National Parivar Mediclaim for Family

This is a floater cover, covering the whole family for a single SI within the range of Rs. 2 lacs to Rs. 5 lacs. The Sum Insured floats over the family members ie anyone suffering from illness may have the hospitalisation benefit. Maximum expenses payable for any one illness is 50% of sum insured.
Cover: Covers In patients’ hospitalisation expenses:
a. under the heads Room, Boarding including nursing care, RMO charges, administration charges for IV fluids/blood transfusions/injections . Room charges 1% of SI per day & ICU charges 2% of SI per day.
b. Medical practitioners’ surgeon, anaesthetist, consultants, specialists’ fees
c. Anaesthesia, blood, oxygen, OT charges, surgical appliance, medicine, drugs, implants, diagnostic tests, organs donors expenses, ambulance charges. Upto 10% of
Sum Insured.
d. Covers Day care procedure for 140+ named diseases
e. Pre & Post Hospitalisation expenses related to medical diagnosis or procedure that resulted in hospitalisation and expenses incurred 15 days prior and 30 days post hospitalisation period.
f. Hospitalisation expenses of person donating organ during course of organ transplant
g. Any one illness total expenses is 50% of family floater Sum Insured.
General Exclusions & Co-Payment:
a. Pre-existing diseases 48 months.
b. Internal congenital disease/defects known will be treated as pre-existence disease.
c. First 30 days waiting period
d. Specific waiting period of 2 years for 17 named diseases.
e. Some permanent exclusions, like HIV, AIDs, diseases resulting from drug/alcohol abuses, cosmetic surgery, massage/spa etc.
f. Co-payment of 10% claim arising from diabetes or hypertension, in case one of these is pre-existing and covered with loading.
g. Co-payment of 25% of claim arising from diabetes or hypertension, in case both are pre-existing and covered with a loading
Eligibility:
Policy can be availed by person between the age 18 to 60 years.
Children between the age 3 months to 18 years can be covered, provided parents are also covered under the policy.
Policy can be availed for self, spouse and two dependent children up to 18 years. Male child can be covered up to 25 years if a bonafide student and not employed. Female dependent child can be covered up to marriage
Premium:

Age up to 35 years	Age 36 to 45 years
Sum insured (Rs)	self	spouse	Ist child	2^nd child	Self	spouse	1st child	2^nd child
2,00,000	2469	617	494	494	2683	805	537	537
2,50,000	2956	739	591	591	3213	964	643	643
3,00,000	3444	861	689	689	3743	1123	749	749
3,50,000	3870	968	774	774	4207	1262	841	841
4,00,000	4297	1074	859	859	4670	1401	934	934
4,50,000	4723	1181	945	945	5135	1541	1027	1027
5,00,000	5151	1288	1030	1030	5598	1679	1120	1120
Sum Insured	Age 46-50	Age 51-55
2,00,000	4290	1502	858	858	4485	1794	897	897
2,50,000	5200	1820	1040	1040	5436	2174	1087	1087
3,00,000	6108	2138	1222	1222	6386	2554	1277	1277
3,50,000	6942	2430	1388	1388	7258	2903	1452	1452
4,00,000	7776	2722	1555	1555	8129	3252	1626	1626
4,50,000	8610	3013	1722	1722	9001	3600	1800	1800
5,00,000	9444	3305	1889	1889	9873	3949	1975	1975
Age 56-60	Age 61-65
Sum insured	self	spouse	Ist child	2^nd child	Self	spouse	1st child	2^nd child
2,00,000	5127	2051	1025	1025	6409	2564	1281	1281
2,50,000	6236	2495	1247	1247	7795	3119	1559	1559
3,00,000	7346	2938	1469	1469	9183	3673	1836	1836
3,50,000	8375	3350	1675	1675	10469	4188	2094	2094
4,00,000	9406	3762	1881	1881	11758	4703	2351	2351
4,50,000	10436	4175	2087	2087	13045	5219	2609	2609
5,00,000	11466	4586	2293	2293	14333	5733	2866	2866

Beyond 65 years 25% loading on premium be made. Add On Cover from inception for pre-existing DM and HT. In case any member of family suffers from hypertension or diabetes 10% extra on total premium may be charged to include this cover. If both hypertension and diabetes are pre-existing, 20% loading is to be charged.

No cumulative Bonus.