Pariwar Mediclaim Plus by National Insurance Company

We’re people who value our families more than anything in the world. We maintain strong emotional ties with our families throughout our lives, accepting the responsibility to keep them happy and healthy with a smile. To the people that embody the essence of the word ‘Pariwar,’ National Insurance Company’s Pariwar Mediclaim Plus Policy is a highly useful product.
A unique health cover policy that covers the insurer and his entire family, including his/her in-laws under one floater, this policy provides a maximum coverage of Rs. 50 Lac in case of hospitalization resulting from accidents or diseases.

Pariwar Mediclaim Plus Policy- Overview and benefits

Every citizen in the age group of 18-65 yrs can buy National Insurance Company’s Pariwar Mediclaim Plus policy and cover himself and his family, including his/her spouse and children, parents and parents-in-laws under a single sum insured. The policy offers three different coverage plans to suit the demands of various demographics and can be renewed by the insurer throughout his/her lifespan. Plan A comes with an insured sum of Rs 6/7/8/9/10 Lac while Plans B and C have a guaranteed amount of Rs15/20/25 Lac each. The minimum and maximum periods for this policy are one year and three years respectively. Here are the key benefits of this policy:

• You can Buy and renew your policy onlineNational Insurance Company gives you the option to buy your policy online—a quick, smooth process that saves you time and effort. Existing policyholders can use the company’s online renewal facility and prolong their health insurance coverage.
• It provides coverage for Hospitalization and Daycare
  Pariwar Mediclaim Plus Policy covers the expense of hospitalization for the insurer and his/her family up to the full amount insured. The coverage includes the cost of treatment under Allopathy, as well as Homeopathy and Ayurveda. It also covers the expenses incurred during pre-hospitalization (for a period of up to 30 days) and posts hospitalization (for a period of up to 60 days), along with the cost of 140 plus days of daycare treatment.
• National Insurance Company’s Pariwar Mediclaim Plus policy covers Organ Donor’s expensesIf the person insured under the policy or his/her family members require an organ transplant, he/she has the right to claim for hospitalization expenses of both the recipient as well as the donor. The cover includes both pre and post hospitalization costs, with no capping on any specific illness.
• It provides Newborn baby coverNational Insurance Company’s Pariwar Mediclaim Plus policy offers coverage for both regular deliveries and C-section deliveries. The cost of vaccination for the newborn baby/babies’ also forms a part of maternity cover. The vaccination cover for children extends up to the age of 12 yrs in case of male children and up to the age of 14 years in case of female children. The coverage of post-hospitalization expenses like nursing and home visits by doctors is subject to the insurer’s insurance plan.
• It includes Hospital cash and other benefitsNational Insurance Company provides hospital cash benefit for up to 5 days with a fixed sum assigned to each insured person to those choosing its Pariwar Mediclaim Plus policy. The policy also covers the cost of infertility treatments, ambulance expenses, anti-rabies vaccination and medical second opinion in case of 160 significant illnesses.
• It gives you the option of additional coverageNational Insurance Company offers you the opportunity to seek other coverage by paying a designated extra premium to insure against critical illnesses, as also, pre-existing health issues like hypertension and diabetes.
• It offers useful discounts and incentivesThis policy comes with some helpful health incentives for each of the three plans, with an assured sum guaranteed to the insured person every two years irrespective of the claims. Insurers can avail a discount of 2.5% on an online renewal of the policy. The online discount on a purchase of a new policy is 5%. There’s a no claim discount of 5% on the base premium for every claim free year. Those opting for a long-term insurance policy can avail a discount of 4% on a two-year term and a discount of 7.5% on a three-year term. Insurers also have the advantage of zonal discounts along with income tax benefit under section 80D of the Income Tax Law. 

Things to consider before buying Pariwar Mediclaim Plus

• National Insurance Company requires the insurer, together with his/her family members to undergo a pre-policy medical checkup. This applies to every person aged forty years and over. If the insurer has selected Plan B, every family member is required to get medically tested, irrespective of their age. For critical illness coverage, each family member in the age group of eighteen to sixty-five years is necessary to get medically examined. The insurance company, however, is liable to reimburse 50% of the cost of pre-policy checkups after the proposal gets accepted and the premium is realized.
• National Insurance Company holds the right to terminate the policy in case of frauds, misrepresentations or non-cooperation by issuing a thirty-day notice to the insurer. In such a scenario, the company isn’t liable to provide any refund to the policyholder.

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