid profile
4. Serum creatinine
5. Urine routine and microscopic examination
6. ECG
7. Eye check-up (including retinoscopy)
8. Any other test required by the company and considered necessary
Note: The date of medical reports should not exceed 30 days prior to the date of the proposal. 50% of the expenses incurred for pre policy check-up shall be reimbursed, if the proposal is accepted. Terms and conditions apply.
Exclusions
Only claims arising out of accidents are payable for the first 30 days of Inception of the Policy
All pre-existing diseases included after first forty eight months (48) of Policy
90 days, One, Two and Four Years waiting period for specific diseases.
Change-of-Gender Treatments, Cosmetic or Plastic Surgery, Excluded Providers
Vitamins, Tonics Drug/alcohol abuse, Self-Inflicted Injury
Non Prescription Drug, Home visit charges
Dental treatment (unless arising out of accident and requiring hospitalization) and Out Patient Department treatment (OPD treatment)
