Overview
The National Insurance National Parivar Mediclaim Plus plan is a family floater health insurance policy that offers sum insured options ranging from ₹6 lakhs to ₹50 lakhs across multiple plan variants. It includes benefits such as organ donor expenses, ambulance charges (both road & air), maternity coverage, vaccinations, and more. With lifelong renewability, cashless treatment at over 3,200 network hospitals, and tax benefits under Section 80D (Old Regime), it aims to provide comprehensive health protection for families. This policy has three variants: A, B, & C. And the primary difference between the three variants of National Parivar Mediclaim Plus lies in the sum insured options and room rent limits. Plan A offers coverage from ₹6 to ₹10 lakhs but has a room rent limit of 1% of the sum insured per day, which can lead to out-of-pocket expenses if you opt for higher room categories. Plan B offers higher coverage of ₹15 to ₹25 lakhs. Plan C offers ₹30 to ₹50 lakhs coverage with no room rent capping, making it more suitable for private hospital stays. Additionally, benefits like medical emergency reunion (airfare for a family member) are included only in Plans B and C. Plan C offers the most comprehensive coverage.
Experts' Review
Written by Nikhil Nair
Senior Writer
The National Parivar Mediclaim Plus plan is a decent family floater policy, particularly for couples planning a child, offering maternity coverage up to ₹50,000 and infertility treatment benefits. Official add-ons expand its appeal: pre-existing diabetes and hypertension are covered from day one under increasing sub-limits, while the outpatient treatment add-on reimburses consultations, diagnostics, and medicines within annual limits of ₹2,000 to ₹25,000 per floater policy.
The critical illness add-on gives lump sum payouts for major illnesses like cancer and stroke (₹2–25 lakh per insured, capped at 50% of base sum insured), subject to pre-policy medical checks. Other add-ons include home care treatment cover (up to ₹50,000 or 10% of base sum insured) and reimbursement for non-medical hospital expenses such as gloves and masks (up to 10% of base sum insured for sums insured of ₹5 lakh and above).
However, lower-tier plans cap the sum insured at ₹10 lakh, potentially inadequate for large families, and Plan A restricts room rent reimbursement to 1% of the sum insured per day, possibly leading to out-of-pocket expenses in higher room categories. Its no-claim bonus is a 5% renewal discount—less rewarding than enhanced cover—and Plan A lacks sum insured restoration.
Pros
Insurer has a solid track record with great claim and service metrics.
Offers Reinstatement of Sum Insured due to Road Traffic Accident, which makes this policy stand out.
Cons
Not very feature-rich.
No Restoration Benefit, which is a notable gap.
No Bonus for being healthy and not claiming insurance, which could be a drawback for some.
Doctor consultations are not covered, which is a key feature. Need to opt add-on for doctor consultations.
National Insurance
Key Insights
Founded
1906
National Insurance was established 119 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95% claims settled in 30 Days
National Insurance settles 95% of all claims it receives demonstrating strong credibility.
Network Hospitals
3,200+
National Insurance has a limited network of 3,200 hospitals, which may restrict access to cashless services for policyholders.
Complaints
30 complaints per 10,000 claims registered
National Insurance experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Bad
Reinstatement of Sum Insured due to Road Traffic Accident
STANDOUT
Once you exhaust your entire cover, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat injury due to road traffic accident.
Co-payment
On most occasions the insurer will pay your medical bills in full up to the sum insured — no questions asked. However, if you were forced to be treated in a hospital that’s not a part of their network, then they’ll make you co-pay 10% of the final bill.
Room Rent
Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If it’s an ICU they’ll bump it to 2% of the sum insured. And in the event you breach these limits, then you’ll have to pay a lot more.
Disease sub-limit
Your insurance cover won’t be fully available in case you are treated for cataracts, modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Add-ons
OPD
Get coverage for outpatient consultations i.e. doctor visits along with coverage for prescribed diagnostics and pharmacy up to defined limits.
Critical Illness
Lump sum payment in the event you are diagnosed with 8 listed critical illnesses outlined in the policy document.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses for hormone replacement therapy, unless part of Medically Necessary Treatment, except for Puberty and Menopause related disorders.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 3 years.
Cataract
Benign prostatic hypertrophy (BPH)
Hernia (all types)
Hydrocele
Fissure or fistula in anus
Waiting Period
30 days Initial waiting period
3 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
No Restoration Benefit.
No Bonus for being healthy and not claiming insurance.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
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Frequently Asked Questions
Does National Parivar Mediclaim Plus policy have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 90 days to 3-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 2-year waiting period before you can make claims related to pregnancy and childbirth.
Does National Parivar Mediclaim Plus policy have room rent restrictions?
Does National Parivar Mediclaim Plus policy offer a restoration benefit?
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