{"id":71,"date":"2020-05-04T13:50:00","date_gmt":"2020-05-04T08:20:00","guid":{"rendered":""},"modified":"2021-04-24T19:24:00","modified_gmt":"2021-04-24T13:54:00","slug":"best-health-insurance-plan","status":"publish","type":"post","link":"https:\/\/shiprafinance.com\/blog\/best-health-insurance-plan\/","title":{"rendered":"Best Health Insurance Plan"},"content":{"rendered":"
\n

 <\/h2>\n

National Parivar Mediclaim Policy<\/strong><\/h1>\n
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National Parivar Mediclaim <\/a>Policy is a Customized Health Insurance Plan that provides all the Medical Insurance needs for an entire family in a single Policy & single Sum Insured, The Policy covers<\/a> expenses in respect of inpatient treatment (allopathy, Ayurveda and homeopathy), domiciliary hospitalization, reasonably and usually incurred for treatment of a disease or an injury contracted\/sustained during the policy period. The Policy also covers pre-hospitalization and post-hospitalization expenses, more than140 daycare procedures\/surgeries, organ<\/span>
donor\u2019s medical expenses, hospital cash, ambulance charges, air ambulance charges, medical emergency reunion, doctor\u2019s home visit, and nursing care during post-hospitalization<\/a>, anti-rabies vaccination, maternity expenses, infertility expenses, vaccination for children and seconde -medical opinion. Pre-existing Diabetes and\/or Hypertension, Outpatient Treatment, and other important Illness.         <\/span><\/p>\n\n\n\n\n
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www.shiprafinance.com<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

  Coverage Type-<\/strong><\/span>   Floater insurance<\/span><\/span><\/strong>
covering the members of a family under one sum insured and shall cover a minimum of two relations.<\/span><\/span><\/h1>\n

                   <\/span>
   Minimum Sum Insured –<\/span><\/strong>      <\/span>1 <\/span><\/strong><\/span>Lakh<\/span><\/span><\/span><\/p>\n

  Maximum Sum Insured-         <\/strong>10<\/strong>Lakh<\/span><\/span><\/span><\/span><\/div>\n

<\/span><\/p>\n

   Minimum Entry Age<\/span><\/strong>–        <\/span>18<\/strong><\/span>Years<\/span><\/span><\/span><\/div>\n

<\/span><\/p>\n

     Maximum Entry Age<\/span><\/strong>–         65<\/strong> Years<\/span><\/span><\/h1>\n
\n

Eligibility<\/span><\/strong>–  <\/span>Self, Spouse, dependent Children’s, Parents <\/span><\/span><\/h2>\n

Childrens coverage Age<\/span>–  Minimum 3 Months Maximum 18 years<\/span><\/span><\/span><\/h4>\n

Dependent <\/span>Male Child<\/span><\/strong> if not employed or a bonafide student cover up to 25 Years<\/span>
Female Child <\/span><\/strong>if not employed  Cover till Marriage<\/span><\/p>\n

Policy Term- <\/strong><\/span><\/span>   1 to 3 Years<\/span>
Treatment Nature<\/strong><\/span><\/span>–  Allopathy, Ayurveda, Homeopathy<\/span>
Pre- Policy Medical Check Up <\/span><\/span><\/strong>– Policy check-up is required for all individual relations who are fifty years and above or between the age of eighteen years and sixty-five years, choosing Critical Illness?<\/span>
The Company shall reimburse 50% of the expenses incurred for pre-Policy check -up if the proposal is accepted and therefore the premium has been realized.<\/span>
Room Rent & Nursing Charges<\/strong><\/span>–   1% of Sum Insured<\/span>
ICU CHARGES-  <\/strong><\/span>2% of Sum Insured<\/span>
Domiciliary Treatment<\/strong><\/span>–  cover for  domiciliary  Hospitalization expense<\/span>
Day Care Procedure<\/span><\/strong>–  Cover More than 140 daycare Procedures for example dialysis, chemotherapy, etc. Up to Sum Insured.<\/span>
Donor Medical Expense-<\/strong><\/span> Full cover of the donor organ Medical Expense.<\/span>
 Hospital Cash Benefit-<\/a><\/strong><\/span>
The  Company shall pay the insured a  daily hospital cash allowance up to the limit as shown below for a maximum of five days, provided the hospitalization exceeds three days.<\/span>
Illustration<\/strong>
In the case of hospitalization of 3 days \u2013 No Hospital Cash payable<\/span>
In case of hospitalization of 5 days \u2013 Hospital Cash payable for 4<\/span>th<\/sup> and 5<\/span>th<\/sup> day only, i.e., 2 days<\/span>
In case of hospitalization of 10 days \u2013 Hospital Cash payable for 4<\/span>th<\/sup> to 8<\/span>th<\/sup> day, i.e., 5 days<\/span>
Hospitalization of fewer than 24 hours shall not be considered for the purpose of payment of Hospital Cash<\/span>
 <\/span>Ambulance charges<\/strong> – Up to Rs- 1,000\/- per illness & per insured person, and Rs 2,500\/- (in a policy year)<\/span>
Anti Rabies Vaccination<\/strong><\/span>–  Cover For Anti Rabies Vaccination-  <\/span><\/div>\n


<\/span>Maternity<\/strong><\/span>
The Company shall pay to the hospital or reimburse the insured the medical expenses, incurred as an in-patient, for delivery or termination up to the first two deliveries <\/a>or terminations of pregnancy during the lifetime of the insured or his spouse, if covered by the Policy, provided the Policy has been continuously in force for twenty-four months from the inception of the Policy or from <\/span>the date of inclusion of the insured person by the Policy, whichever is later. The benefits mentioned below are up to the limit as<\/span>
shown in the Table of Benefits.<\/span>
i.     Medical expense for delivery (normal or cesarean).<\/p>\n\n\n\n\n
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<\/span>
ii.    Medical expense for lawful medical termination of pregnancy.<\/span>
iii.   Hospitalization expenses, if medically necessary, up to a maximum of thirty days  for pre-natal and sixty days for post-natal<\/span>
treatment within the sub-limit for maternity. <\/span>
Baby from Birth Cover<\/a><\/strong>
  Medical expenses of the newborn baby\/ newborn babies (in the event of multiple births in a delivery),  including expenses<\/span>
with respect to vaccination. Hospitalization is not required for vaccination.<\/span>
 Infertility<\/a>–  <\/strong><\/span>Cover of infertility treatment of insured and spouse after three years of continuous coverage<\/span>
E- Medical Opinion<\/strong><\/span>– The second medical opinion for a serious illness can be arranged from a world-leading center.<\/span>
Adjustment of the premium for Travel Policy-  Renewal Premium will be adjusted for the period policyholder is abroad and coverage under overseas medical Policy from the National Insurance. <\/span>
No Claim Bonus<\/a>– <\/strong><\/span> 5% flat discount on base premium for each claim-free Policy Year (aggregated for each year and available on renewal) Aggregate amount of NCD allowed shall not exceed flat 5% of the entire base premium for the term of the policy.<\/span>
Long Term Policy Discount-<\/a> <\/strong>4% on the total premium of two years, 7.5% on the total Premium of 3 Years.<\/span>
Health Checkup<\/a><\/strong><\/span><\/div>\n

Waiting period and exclusions <\/strong>– Health check-up Every 4 claim-free years., up to INR 5,000. <\/p>\n\n\n\n\n
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<\/span>
Pre-existing illnesses Shall be covered after the Policy has been continuously effective for forty-eight months.<\/span>
Waiting period First thirty days from the inception of the Policy. Certain illnesses as Benign ENT disorders, Tonsillectomy, Adenoidectomy, Mastoidectomy, and Tympanoplasty are going to be covered after completion of the primary policy year; Cataract, Benign prostatic hypertrophy, etc. are going to be covered after completion of two years of policy; Treatment for joint replacement unless arising from accident Osteoarthritis and osteoporosis are going to be covered after completion of 4 years of the policy<\/span>
HIV, AIDS, STD<\/strong>
Any condition directly or indirectly caused to or associated with  HIV,  AIDS,  complications of  AIDS, and other sexually<\/span>
transmitted diseases (STD).<\/span><\/p>\n

General Debility, Congenital External Anomaly<\/strong>
General debility, run-down condition or rest cure, congenital external disease or defects or anomaly<\/span>
Obesity<\/strong>
Treatment for obesity or a condition arising therefrom (including morbid obesity) and any other weight control and management<\/span>
programme\/services\/supplies or treatment.<\/b><\/span><\/div>\n

Treatment of genetic disorders.<\/b><\/span><\/div>\n
Drug Alcohol abuse.<\/b><\/span><\/div>\n
Spectacles, contact lens, hearing aid, cochlear implants.<\/b><\/span>
Psychiatric Disorder, Self Inflicted Injury<\/strong>
Treatment for all psychiatric and psychosomatic disorders\/diseases, intentional self-inflicted injury, attempted suicide.<\/span>
 <\/span> Genetic Disorders, Stem Cell Surgery (except bone marrow transplant).<\/strong>
 <\/span> Circumcision <\/strong>
Circumcision, except as and to the extent provided<\/span><\/p>\n

 Vaccination or Inoculation<\/strong><\/div>\n

Vaccination or inoculation unless forming part of treatment and requires hospitalization, except as and to the extent provided<\/span><\/div>\n
\n

Optional Cover <\/span><\/h3>\n
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    \n
  1.  <\/span>Pre-existing diabetes and\/ or hypertension optional cover, covered from Inception up to the sum insured opted.<\/span><\/li>\n
  2. Outpatient Treatment-  Cover limit – Rs-2,000 to Rs 10,000, per family<\/span><\/li>\n
  3. Critical Illness –  Lump Sum Benefit Rs 2,00,000 to 10,00,000 on the diagnosis of a Critical Illness<\/span><\/li>\n<\/ol>\n<\/div>\n

    Zone Region Discount (%)<\/strong><\/span>
    II –  capital Territory (NCT) Delhi and National Capital Region (# NCR), Chandigarh, Pune 4.44%<\/span>
    III – Chennai, Hyderabad, Bangalore, Kolkata 11.11%<\/span>
    IV — Rest of India 20%<\/span>
    Premium Rate excluding GST for senior-most members (with TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, the entire state of Gujarat)<\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    Sum Insured \/ Age in years<\/a><\/td>\n18-25<\/a><\/td>\n26-35<\/a><\/td>\n36-45<\/a><\/td>\n46-55<\/a><\/td>\n56- 59<\/a><\/td>\n60-65<\/a><\/td>\n66-70<\/a><\/td>\n71-75<\/a><\/td>\n76-80<\/a><\/td>\n81-85<\/a><\/td>\n86+<\/a><\/td>\n<\/tr>\n
    1,00,000<\/a><\/td>\n3,652<\/a><\/td>\n4,004<\/a><\/td>\n4,967<\/a><\/td>\n7,319<\/a><\/td>\n9,328<\/a><\/td>\n10,404<\/a><\/td>\n11,983<\/a><\/td>\n13,983<\/a><\/td>\n14,716<\/a><\/td>\n16,053<\/a><\/td>\n20,504<\/a><\/td>\n<\/tr>\n
    2,00,000<\/a><\/td>\n4,905<\/a><\/td>\n5,052<\/a><\/td>\n6,928<\/a><\/td>\n11,148<\/a><\/td>\n14,156<\/a><\/td>\n16,576<\/a><\/td>\n20,243<\/a><\/td>\n23,118<\/a><\/td>\n25,230<\/a><\/td>\n27,846<\/a><\/td>\n29,421<\/a><\/td>\n<\/tr>\n
    3,00,000<\/a><\/td>\n5,942<\/a><\/td>\n6,120<\/a><\/td>\n8,542<\/a><\/td>\n12,746<\/a><\/td>\n16,695<\/a><\/td>\n19,111<\/a><\/td>\n22,550<\/a><\/td>\n31,279<\/a><\/td>\n35,175<\/a><\/td>\n39,219<\/a><\/td>\n41,838<\/a><\/td>\n<\/tr>\n
    4,00,000<\/a><\/td>\n6,671<\/a><\/td>\n7,158<\/a><\/td>\n9.935<\/a><\/td>\n15,123<\/a><\/td>\n18,138<\/a><\/td>\n22,261<\/a><\/td>\n26,744<\/a><\/td>\n38,879<\/a><\/td>\n44,506<\/a><\/td>\n50,133<\/a><\/td>\n54,001<\/a><\/td>\n<\/tr>\n
    5,00,000<\/a><\/td>\n7,325<\/a><\/td>\n8,007<\/a><\/td>\n11,253<\/a><\/td>\n16,943<\/a><\/td>\n19,208<\/a><\/td>\n24,812<\/a><\/td>\n30,241<\/a><\/td>\n46,660<\/a><\/td>\n53,313<\/a><\/td>\n60,652<\/a><\/td>\n65,864<\/a><\/td>\n<\/tr>\n
    6,00,000<\/a><\/td>\n7,926<\/a><\/td>\n8,862<\/a><\/td>\n12,607<\/a><\/td>\n18,513<\/a><\/td>\n20,504<\/a><\/td>\n27,842<\/a><\/td>\n33,335<\/a><\/td>\n53,414<\/a><\/td>\n61,612<\/a><\/td>\n70,753<\/a><\/td>\n77,402<\/a><\/td>\n<\/tr>\n
    7,00,000<\/a><\/td>\n8,551<\/a><\/td>\n9,746<\/a><\/td>\n13,613<\/a><\/td>\n20,911<\/a><\/td>\n23,173<\/a><\/td>\n29,854<\/a><\/td>\n35,771<\/a><\/td>\n58,469<\/a><\/td>\n68,889<\/a><\/td>\n79,875<\/a><\/td>\n88,043<\/a><\/td>\n<\/tr>\n
    8,00,000<\/a><\/td>\n9,153<\/a><\/td>\n10,681<\/a><\/td>\n14,685<\/a><\/td>\n22,269<\/a><\/td>\n23,767<\/a><\/td>\n31,244<\/a><\/td>\n37,787<\/a><\/td>\n61,768<\/a><\/td>\n75,998<\/a><\/td>\n93,136<\/a><\/td>\n1,02,696<\/a><\/td>\n<\/tr>\n
    9,00,000<\/a><\/td>\n9,662<\/a><\/td>\n11,685<\/a><\/td>\n15,595<\/a><\/td>\n23,491<\/a><\/td>\n25,288<\/a><\/td>\n35,357<\/a><\/td>\n40,619<\/a><\/td>\n64,512<\/a><\/td>\n82,735<\/a><\/td>\n1,07,390<\/a><\/td>\n1,18,446<\/a><\/td>\n<\/tr>\n
    10,00,000<\/a><\/td>\n10,148<\/a><\/td>\n12,292<\/a><\/td>\n17,173<\/a><\/td>\n24,806<\/a><\/td>\n27,180<\/a><\/td>\n37,709<\/a><\/td>\n43,673<\/a><\/td>\n66,723<\/a><\/td>\n89,262<\/a><\/td>\n122,733<\/a><\/td>\n1,34,143<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    Premium Rate excluding GST for other family members (with TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, the entire state of Gujarat)<\/a><\/td>\n<\/td>\n<\/tr>\n
    <\/td>\nSum Insured ) \/ Age
    (in months & years)<\/a><\/td>\n    		3m-5<\/a><\/td>\n6-17<\/a><\/td>\n18-25<\/a><\/td>\n26-35<\/a><\/td>\n36-45<\/a><\/td>\n46-55<\/a><\/td>\n56-59<\/a><\/td>\n60-65<\/a><\/td>\n66-70<\/a><\/td>\n71-75<\/a><\/td>\n76-80<\/a><\/td>\n81-85<\/a><\/td>\n86+<\/a><\/td>\n<\/tr>\n
    <\/td>\n1,00,000<\/a><\/td>\n469<\/a><\/td>\n531<\/a><\/td>\n594<\/a><\/td>\n678<\/a><\/td>\n1207<\/a><\/td>\n2551<\/a><\/td>\n3756<\/a><\/td>\n5202<\/a><\/td>\n6220<\/a><\/td>\n7507<\/a><\/td>\n8234<\/a><\/td>\n9325<\/a><\/td>\n13328<\/a><\/td>\n<\/tr>\n
    <\/td>\n2,00,000<\/a><\/td>\n573<\/a><\/td>\n644<\/a><\/td>\n798<\/a><\/td>\n856<\/a><\/td>\n1684<\/a><\/td>\n3886<\/a><\/td>\n5701<\/a><\/td>\n8288<\/a><\/td>\n10508<\/a><\/td>\n12459<\/a><\/td>\n14116<\/a><\/td>\n16175<\/a><\/td>\n19124<\/a><\/td>\n<\/tr>\n
    <\/td>\n3,00,000<\/a><\/td>\n656<\/a><\/td>\n734<\/a><\/td>\n967<\/a><\/td>\n1037<\/a><\/td>\n2076<\/a><\/td>\n4443<\/a><\/td>\n6723<\/a><\/td>\n9556<\/a><\/td>\n11706<\/a><\/td>\n16857<\/a><\/td>\n19680<\/a><\/td>\n22781<\/a><\/td>\n27195<\/a><\/td>\n<\/tr>\n
    <\/td>\n4,00,000<\/a><\/td>\n701<\/a><\/td>\n782<\/a><\/td>\n1085<\/a><\/td>\n1213<\/a><\/td>\n2415<\/a><\/td>\n5272<\/a><\/td>\n7304<\/a><\/td>\n11131<\/a><\/td>\n13883<\/a><\/td>\n20953<\/a><\/td>\n24901<\/a><\/td>\n29121<\/a><\/td>\n35100<\/a><\/td>\n<\/tr>\n
    <\/td>\n5,00,000<\/a><\/td>\n740<\/a><\/td>\n824<\/a><\/td>\n1192<\/a><\/td>\n1357<\/a><\/td>\n2735<\/a><\/td>\n5906<\/a><\/td>\n7735<\/a><\/td>\n12406<\/a><\/td>\n15698<\/a><\/td>\n25146<\/a><\/td>\n29829<\/a><\/td>\n35231<\/a><\/td>\n42812<\/a><\/td>\n<\/tr>\n
    <\/td>\n6,00,000<\/a><\/td>\n775<\/a><\/td>\n861<\/a><\/td>\n1290<\/a><\/td>\n1501<\/a><\/td>\n3064<\/a><\/td>\n6453<\/a><\/td>\n8257<\/a><\/td>\n13921<\/a><\/td>\n17304<\/a><\/td>\n28786<\/a><\/td>\n34472<\/a><\/td>\n41098<\/a><\/td>\n50311<\/a><\/td>\n<\/tr>\n
    <\/td>\n7,00,000<\/a><\/td>\n811<\/a><\/td>\n900<\/a><\/td>\n1391<\/a><\/td>\n1651<\/a><\/td>\n3308<\/a><\/td>\n7289<\/a><\/td>\n9332<\/a><\/td>\n14927<\/a><\/td>\n18568<\/a><\/td>\n31510<\/a><\/td>\n38543<\/a><\/td>\n46397<\/a><\/td>\n57228<\/a><\/td>\n<\/tr>\n
    <\/td>\n8,00,000<\/a><\/td>\n846<\/a><\/td>\n937<\/a><\/td>\n1489<\/a><\/td>\n1810<\/a><\/td>\n3569<\/a><\/td>\n7763<\/a><\/td>\n9571<\/a><\/td>\n15622<\/a><\/td>\n19615<\/a><\/td>\n33288<\/a><\/td>\n42521<\/a><\/td>\n54100<\/a><\/td>\n66752<\/a><\/td>\n<\/tr>\n
    <\/td>\n9,00,000<\/a><\/td>\n874<\/a><\/td>\n967<\/a><\/td>\n1572<\/a><\/td>\n1980<\/a><\/td>\n3790<\/a><\/td>\n8189<\/a><\/td>\n10183<\/a><\/td>\n17679<\/a><\/td>\n21085<\/a><\/td>\n34767<\/a><\/td>\n46291<\/a><\/td>\n62380<\/a><\/td>\n76990<\/a><\/td>\n<\/tr>\n
    <\/td>\n10,00,000<\/a><\/td>\n900<\/a><\/td>\n994<\/a><\/td>\n1651<\/a><\/td>\n2083<\/a><\/td>\n4173<\/a><\/td>\n8647<\/a><\/td>\n10945<\/a><\/td>\n18855<\/a><\/td>\n22670<\/a><\/td>\n35958<\/a><\/td>\n49943<\/a><\/td>\n71292<\/a><\/td>\n87193<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n
    <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

      National Parivar Mediclaim Policy National Parivar Mediclaim Policy is a Customized Health Insurance Plan that provides all the Medical Insurance needs for an entire family in a single Policy & single Sum Insured, The Policy covers expenses in respect of inpatient treatment (allopathy, Ayurveda and homeopathy), domiciliary hospitalization, reasonably and usually incurred for treatment […]<\/p>\n","protected":false},"author":2,"featured_media":84,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[186,185],"tags":[108,135],"class_list":["post-71","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance-mediclaim","category-insurance","tag-health-insurance","tag-uncategorized"],"yoast_head":"\nBest Health Insurance Plan - 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\/best-health-insurance-plan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Health Insurance Plan - 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