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  • National Parivar Mediclaim Policy

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    National Parivar Mediclaim Policy is a health insurance cover designed to provide protection for an entire family. As a family floater policy, this cover protects the entire family under a single policy. The available sum insured amount can be used by any member of the family against various ailments or injuries. As per the policy description, a family is limited to self, spouse, and two dependent children. This policy primarily aims to minimise the financial burden of a family during an unexpected illness or accidental injury.

    Eligibility for Parivar Mediclaim

    Policyholders must fit within the following eligibility criteria in order to successfully avail the Parivar Mediclaim Policy offered by National Insurance.

    • The policy is available for anyone between the age of 18 years and 60 years.
    • Dependent children between the age of 5 years and 25 years can be covered provided their parents are also covered.
    • Dependent female child can be covered till marriage (if not employed).

    Features of National Parivar Mediclaim Policy

    Some of the key features of National Parivar Mediclaim Policy can be listed as follows.

    • Sum insured amount for the policy ranges from Rs.2 lakh to Rs.5 lakh in incremental values of Rs.50,000.
    • It is possible to renew this cover till the age of 65.
    • Cashless treatment facility as well as reimbursement of hospitalisation expenses is available.
    • Policy is typically issued for a period of one year, and it must be renewed every year without fail.
    • Premium charges for this policy are based on the age of the eldest member of the family.
    • There is a general waiting period of 30 days from the date of commencement of the policy for coverage of diseases. This waiting period does not apply for accidental injuries.
    • Pre-existing diseases are covered after 48 months of continuous policy coverage.
    • There is a two-year waiting period for certain conditions like cataract, benign prostatic hypertrophy, sinusitis, joint replacement surgery, hysterectomy, hydrocele, hernia, etc.
    • Pre hospitalisation expenses are covered for up to 15 days prior to the date of hospitalisation.
    • Post hospitalisation expenses are covered for up to 30 days following discharge from the hospital.
    • More than 140 day care procedures are covered under this policy.
    • Copayment is required for claims arising out of diabetes and hypertension if the conditions are pre-existing.
    • A grace period of 30 days is provided for renewal of this policy following the date of expiry.
    • The premium amount paid towards this policy is eligible for tax relief as per section 80D of the Income Tax Act.

    Benefits of National Parivar Mediclaim Policy

    The benefits offered by National Parivar Mediclaim policy can be given in the following table.

    Room rent charges Up to 1% of the sum insured per day
    Intensive care unit charges Up to 2% of the sum insured per day
    Hospitalisation charges Fees provided to surgeon, anaesthetist, medical practitioners, and consultants
    Medical expenses covered Blood, anaesthesia, oxygen, operation theatre charges, surgical appliances, drugs, medicines, chemotherapy, x-rays, cost of pacemaker, cost of artificial limbs, etc.
    Organ donor expenses Coverage provided for surgery costs when the insured person is donating an organ to another person
    Limit for total expenses Total expenses for one particular illness are limited to 50% of the sum insured

    Exclusions under National Parivar Mediclaim Policy

    National Parivar Mediclaim policy comes with a range of exclusions for which the insurer is not liable for any payment. Some of the key exclusions can be listed as follows.

    • Any sexually transmitted diseases, venereal diseases, HIV, and AIDS
    • Expenses related to circumcision unless necessitated by an accident
    • Expenses related to diagnosis or examinations not related to the primary reason for hospitalisation
    • Intentional self-injuries or injuries caused by attempted suicide
    • Injuries occurred while under the influence of drugs or alcohol
    • Expenses related to vaccination or inoculation
    • Congenital diseases, general debility, run down condition, or convalescence
    • Cosmetic or aesthetic treatments of any kinds
    • Injuries caused by war, warlike activities, or nuclear weapons
    • Any treatment related to childbirth, maternity, or pregnancy
    • Expenses incurred for vitamins and tonics unless prescribed by the medical practitioner

    Claim Process for National Parivar Mediclaim Policy

    Cashless treatment facility for National Parivar Mediclaim policy is available only in the company’s network hospitals. It is possible to avail cashless treatment only after prior approval from the third-party administrator (TPA). For planned hospitalisation, the TPA must be informed at least 72 hours before hospitalisation. For emergency hospitalisation, the TPA must be informed within 24 hours of hospitalisation.

    For reimbursement claims, the insured must submit a list of documents to the insurance company. These documents include:

    • Completed claim form
    • Original bills, payment receipts, and medical certificates
    • Prescription for medicines and drugs
    • Certificate of a medical practitioner for a certain diagnosis
    • Certificate from the surgeon
    • Any other document requested by the insurer or TPA

    Once these documents are submitted, the insurer will check the validity of the claim. All these documents must be submitted to the TPA or insurance company within 15 days after discharge from hospital. Any claims regarding post hospitalisation treatment must also be completed within 15 days after the end of the treatment. The insurer may also assign an agent to enquire with the insured person regarding a claim. The company will inform about the acceptance or rejection of the claim within a maximum of 30 days after submitting all documents. In case of rejection, the reason shall be provided in writing to the insured. Once the claim is accepted, the reimbursement amount will be paid to the claimant within 7 days.

    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    National Parivar Mediclaim Policy Reviews

    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      LIFE INSURANCE CORPORATION OF INDIA is the insurance provider where i have taken the JEEVAN LAKSHYA policy before 15 years and i am using it, policy premium i ma paying on yearly basis also the policy coverage is for complete family. /it also provides the accidental benefits with this policy.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the JEEVAN LABH life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA where the tenuity period of this policy is for twenty years also i am holding it since from last 15 years. The premium i am paying for yearly once with this policy.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am holding the JEEVAN SATHI policy with the LIFE INSURANCE CORPORATION OF INDIA since from last fifteen years as the maturity period is for twenty years with this life insurance policy. It gives the life coverage after the maturity period.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am using the LIFE INSURANCE CORPORATION OF INDIA since from last 15 years where i have purchased the JEEVAN SARAL policy which gives the policy coverage is for complete family where the maturity period is for twenty years also the premium i pay by yearly once.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The name of the policy is JEEVA ANAND policy that i have purchased it through the LIFE INSURANCE CORPORATION OF INDIA before 15 years. where the maturity period is for twenty years also the policy coverage is for complete family. The premium i pay on yearly once.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have purchased the life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA where the name of the policy is MONEY BACK where i am holding it since from last 15 years. It gives the life coverage after the maturity period with this insurance policy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the BHIMA GOLD policy with the LIFE INSURANCE CORPORATION OF INDIA LIFE INSURANCE CORPORATION OF INDIA where i have been using it from last 10 years. The premium i pay for 3 months once also the maturity period is for 15 years with this policy.
      Was this review helpful? 0
      , yamuna nagar
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have taken the JEEVAN SARAL policy with the LIFE INSURANCE CORPORATION OF INDIA where the maturity period is for 12 years also the premium i pay for 3 months once for this insurance policy. It gives the self coverage with this insurance policy.
      Was this review helpful? 1
      , yamuna nagar
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      LIFE INSURANCE CORPORATION OF INDIA is the insurance provider where i have taken the life insurance policy. I am not aware of the name of the policy but it is a life insurance policy where the maturity period is 20 years along with that it gives the life and accidental coverage with this policy.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I have taken the life insurance policy of CHILD PLAN with the LIFE INSURANCE CORPORATION OF INDIA where i am using it since from last en years also the maturity period if this policy is for 20 years and the premium i pay yearly once. It gives the self coverage.
      Was this review helpful? 1
      , nagpur
      Reviewed on Jan 30, 2019
    • Bankbazaarinsurance.com Life Insurance
      "CONVENIENT PORTAL TO USE"
      0.5 3.0/5 "Satisfactory"
      It is the first time experience with the Bankbazarinsurance.com where i am using it through the website as the portal is user friendly also it i s convenient to access. the customer servcie is good but if they respond properly and correctly it would be better.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 30, 2019
    • ICICI Prudential Life Insurance
      "GOOD POLICY"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the life insurance policy with the ICICI PRUDENTIAL is because it is good policy to use. Premium and the IDV value is satisfactory wit this insurance policy. It is the term plan, i have not received the hard copy yet with this policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 30, 2019
    • ICICI Prudential Life Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I have purchased the accidental policy with the ICICI PRUDENTIAL where in am using it since from last one year and it gives the coverage for self for any accidentals. Premium i am paying it on 6 months once as 6k-10k with this insurance policy.
      Was this review helpful? 0
      , nizamabad
      Reviewed on Jan 29, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have taken the life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA and the name of the policy is JEEVAN SREE plan where the maturity period is for 22 years and i got the sum assured amount added on that they are giving the coverage after the maturity.
      Was this review helpful? 0
      , nizamabad
      Reviewed on Jan 29, 2019
    • ICICI Prudential Life Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have taken the EULIP policy with the ICICI PRUDENTIAL where it gives the self coverage also the maturity period of this policy is for 20 years. Premium i pay on monthly basis with this policy. The documentation process is simple and easy to get the policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 29, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      LIFE INSURANCE CORPORATION OF INDIA is life insurance provider where i have taken the MONEY BACK policy with this and i am using from last few years and the policy has got matured. The maturity period is for 15 years where the premium i pay yearly once.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 29, 2019
    • Bharti Axa Life Life Insurance
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I am holding the life insurance policy with the BHARATI AXXAwhere i have been using it since from last two years and the name of the policy is CHILD PLAN where the maturity period is for 10 years. I am paying premium for 6 months once with this policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Life Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      The customer service is very good and i am very much satisfied because they have supported by getting the life insurance policy also they are responsive. It is the first time experience and i am using it through the mobile application as the portal is user friendly to access.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 29, 2019
    • Aegon Life Life Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the life insurance policy with the AEGON LIFE is because when compared to the other insurance polices it is best. It is the term insurance policy where i pay the premium on monthly basis. The policy coverage is for self and spouse.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 29, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I have been using the life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA since from last 10-15 years where the maturity period of this policy is for long term added on that the policy coverage is for complete family. Premium i pay on yearly once for this insurance.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 29, 2019
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