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National Insurance

National Insurance

National Parivar Mediclaim Plus: Not recommended for covers below 10 lakhs due to the lack of restoration benefits, meaning multiple family members being hospitalized in a year could quickly deplete the coverage.

What We Like

This section highlights the strengths and benefits of National Parivar Mediclaim Plus policy policy by National Insurance. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

What Is Okay

This section outlines the satisfactory but not exceptional aspects of National Parivar Mediclaim Plus policy policy by National Insurance. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Reasonable waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Free Health Checkups every year

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

Maternity benefits offered

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

Some coverage if you are forced to hospitalize at home

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

What We Don't Like

This section addresses the limitations and drawbacks of National Parivar Mediclaim Plus policy policy by National Insurance. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

Maternity Coverage (?50,000, 2-Year Wait): The insurer covers maternity expenses up to ?50,000, with a 2-year waiting period.

No Bonus for being healthy and not claiming insurance

Domiciliary Cover (?1,00,000): The insurer will pay up to ?1,00,000 if you are forced to hospitalize at home due to a medical condition or the hospita...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

No Bonus for being healthy and not claiming insurance

Domiciliary Cover (?1,00,000): The insurer will pay up to ?1,00,000 if you are forced to hospitalize at home due to a medical condition or the hospita...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for National Parivar Mediclaim Plus Policy in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Parivar Mediclaim Plus Policy offers family coverage with a higher sum insured and additional benefits such as maternity coverage and wellness programs.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

Yes, the plan includes coverage for alternative treatments like Ayurveda, Homeopathy, and Unani.

Yes, the plan offers a No Claim Bonus where the sum insured increases by 10% for each claim-free year, up to a maximum of 50%.

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