National Parivar Mediclaim Plan benefits, Features, Buy & Renew

National Parivar Mediclaim Plan – Are you worried about the National Parivar Mediclaim Plan (NMMP)? If so, you’re not alone. Many people are concerned about the future of the plan, and whether or not it will be able to cover the medical costs of tribals and other vulnerable groups in the event of an emergency. Here’s everything you need to know about the NMMP, and whether or not it’s right for you.

The National Parivar Mediclaim Policy is a health insurance policy meant to protect a family as a whole. This cover is a family floater policy, so it covers the whole family with a single policy. Any member of the family can use the sum insured amount to cover a variety of illnesses or injuries. A family is limited to one person, their spouse, and two dependent children, according to the policy description. The primary objective of this policy is to reduce a family’s financial burden in the event of an unexpected illness or accident.

National Parivar Mediclaim Plan

The National Parivar Mediclaim Policy encourages family coverage with a single sum insured. This is a family floater plan that covers a variety of illnesses and injuries. Any member of the family who is covered by the plan is eligible to take advantage of the policy’s benefits.

The National Parivar Mediclaim Policy covers costs associated with inpatient (allopathy, ayurveda, and homeopathy) and domiciliary hospitalization for diseases or injuries contracted or sustained during the policy period. Pre-hospital and post-hospital expenses, 140+ day care procedures and surgeries, medical expenses for organ donors, hospital cash, ambulance charges, anti-rabies vaccination, maternity expenses, infertility expenses, and medical second opinions are all covered by the policy.

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National Parivar Mediclaim Plan

National Parivar Mediclaim Plan Details

Name Of ArticleNational Parivar Mediclaim Plan
National Parivar Mediclaim PlanClick Here
CategoryInsurance
Official WebsiteClick Also

About National Parivar Mediclaim Health Insurance

The National Insurance Company’s National Parivar Mediclaim Policy is a family floater policy with a single sum insured that covers all family members. The policy offers a variety of sum insured options, ranging from Rs. 15,000 and Rs. 10 Lakh, from which you can select based on your needs. In network hospitals, this medical insurance policy reimburses covered expenses up to a certain limit or pays covered expenses in cash up to a certain limit. In-patient hospital expenses, pre- and post-hospital expenses, domiciliary expenses, daycare expenses, Ayurveda and homoeopathy expenses, ambulance expenses, modern treatments, and organ donor medical expenses are among the coverage benefits you can take advantage of under this policy. If you want to expand your policy’s coverage, you can buy additional covers in addition to the ones already included. Critical illness, outpatient treatment, and pre-existing diabetes or hypertension are the three add-ons available under the policy.

The benefits of the National Parivar Mediclaim Policy are numerous. In addition to the benefits listed above, it provides you with renewal benefits like the No Claim Discount (NCD) and health check, a medical second opinion for 88 illnesses, tax benefits on the premium paid (under Section 80D of the Income Tax Act of 1961), a free look period, and other similar benefits. You are allowed to renew the policy at any time during your lifetime, but it must be renewed annually. Keep in mind that the policy includes a waiting period that must be completed before you can take advantage of the coverage’s benefits. For instance, the initial waiting period, the waiting period for certain illnesses, and the waiting period for diseases that already exist. Overall, the policy is advantageous for families seeking comprehensive protection.

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Types Of National Parivar Mediclaim Plus Policy

There are basically two types of national parivar mediclaim policies- those that provide hospitalization cover and those that provide ailment cover. Coverage under an insurance policy for hospitalization and illness can be important in cases of an emergency. If you are injured or ill and require hospitalization or treatment, make sure to talk to your insurance provider about the types of cover available.

The National Insurance Parivar Mediclaim Plus Policy is a family floater policy with a single sum insured that covers the entire family, including self, spouse, children, and parents or parents-in-law.

Eligibility Criteria

ParticularsMin-Max
Entry AgeAdult: 18-65 Yrs

Child: 3 months-25yrs

 

Sum InsuredPlan A: Rs 6 lakh-Rs 10 lakh in multiples of Rs 1 lakh

B: Rs 15 lakh/Rs 20 lakh/Rs 25 lakh

Plan C: Rs 30 lakh/Rs 40 lakh/Rs 50 lakh

 

Policy Term1/2/3

What National Parivar Mediclaim Plus Policy Covers?

Are you confused about what National Parivar Mediclaim Plus policy covers? Don’t worry – you’re not alone. In this article, we’ll explain everything you need to know about this vital policy and its various provisions. We’ll also provide a list of the benefits that you can expect if you’re registered under this policy. So whether you’re looking for coverage for your loved ones or just want to be sure you’re taking the right steps, read on to learn more!

The following are covered by this health insurance policy:

  • Hospitalisation expenses : Room rent, boarding, nursing
  • Allopathy, Ayurveda, Homeopathy
  • Pre/ Post Hospitalisation Expenses
  • Day Care Treatment
  • Domiciliary treatment
  • Room rent, boarding, nursing
  • Organ Donor Expenses
  • Maternity Expenses
  • Air, Ambulance charges
  • Doctor’s home vist
  • Nursing care during post hospitalisation
  • Anti-rabies vaccination
  • Maternity Expenses
  • Infertility expenses
  • Vaccination for children

 

CoveragePlan APlan BC
Domiciliary TreatmentUp to Rs 1 lakhUp to Rs 2 lakh 2 lakh
Maternity ExpensesUp to Rs 30,000 for normal delivery and Rs 50,000 for caesarean sectionActualActual
Infertility Treatment CoverUp to 50,000to Rs 1 lakh Rs 1 lakh
Anti-rabies coverto Rs 5,000
Ambulance ExpensesUp to Rs 2500Up to Rs 4000Rs 5,000
Air Ambulance expenses

 

Not CoveredUp to 5% of Sum InsuredUp to 5% of SI

 

Medical Emergency ReunionNot CoveredNo SublimitNo Sublimit
Post hospitalisation expenses for Doctor’s home visit & nursing careNot CoveredRs 1000/ day maximum of 10 daysRs 2000/ day maximum of 10 days
In Patient TreatmentUp to Sum Insured

 

Up to Sum Insured

 

 Sum Insured

 

Claim Process

For credit only and repayment Interaction, following advances ought to be followed:

  • Illuminate the TPA about ahead of time to get the pre-authorisation inside 24/72 hours of affirmation for crisis treatment/arranged hospitalization at one of the organization emergency clinics
  • The safeguarded or somebody from his sake needs to take care of Credit only solicitation structure which will be shipped off TPA for authorisation
  • Show the pre-authorisation letter, wellbeing card gave by the organization, ID confirmation, strategy to the organization emergency clinic to profit the credit only treatment office
  • In the event that the cycle is followed appropriately and the records are all together, the organization will settle the case
  • In the event of repayment process, finish up the case structure and send it to the TPA alongside different reports expected for the cycle in somewhere around 15 days of release from the emergency clinic
  • The organization will confirm the archives got and support the case assuming everything is all together.

Document Required To Claim

Here are the reports expected to submit to the insurance agency:

  • Appropriately marked guarantee and NEFT structure
  • Unique emergency clinic release card
  • Unique emergency clinic bill
  • Unique cash receipt properly endorsed with an income stamp
  • Guarantee settlement letter from some other back up plan (if any) if there should be an occurrence of fractional settlement
  • Aadhaar card and Dish card duplicates
  • Some other report expected by organization/TPA

Also Read-Employee First Health Insurance Plan

Cases Where You Can’t Claim National Parivar Mediclaim Plus Policy

The insurance agency isn’t obligated to pay in the event that the case emerges because of the accompanying cases:

  • Deliberate self-injury
  • Self destruction
  • Guaranteed affected by drugs, liquor
  • Helps and other HIV related treatment
  • Nutrients and tonics except if framing a piece of the principal treatment
  • Dental treatment
  • Guarantee because of war, attack and atomic risks

How Long Does It Take To Pay Out A Claim?

The cases should be insinuated inside the term of 24 hours [under hospitalization]. After getting every one of the expected reports, the insurance agency will survey and assess them and appropriately settle the case in 30 days or less.

Renewal Process Of National Parivar Mediclaim Plus Policy

This strategy can be reestablished every year all through the lifetime of the safeguarded individual. If the guaranteed wish to expand the aggregate protected, S/he can do it at the hour of restoration. The policyholder will get 30 days as an effortlessness period from the date of expiry to recharge his strategy. It is prescribed for a guaranteed to pay opportune premium before his strategy gets slipped by.

Advantages Of Buying National Insurance Parivar Mediclaim Plus Policy

  • Typically non-allopathic medicines, for example, Allopathy, Ayurveda, Homeopathy are not shrouded in the fundamental health care coverage strategy but rather under this, it is concealed to full aggregate protected
  • The arrangement holder can look for clinical second assessment for 160 significant ailments
  • This arrangement gives the advantage of day to day cash benefit
  • Policyholder can profit tax cuts for the exceptional paid under segment 80D of the Personal Assessment act 1961
  • Free look period is accessible where the policyholder gets 15 days to audit the agreements of the strategy and return something very similar in the event that not saw as reasonable

Critical Aspects

  • No tax reduction is permitted on the superior paid under Basic Ailment cover, assuming it is selected by the policyholder
  • Sum accessible under Basic Sickness cover is restricted to the half of the aggregate safeguarded
  • Costs of Prior sickness like diabetes/or hypertension will be covered after ceaseless three years of protection

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