Feature & Benefits:
National Parivar Mediclaim Plus Policy is a very unique Product to cater the varied medical Insurance needs of the entire family under a single Sum Insured. This Health Policy offers many different benefits beyond the traditional health Insurance covers, under three type of Plans.
Benefits:
costs for inpatient treatment. Pre- and post-treatment, home hospitalization, daycare/operations, medical expenses of an organ donor, maternity, treatment of infertility, outpatient costs, air ambulance, emergency medical reunification, visit the doctor’s home and nursing care during the post Hospitalization, vaccination of children re-energized of Sum Insured and Second Medical Opinion.
There are 3 Types of Plan
| Plan A | Plan B | Plan C | |
| Sum Insured | 6 lakhs to Rs. 10 lakhs in multiple of Rs. 1 lakh. | Rs. 15 lakhs, Rs. 20 lakhs and Rs. 25 lakhs. | Rs. 30 lakhs, Rs. 40 lakhs and Rs. 50 lakhs. |
| Room Rent | Room Fees of up to 1% of the Sum Insured. Intensive care Unit charge up to 2% of Sum Insured subject to a maximum of Rs.15,000/. | Room Rent & Intensive Care cost of up to Rs 15,000/ covered. | Room Rent & Intensive Care cost of up to Rs 20,000/ covered. |
| Hospital Cash Benefits | The daily Hospital Cash Benefit of Rs 500 is planned for a maximum of 5 days. | The daily Hospital Cash Benefit of Rs 800 is planned for a maximum of 5 days. | The daily Hospital Cash Benefit of Rs 1000 is planned for a maximum of 5 days. |
| Ambulance Cost | Ambulance Cost are covered up to Rs 2,500/ | Ambulance Cost are covered up to Rs 4,000/ Air Ambulance cost of up to 5% of the Insured Amount will be | Ambulance Cost are covered up to Rs 5,000/ Air Ambulance cost of up to 5% of the Insured Amount will be |
| Health Check-up | Up to Rs 1,000/ for block of every 2 Years. | The policy will cover up to Rs. 2,000 for health check-ups block of every 2 years. Post-hospitalisation, doctor/nurse visits to the house will be covered for 10 days at Rs. 750 per day. | The policy will cover up to Rs. 3,000 for health check-ups block of every 2 years. Post-hospitalization, doctor/nurse visits to the house will be covered for 10 days at Rs. 1000 per day. |
| Pregnancy Cover | Pregnancy Cover up to 30,000/ for Normal deliveries and Rs 50,000 for caesarean section. | Pregnancy Cover up to 60,000/ for Normal deliveries and Rs 75,000 for cesarean section. | Pregnancy Cover up to 80,000/ for Normal deliveries and Rs 1,00,000 for caesarean section. |
| Emergency Medical reunion will cover up to Rs20,000/ | Emergency Medical reunion will cover up to Rs20,000/ | ||
| Cataract Cover | Cataract Surgery, the limit will be less than 15% of the Insured Amount Subject to a Maximum of Rs 60,000/ | Cataract Surgery, the limit of Maximum Rs 80,000/ | Cataract Surgery, the limit of Maximum Rs 1,00,000/ |
Eligibility:
Family Comprising self, Spouse, Dependent children, and parents/ Parents in-laws.
Age Limit:
Proposer and family Members- 18- years to 65 years
Children -3 Months to 18 Years
Male child bona-fide student or unemployed can cover up to 25 Years, Female Child If not Employed cover up to till Marriage.
Nature Of Treatment
Ayurveda, Homeopathy & Allopathy
Pre Existing Diseases:
After 3 years waiting Period Pre existing diseases are covered .
Day care Procedure
Cover for 140+ day care Procedures.
Domiciliary Hospitalization
Home Treatment also cover in this Policy.
Uniqueness:
Maternity and New Born Baby Cover:
After 2 years Waiting Period, Hospitalization expenses of first 2 deliveries or termination are cover also expenses include Prenatal, Post Natal and newborn baby cover
Vaccination of children also cover
Infertility:
Infertility treatment of Insured and spouse is covered after 2 years of continuous coverage.
Reinstatement of Sum Insured :
If any claim arriving Due to Road Traffic Accident Sum Insured Will be Reinstate.
Adjustment of Premium
Renewal Premium will be adjusted for the period the policyholder is abroad and covered under the overseas travel insurance policy of the company.
Good Health Incentive:
Customer will gate 5% no claim discount of base premium every claim free year.
Health Checkup:
Customer is in title for Health Checkup at the end of a block of 2 continuous policy years irrespective of past claim.
Exclusion:
- Treatment of obesity.
- HIV,AIDS,STD, ETC.
- Treatment of genetics disorder
- Naturopathy and experimental treatments
- drug/ alcohol abuse
- spectacles, contact lens, hearing aid, cochlear implants
- Convalescence, general debility, run-down condition, etc.
Cashless Procedure
Cashless facility available only in network hospital / PPN. else it Will be reimbursed
