National Parivar Mediclaim Plus

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 :-
Plan A – Up to INR 1,00,000
Plan B – Up to INR 2,00,000
Plan C – Up to INR 2,00,000
Organ Donor’s expenses including pre and post hospitalisation
Capping on any one illness No capping

New features
Maternity, Newborn baby cover :-
Plan A – Up to INR 30,000 for normal delivery and INR 50,000 for caesarean section
Plan B – Actual
Plan C – Actual

Infertility treatment Cover
Plan A – Up to INR 50,000
Plan B – Up to INR 1,00,000
Plan C – Up to INR 1,00,000
Anti-rabies vaccination Cover - Up to INR 5,000
Medical second opinion for 160 major illnesses
Hospital cash benefit (per insured person,per day) –
Plan A – INR 500, max. of 5 days
Plan B – INR 1,000, max. of 5 days
Plan C – INR 2,000, max. of 5 days
Ambulance expenses (per insured person, in a policy year) –
Plan A – Up to INR 2,500
Plan B – Up to INR 4,000
Plan C – Up to INR 5,000

Plus Features
Air Ambulance expenses :-
Plan A – Not covered
Plan B – Up to 5% of SI
Plan C – Up to 5% of SI

Medical Emergency Reunion :-
Plan A – Not covered
Plan B – No sublimit
Plan C – No sublimit

Vaccination for children :-male child upto the age of 12 years, female child upto the age of 14 years
Plan A – Up to INR 1,000
Plan B – Actual
Plan C – Actual
Post hospitalisation expenses for Doctor’s home visit & nursing care :-
Plan A – Not covered
Plan B – INR 1,000 per day, max. of 10 days
Plan C – INR 2,000 per day, max. of 10 days
Reinstatement of Sum Insured due to road traffic accident :- Covered in all the plans
No sub limit of Room rent/ ICU charges in Plan B and C

Optional cover (by paying additional premium)
Pre-existing Diabetes & Hypertension –
First yr – up to 25% of SI
Second yr – up to 50% of SI
Third yr – up to 75% of SI
Critical Illness Benefit amount – INR 2,00,000/3,00,000/5,00,000/10,00,000/15,00,000/20,00,000/25,00,000 in addition to the SI
Out-patient treatment Limit of cover per family- INR 2,000/ 3,000/4,000/ 5,000/ 10,000/ 15,000/ 20,000/ 25,000 in addition to the SI

Other features
Good Health Incentives :-
Plan A – Every 2 yrs., up to INR 5,000 irrespective of claims
Plan B – Every 2 yrs., up to INR 7,500 irrespective of claims
Plan C – Every 2 yrs., up to INR 10,000 irrespective of claims
No claim discount on Premium- 5% discount on base premium

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), except the Critical Illness cover