{"id":302,"date":"2020-05-25T11:24:34","date_gmt":"2020-05-25T05:54:34","guid":{"rendered":"https:\/\/shiprafinance.com\/blog\/?p=302"},"modified":"2025-03-14T19:55:01","modified_gmt":"2025-03-14T14:25:01","slug":"national-mediclaimpolicy","status":"publish","type":"post","link":"https:\/\/shiprafinance.com\/blog\/national-mediclaimpolicy\/","title":{"rendered":"National Mediclaim+Policy"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/shiprafinance.com\/blog\/wp-content\/uploads\/2020\/05\/national-insurance.jpg\" alt=\"\" class=\"wp-image-310\" width=\"200\" height=\"81\"\/><figcaption><a href=\"http:\/\/www.shiprafinance.com\">https:\/\/www.shiprafinance.com<\/a><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">   Feature &amp; Benefits:<\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Benefits:<\/h3>\n\n\n\n<p> 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&#8217;s home and nursing care during the post Hospitalization, vaccination of children re-energized of Sum Insured and Second Medical Opinion.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"> There are 3 Types of Plan <\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><\/td><td>Plan A<\/td><td>Plan B<\/td><td>Plan C<\/td><\/tr><tr><td>Sum Insured<\/td><td>6 lakhs to Rs. 10 lakhs in multiple  of Rs. 1 lakh.<\/td><td>Rs. 15 lakhs, Rs. 20 lakhs and Rs. 25 lakhs.<\/td><td>Rs. 30 lakhs, Rs. 40 lakhs and Rs. 50 lakhs.<\/td><\/tr><tr><td>Room Rent<\/td><td>Room Fees of up to 1% of the Sum Insured.<br>Intensive care Unit charge up to 2% of Sum Insured subject to a maximum of Rs.15,000\/.<br><br><\/td><td>Room Rent &amp; Intensive Care cost of up to Rs 15,000\/ covered.<\/td><td>Room Rent &amp; Intensive Care cost of up to Rs 20,000\/ covered.<\/td><\/tr><tr><td><a href=\"http:\/\/www.shiprafinance.com\">Hospital Cash Benefits <\/a><\/td><td>The daily Hospital Cash Benefit of Rs 500 is planned for a maximum of 5 days. <\/td><td>The daily Hospital Cash Benefit of Rs 800 is planned for a maximum of 5 days.<\/td><td>The daily <a href=\"http:\/\/www.shiprafinance.com\">Hospital Cash Benefit of Rs 1000 is planned <\/a>for a maximum of 5 days.<\/td><\/tr><tr><td>Ambulance  Cost<\/td><td>Ambulance Cost are covered up to Rs 2,500\/<\/td><td>Ambulance Cost are covered up to Rs 4,000\/<br>Air Ambulance cost of up to 5% of the Insured Amount will be <\/td><td>Ambulance Cost are covered up to Rs 5,000\/<br>Air Ambulance cost of up to 5% of the Insured Amount will be<\/td><\/tr><tr><td><a href=\"http:\/\/www.shiprafinance.com\">Health Check-up<\/a><\/td><td>Up to Rs 1,000\/ for block of every 2 Years.<\/td><td>The policy will cover up to Rs. 2,000 for health check-ups block of every 2 years.<br>Post-hospitalisation, doctor\/nurse visits to the house will be covered for 10 days at Rs. 750 per day.<\/td><td>The policy will cover up to Rs. 3,000 for health check-ups block of every 2 years.<br>Post-hospitalization, doctor\/nurse visits to the house will be covered for 10 days at Rs. 1000 per day.<\/td><\/tr><tr><td>Pregnancy Cover <\/td><td>Pregnancy Cover up to 30,000\/ for Normal deliveries and Rs 50,000 for caesarean section. <\/td><td><a href=\"http:\/\/www.shiprafinance.com\">Pregnancy Cover <\/a>up to 60,000\/ for Normal deliveries and Rs 75,000 for cesarean section.<\/td><td>Pregnancy Cover up to 80,000\/ for Normal deliveries and Rs 1,00,000 for caesarean section.<\/td><\/tr><tr><td><\/td><td><\/td><td>Emergency Medical reunion will cover up to Rs20,000\/<\/td><td>Emergency Medical reunion will cover up to Rs20,000\/<\/td><\/tr><tr><td>Cataract Cover <\/td><td>Cataract Surgery, the limit will be less than 15% of the Insured Amount Subject to a Maximum of Rs 60,000\/<\/td><td>Cataract Surgery, the limit of  Maximum  Rs 80,000\/<\/td><td>Cataract Surgery, the limit of Maximum Rs 1,00,000\/<\/td><\/tr><\/tbody><\/table><figcaption>www.shiprafinance.com<br><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Eligibility: <\/h3>\n\n\n\n<p>Family Comprising self, Spouse, Dependent children, and parents\/ Parents in-laws.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Age Limit:<\/h4>\n\n\n\n<p>Proposer and family Members- 18- years to 65 years<\/p>\n\n\n\n<p>Children -3 Months to 18 Years<\/p>\n\n\n\n<p>Male child bona-fide student or unemployed  can cover up to 25 Years, Female Child If not Employed  cover up to till Marriage.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Nature Of Treatment<\/h5>\n\n\n\n<p>Ayurveda, Homeopathy &amp; Allopathy<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Pre Existing Diseases: <\/h5>\n\n\n\n<p>After 3 years waiting Period Pre existing diseases are covered .<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Day care Procedure<\/h5>\n\n\n\n<p>Cover for 140+ day care Procedures.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Domiciliary  <a href=\"http:\/\/www.shiprafinance.com\">Hospitalization<\/a><\/h5>\n\n\n\n<h5 class=\"wp-block-heading\"> Home Treatment also cover i<mark>n this Policy<\/mark>.<\/h5>\n\n\n\n<h5 class=\"wp-block-heading\">Uniqueness:<\/h5>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-top is-image-fill\" style=\"grid-template-columns:33% auto\"><figure class=\"wp-block-media-text__media\" style=\"background-image:url(https:\/\/shiprafinance.com\/blog\/wp-content\/uploads\/2019\/09\/newspaper-lite-birth-contro-1024x683.jpg);background-position:50% 50%\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/shiprafinance.com\/blog\/wp-content\/uploads\/2019\/09\/newspaper-lite-birth-contro-1024x683.jpg\" alt=\"\" class=\"wp-image-136\" srcset=\"https:\/\/shiprafinance.com\/blog\/wp-content\/uploads\/2019\/09\/newspaper-lite-birth-contro-1024x683.jpg 1024w, https:\/\/shiprafinance.com\/blog\/wp-content\/uploads\/2019\/09\/newspaper-lite-birth-contro-300x200.jpg 300w, https:\/\/shiprafinance.com\/blog\/wp-content\/uploads\/2019\/09\/newspaper-lite-birth-contro-768x512.jpg 768w, https:\/\/shiprafinance.com\/blog\/wp-content\/uploads\/2019\/09\/newspaper-lite-birth-contro.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-medium-font-size\">Maternity and New Born Baby Cover:<\/p>\n\n\n\n<p>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<\/p>\n\n\n\n<p>Vaccination of children also cover <\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Infertility:<\/h5>\n\n\n\n<p>Infertility treatment of Insured and spouse is covered after 2 years of continuous coverage.<\/p>\n\n\n\n<p> <\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/shiprafinance.com\/blog\/wp-content\/uploads\/2020\/04\/tpd-2BUntitled.png\" alt=\"\" class=\"wp-image-99\" width=\"72\" height=\"193\"\/><figcaption><a href=\"https:\/\/shiprafinance.com\/blog\/personal-accident-policy-coverage\/\">https:\/\/shiprafinance.com\/blog\/personal-accident-policy-coverage\/<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<h5 class=\"wp-block-heading\">Reinstatement of Sum Insured :<\/h5>\n\n\n\n<p>If any claim arriving Due to Road Traffic Accident Sum Insured Will be Reinstate.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Adjustment of Premium<\/h5>\n\n\n\n<p>Renewal Premium will be adjusted for the period the policyholder is abroad and covered under the overseas travel insurance policy of the company.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Good Health Incentive:<\/h5>\n\n\n\n<p>Customer will gate 5%  no claim discount of base premium every claim free year.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Health Checkup:<\/h5>\n\n\n\n<p>Customer is in title for Health Checkup at the end of a block of 2 continuous policy years irrespective of past claim.<\/p>\n\n\n\n<p> <\/p>\n\n\n\n<h6 class=\"wp-block-heading\">Exclusion:<\/h6>\n\n\n\n<ul class=\"wp-block-list\"><li>Treatment of obesity.<\/li><li>HIV,AIDS,STD, ETC.<\/li><li>Treatment of genetics disorder<\/li><li>Naturopathy and experimental treatments<\/li><li>drug\/ alcohol abuse<\/li><li>spectacles, contact lens, hearing aid, cochlear implants<\/li><li>Convalescence, general debility, run-down condition, etc.<\/li><\/ul>\n\n\n\n<h6 class=\"wp-block-heading\">Cashless Procedure<\/h6>\n\n\n\n<p>Cashless facility available only in network hospital \/ PPN. else it Will be reimbursed <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Feature &amp; 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, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":136,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[186,1],"tags":[119,108,118,120,135],"class_list":["post-302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance-mediclaim","category-uncategorized","tag-best-health-insurance-plan","tag-health-insurance","tag-mediclaim","tag-national-insurance","tag-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>National Mediclaim+Policy - Shipra Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shiprafinance.com\/blog\/national-mediclaimpolicy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"National Mediclaim+Policy - Shipra Finance\" \/>\n<meta property=\"og:description\" content=\"Feature &amp; 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. 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