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Policy Details:
This premium product covers all family members under a single Sum Insured, for In-patient treatment expenses (minimum 24 hour hospitalization) and 140+ Day Care Procedures on Cashless/ Reimbursement basis during the policy period. This policy provides unique features which address all health related concerns of our valued customers. The expenses incurred should be reasonable, customary and medically necessary.
Highlights
Sum Insured range Rs.6,00, 000 to Rs.50, 00,000/- over 3 plans (A/B/C)
Plan A 5 slabs, 6L to 10L in multiple of 1L
Plan B 3 slabs, 15L/ 20L/ 25L
Plan C 3 slabs, 30L/ 40L/ 50L
Policy Term: 1/2/3 years (customers choice)
Entry Age 18 to 65 years
Who can be covered Self, Spouse, Dependent legitimate or legally adopted children, and Parents/parents In-Law.
Zone wise premium and attractive discounts
Lines of treatment covered Allopathy, Ayurveda and Homeopathy (Up to 100% of SI).
Provision to cover pre-existing diabetes and hypertension on payment of additional premium.
Room Rent/ICU charges, Medical practitioners, surgeon, anesthetists, consultants, specialists fees and other charges as per limits mentioned in the policy.
Ambulance (including Air Ambulance) Charges and Organ Donors expenses covered up to sub limits mentioned.
Cataract surgery & Domiciliary Hospitalization (at home) with specified limits mentioned in 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 and New Born Cover (From birth) as per limits specified in the policy.
Infertility Treatment Cover, Anti-Rabies Vaccination, Vaccination Charges for new-born and children, Medical emergency reunion per limits specified in the policy.
Hospital Cash Benefit, Doctors home visit and nursing care during post hospitalization payable, as per limits specified in the policy.
Reinstatement of Sum Insured in case of accidental cases without extra premium.
Add on covers such as Critical Illness and Out-patient Treatment
Cashless Facility available at Network Hospitals only through TPA.
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 Plus Policy:
High Sum Insured Policy available up to 50 Lakhs for the entire family as per plan opted.
No Claim Discount of 5% on the base premium
Attractive Discount for purchasing & renewing policy online.
Long Term Policy Discount
Zone Wise Discount on basic premium
Maternity/Infertility Discount for insured above 45 years of age.
Air ambulance, Maternity, Medical emergency re-union, Hospital cash benefit, vaccinations for children, Domiciliary hospitalizations
Optional covers like
Critical Illness Benefit (per insured person in a policy year) - 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
Outpatient Treatment (as Floater in a policy year) 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
Health Check Up Facility: Expenses of health check-up once at the end of a block of two policy periods irrespective of claims reported, as per limits in the policy.
Tax Rebate under Section 80D of Income Tax Act 1961 for premium paid.
Pre Policy Check Up For Whom
Proposers aged 40 (forty) years and above or
irrespective of age, opting for Plan B or Plan C
opting for Critical Illness optional cover, between the age of 18 (eighteen) years and 65 (sixty five) years
List of Tests/Reports:
1. Physical examination (report to be signed by the Doctor with minimum
MD (Medicine) qualification)
2. HbA1c
3. Blood sugar (fasting/ post prandial), HbA1c in some policies
4. Lipid profile
5. Serum creatinine
6. Urine routine and microscopic examination
7. ECG
8. Eye check-up (including retinoscopy)
9. 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 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 thirty six (36) months 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)
