National Parivar Mediclaim Policy | National Health Insurance Policy

National Parivar Mediclaim Policy offers health care coverage the whole family. It is a family tree strategy; the whole family gets inclusion under a single roof arrangement.National Parivar mediclaim plan aims to encourage the protection of the whole Family on a single sum insured.This family floater plan that provides coverage for various illness or accident.

A health policy is essential particularly because it covers most health expenses, including hospitalization expenses, medical bills, cost of surgery, ambulance and other medical expenses. Depend on the sort of cover, insurance companies usually provide two types of health insurance policies: Medical insurance health plan and serious illness plan. While the previous can be availed as part of family floater health plans, the critical illness policy can not be availed for the family through single premium payment .

The policy is in best demand for the benefits that come in with it. The policy gets the policyholders covered with pre and post-hospitalization cover, daycare treatments, domiciliary treatments, organ donor expenses, etc. and also gives you lifelong renew-ability of the policy. The policy also provides advantages of Pre-existing Hypertension and Diabetes Cover, Critical Illness Cover, and Out-patient Treatment Cover which can be brought by the policyholders by paying a little extra premium.
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What’s Included National Parivar Mediclaim Policy

In-patient hospitalization expenses
More than 140 daycare treatments
30 days pre-hospitalization expenses
60 days post-hospitalization expenses
Ayurveda, Homeopathy, treatments up to fully covered

What’s Not Included National Parivar Mediclaim Policy

Sterility, assisted conception, infertility
Psychiatric disorder or any self-inflicted injury
HIV, AIDS, or any sexually transmitted disease
Maternity benefits not covered until 36 months
Any other disease contracted during the initial 30 days of the policy

Rate Chart (Rate (in ₹) National Parivar Mediclaim Policy

Rate for senior most family member (without TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, entire state of Gujarat)

SI	3m – 5	6-17y	18 – 25	26-35	36-45	46-55	56-59	60-65	66-70	71-75	76-80	81-85	86 +
1,00,000	Only dependents	Only dependents	3,618	3,966	4,920	7,250	9,240	10,306	11,870	13,798	14,577	15,902	20,311
2,00,000	Only dependents	Only dependents	4,859	5,005	6,863	11,043	14,023	16,420	20,052	22,899	24,992	27,584	29,144
3,00,000	Only dependents	Only dependents	5,885	6,062	8,461	12,626	16,538	18,932	22,338	30,984	34,843	38,849	41,444
4,00,000	Only dependents	Only dependents	6,608	7,091	9,842	14,980	17,967	22,051	26,492	38,512	44,086	49,660	53,491
5,00,000	Only dependents	Only dependents	7,257	7,932	11,147	16,783	19,026	24,577	29,957	46,220	52,811	60,080	65,243
6,00,000	Only dependents	Only dependents	7,852	8,778	12,489	18,338	20,311	27,579	33,020	52,911	61,031	70,085	76,672
7,00,000	Only dependents	Only dependents	8,470	9,654	13,484	20,713	22,954	29,572	35,433	57,918	68,238	79,122	87,213
8,00,000	Only dependents	Only dependents	9,067	10,580	14,546	22,058	23,542	30,949	37,430	61,186	75,281	92,257	1,01,727
9,00,000	Only dependents	Only dependents	9,571	11,575	15,448	23,270	25,050	35,024	40,236	63,903	81,955	1,06,377	1,17,329
10,00,000	Only dependents	Only dependents	10,053	12,177	17,011	24,572	26,924	37,354	43,261	66,093	88,421	1,21,575	1,32,878
GST extra

Rate for other family members (without TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, entire state of Gujarat)

SI	3m – 5	6-17y	18 – 25	26-35	36-45	46-55	56-59	60-65	66-70	71-75	76-80	81-85	86 +
1,00,000	464	526	589	672	1,196	2,527	3,721	5,153	6,161	7,436	8,156	9,237	13,202
2,00,000	567	637	791	848	1,667	3,849	5,647	8,210	10,409	12,341	13,983	16,022	18,943
3,00,000	650	727	958	1,027	2,056	4,402	6,660	9,466	11,595	16,698	19,494	22,567	26,938
4,00,000	694	775	1,075	1,201	2,392	5,222	7,236	11,026	13,752	20,755	24,667	28,847	34,770
5,00,000	733	816	1,180	1,344	2,709	5,851	7,662	12,289	15,551	24,909	29,548	34,899	42,407
6,00,000	768	853	1,278	1,487	3,036	6,392	8,180	13,790	17,141	28,515	34,147	40,711	49,836
7,00,000	804	891	1,378	1,636	3,277	7,221	9,243	14,786	18,393	31,213	38,180	45,960	56,688
8,00,000	838	928	1,475	1,792	3,535	7,689	9,480	15,475	19,430	32,974	42,120	53,590	66,123
9,00,000	866	958	1,557	1,961	3,754	8,111	10,087	17,512	20,887	34,439	45,854	61,791	76,264
10,00,000	891	985	1,636	2,063	4,134	8,566	10,842	18,676	22,456	35,619	49,472	70,620	86,370
GST extra

Rate for senior most family member (with TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, entire state of Gujarat)

SI	3m – 5	6-17y	18 – 25	26-35	36-45	46-55	56-59	60-65	66-70	71-75	76-80	81-85	86 +
1,00,000	Only dependents	Only dependents	3,835	4,204	5,215	7,685	9,794	10,924	12,582	14,627	15,452	16,856	21,529
2,00,000	Only dependents	Only dependents	5,150	5,305	7,274	11,705	14,864	17,405	21,255	24,274	26,492	29,238	30,892
3,00,000	Only dependents	Only dependents	6,239	6,426	8,969	13,383	17,530	20,067	23,678	32,843	36,934	41,180	43,930
4,00,000	Only dependents	Only dependents	7,005	7,516	10,432	15,879	19,045	23,374	28,081	40,823	46,731	52,640	56,701
5,00,000	Only dependents	Only dependents	7,691	8,407	11,816	17,790	20,168	26,053	31,753	48,993	55,979	63,685	69,157
6,00,000	Only dependents	Only dependents	8,322	9,305	13,237	19,439	21,529	29,234	35,002	56,085	64,693	74,291	81,272
7,00,000	Only dependents	Only dependents	8,979	10,233	14,294	21,957	24,332	31,347	37,560	61,392	72,333	83,869	92,445
8,00,000	Only dependents	Only dependents	9,611	11,215	15,419	23,382	24,955	32,806	39,676	64,856	79,798	97,793	1,07,831
9,00,000	Only dependents	Only dependents	10,145	12,269	16,375	24,666	26,552	37,125	42,650	67,738	86,872	1,12,760	1,24,368
10,00,000	Only dependents	Only dependents	10,655	12,907	18,032	26,046	28,539	39,594	45,857	70,059	93,725	1,28,870	1,40,850
GST extra

Rate for other family members (with TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, entire state of Gujarat)

SI	3m – 5	6-17y	18 – 25	26-35	36-45	46-55	56-59	60-65	66-70	71-75	76-80	81-85	86 +
1,00,000	492	558	624	712	1,267	2,679	3,944	5,462	6,531	7,882	8,646	9,791	13,994
2,00,000	602	676	838	899	1,768	4,080	5,986	8,702	11,033	13,082	14,822	16,984	20,080
3,00,000	689	771	1,015	1,089	2,180	4,665	7,059	10,034	12,291	17,700	20,664	23,920	28,555
4,00,000	736	821	1,139	1,274	2,536	5,536	7,669	11,688	14,577	22,001	26,146	30,577	36,855
5,00,000	777	865	1,252	1,425	2,872	6,201	8,122	13,026	16,483	26,403	31,320	36,993	44,953
6,00,000	814	904	1,355	1,576	3,217	6,776	8,670	14,617	18,169	30,225	36,196	43,153	52,827
7,00,000	852	945	1,461	1,734	3,473	7,653	9,799	15,673	19,496	33,086	40,470	48,717	60,089
8,00,000	888	984	1,563	1,901	3,747	8,151	10,050	16,403	20,596	34,952	44,647	56,805	70,090
9,00,000	918	1,015	1,651	2,079	3,980	8,598	10,692	18,563	22,139	36,505	48,606	65,499	80,840
10,00,000	945	1,044	1,734	2,187	4,382	9,079	11,492	19,798	23,804	37,756	52,440	74,857	91,553
GST extra

Discount in premium for other zones:

Zone	Region	Discount
II	National Capital Territory (NCT) Delhi and National Capital Region (# NCR), Chandigarh, Pune	4.44%
III	Chennai, Hyderabad, Bangalore, Kolkata	11.11%
IV	Rest of India	20.00%

#NCR includes Gurgaon-Manesar, Alwar-Bhiwadi, Faridabad-Ballabgarh, Ghaziabad-Loni, Noida, Greater Noida, Bahadurgarh, Sonepat-Kundli Charkhi Dadri, Bhiwani, Narnaul

Optional cover

Rate for Critical Illness (rates per individual in ₹)

Age	2,00,000	3,00,000	5,00,000	10,00,000
18-25	372	557	929	1,858
26-35	647	970	1,617	3,234
36-45	1,198	1,796	2,994	5,988
46-55	2,217	3,326	5,543	11,086
56-59	3,209	4,813	8,022	16,043
60-65	4,643	6,965	11,608	23,217
66-75	9,501	14,251	23,752	47,505
76-85	21,109	31,664	52,773	1,05,546
86+	47,155	70,733	1,17,889	2,35,777
Service Tax extra

Note: Critical Illness Benefit Amount should not be more than the sum insured opted under the Policy

Rate for Outpatient Treatment (rates per family in ₹)

Cover	2,000	3,000	4,000	5,000	10,000
Premium	1,200	1,800	2,400	3,000	6,000
Service Tax extra

Rate for Pre-existing diabetes / hypertension

Cover	Loading on base premium	Copayment
Pre-existing diabetes or Hypertension	13.5% loading on base premium	10% copayment on admissible claim amount for diabetes or hypertension claims
Pre-existing diabetes and Hypertension	30% loading on base premium	25% copayment on admissible claim amount for diabetes or hypertension claims
Service tax extra. Loading applicable on rates with/ without TPA, as opted by insured

Discounts:

No Claim Discount – 5% on base premium for each claim free Policy Year (aggregated for each year and available on renewal)
Online discount	5% on base premium for new policy, 2.5% on base premium for renewal
Discount in Lieu of no Maternity/ Infertility cover for individuals above forty five years – 3% on individual premium

Above discounts will not apply on premium for Optional Covers

Long term discount
Policy with a term of two policy years –	4% on the total premium for two years (including premium for optional covers)
Policy with a term of three policy years-	7.5% on the total premium for three years (including premium for optional covers)