National Parivar Mediclaim

Basic features
Hospitalisation expenses are covered.
Treatment under Allopathy, Ayurveda, Homeopathy are covered upto full sum insured.
Pre (30 days) and Post (60 days) Hospitalisation covered.
140+ Daycare treatments covered.
Domiciliary treatment  Up to 20% of SI, subject to maximum of INR 50,000
Organ Donor’s expenses including pre and post hospitalisation
Capping on any one illness No capping

New Features
Maternity, Newborn baby cover - Up to 10% of SI subject to INR 30,000 in case of normal delivery and INR 50,000 in case of caesarean section
Infertility treatment Cover - Up to INR 50,000
Anti-rabies vaccination Cover - Up to INR 5,000
Medical second opinion -  One MSO per family in a policy year, for 88 major illnesses
Hospital cash benefit (per insured person, per day) - INR 300, max. of 5 days
Ambulance expenses (per insured person, in a policy year) - Up to INR 1,000/- per illness & INR 2,500/-
Zone wise rating with discounts on lower rated zones
Optional cover (by paying additional premium)

Pre-existing Diabetes & Hypertension - Up to the full Sum Insured
Critical Illness Benefit amount – INR 2,00,000/ 3,00,000/5,00,000/10,00,000 in addition to the SI
Out-patient treatment Limit of cover per family- INR 2,000/ 3,000/4,000/ 5,000/ 10,000 in addition to the SI

Other features
Good Health Incentives Health check up Benefit after every 4 claim free years up to INR 5,000

No claim discount -@ 5% discount on base premium for each claim free year

Discounts
Online discount- @5% for new policies, @2.5% for renewal policies
Long term discount - @4% for a two years’ term policy & @7.5% for a three years’ term policy
Discount in lieu of Maternity/ Infertility cover after 45 years of age- @3% on the base premium for self and spouse
Zonal discount- @4.4% for opting for Zone –II
@11.11% for opting for Zone- III
@20% for option for Zone-IV

Income Tax Benefit (under section 80D of Income Tax Act)