{"uin":"NICHLIP25037V022425","name":"New National Parivar Mediclaim Policy","url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":"2015-06-24","withdrawn_on":null,"summary":"New National Parivar Mediclaim Policy is an indemnity floater health insurance policy covering family members under a single sum insured. It offers floater sum insured options from INR 1 Lac to INR 10 Lac, with room rent up to 1% of SI, ICU up to 2% of SI, and optional covers for pre-existing diabetes or hypertension, out-patient treatment and critical illness.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:49:29.927011+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can be issued for one, two or three years.","display":"1, 2 or 3 years","note":null,"quote":"The Policy can be issued for a period of one, two or three years, as opted by the proposer.","sources":[{"clause":"2.2","heading":"Policy Period","page":9,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/13022#c-2-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless and reimbursement claims, planned hospitalisation must be intimated at least seventy two hours before admission, and emergency hospitalisation within twenty four hours of admission. Anti-rabies vaccination must be intimated within twenty four hours of vaccination.","display":"Planned: at least 72 hours before admission; emergency: within 24 hours of admission; anti-rabies vaccination: within 24 hours of vaccination","note":null,"quote":"In the event of planned hospitalisation | At least seventy two hours prior to the insured person’s admission ... In the event of emergency hospitalisation | Within twenty four hours of the insured person’s admission ... In the event of Anti Rabies Vaccination | Within twenty four hours of vaccination.","sources":[{"clause":"5.17.1","heading":"Notification of Claim","page":17,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Completed claim form","Bills, payment receipts, medical history of the patient recorded, discharge certificate/ summary from the hospital etc.","Cash-memo from the hospital (s)/chemist(s) supported by proper prescription","Payment receipt, investigation test reports etc. supported by the prescription from the attending medical practitioner","Attending medical practitioner’s certificate regarding diagnosis along with date of diagnosis and bill receipts etc.","Certificate from the surgeon stating diagnosis and nature of operation and bills/receipts etc.","medical certificate stating the circumstances requiring for Domiciliary hospitalisation and fitness certificate from treating medical practitioner","legal affidavit regarding intimation of surrogacy","Any other document required by Company/TPA"],"display":"Completed claim form, bills and receipts, discharge summary, prescriptions, test reports, diagnosis certificates, surgeon certificate, and other documents required by Company/TPA","note":null,"quote":"i) Completed claim form ... ii) Bills, payment receipts, medical history of the patient recorded, discharge certificate/ summary from the hospital etc. ... iii) Cash-memo from the hospital (s)/chemist(s) supported by proper prescription ... iv) Payment receipt, investigation test reports etc. supported by the prescription from the attending medical practitioner ... v) Attending medical practitioner’s certificate regarding diagnosis along with date of diagnosis and bill receipts etc. ... vi) Certificate from the surgeon stating diagnosis and nature of operation and bills/receipts etc. ... vii) For claim under Domiciliary Hospitalisation in addition to documents listed above (as applicable), medical certificate stating the circumstances requiring for Domiciliary hospitalisation and fitness certificate from treating medical practitioner. ... viii) For claim under Maternity for surrogacy under Infertility in addition to documents listed above (as applicable), legal affidavit regarding intimation of surrogacy. ... ix) Any other document required by Company/TPA","sources":[{"clause":"5.17.4(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-4-i"},{"clause":"5.17.4(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-4-ii"},{"clause":"5.17.4(iii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-4-iii"},{"clause":"5.17.4(iv)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-4-iv"},{"clause":"5.17.4(v)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-4-v"},{"clause":"5.17.4(vi)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-4-vi"},{"clause":"5.17.4(vii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-4-vii"},{"clause":"5.17.4(viii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-4-viii"},{"clause":"5.17.4(ix)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-4-ix"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is required, it must be completed within 30 days and the claim settled or rejected within 45 days from receipt of the last necessary document, with interest at 2% above bank rate for delay.","display":"15 days from last necessary document; 45 days if investigation is required","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... In case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate","sources":[{"clause":"5.3(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-3-i"},{"clause":"5.3(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-3-iii"},{"clause":"5.3(iv)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-3-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases (Excl 01)","Specified disease/procedure waiting period (Excl 02)","First 30 days waiting period (Excl 03)","Investigation & Evaluation (Excl 04)","Rest Cure, Rehabilitation and Respite Care (Excl 05)","Change-of-Gender Treatments (Excl 07)","Cosmetic or Plastic Surgery (Excl 08)","Hazardous or Adventure Sports (Excl 09)","Breach of Law (Excl 10)","Drug/Alcohol Abuse (Excl 12)","Out Patient Department (OPD)","Treatment taken outside the geographical limits of India"],"display":"PED, specified disease/procedure and first 30 days waiting exclusions, plus investigation, rest cure, change of gender, cosmetic surgery, professional hazardous sports, breach of law, drug/alcohol abuse, OPD and treatment outside India exclusions","note":null,"quote":"4.1 Pre-Existing Diseases (Excl 01) ... 4.2 Specified disease/procedure waiting period (Excl 02) ... 4.3 First 30 days waiting period (Excl 03) ... 4.4 Investigation & Evaluation (Excl 04) ... 4.5 Rest Cure, Rehabilitation and Respite Care (Excl 05) ... 4.7 Change-of-Gender Treatments (Excl 07) ... 4.8 Cosmetic or Plastic Surgery (Excl 08) ... 4.9 Hazardous or Adventure Sports (Excl 09) ... 4.10 Breach of Law (Excl 10) ... 4.12 Drug/Alcohol Abuse (Excl 12) ... 4.25 Out Patient Department (OPD) ... 4.36 Treatment taken outside the geographical limits of India","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases (Excl 01)","page":12,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-1"},{"clause":"4.2","heading":"Specified disease/procedure waiting period (Excl 02)","page":12,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-2"},{"clause":"4.3","heading":"First 30 days waiting period (Excl 03)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-3"},{"clause":"4.4","heading":"Investigation & Evaluation (Excl 04)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-4"},{"clause":"4.5","heading":"Rest Cure, Rehabilitation and Respite Care (Excl 05)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-5"},{"clause":"4.7","heading":"Change-of-Gender Treatments (Excl 07)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-7"},{"clause":"4.8","heading":"Cosmetic or Plastic Surgery (Excl 08)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-8"},{"clause":"4.9","heading":"Hazardous or Adventure Sports (Excl 09)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-9"},{"clause":"4.10","heading":"Breach of Law (Excl 10)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-10"},{"clause":"4.12","heading":"Drug/Alcohol Abuse (Excl 12)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-12"},{"clause":"4.25","heading":"Out Patient Department (OPD)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-25"},{"clause":"4.36","heading":"Treatment taken outside the geographical limits of India","page":15,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-36"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The insured person may first submit the grievance in writing to the Policy Issuing Office or Grievance cell at the Regional Office. If it remains unaddressed, the insured person may contact the Customer Relationship Management Department of National Insurance Company Limited, before approaching Bima Bharosa or the Insurance Ombudsman.","display":"Policy Issuing Office or Regional Office Grievance cell first; then CRM Dept., National Insurance Company Limited","note":null,"quote":"In case of any grievance related to the Policy, the insured person may submit in writing to the Policy Issuing Office or Grievance cell at Regional Office of the Company for redressal. If the grievance remains unaddressed, the insured person may contact: Customer Relationship Management Dept., National Insurance Company Limited","sources":[{"clause":null,"heading":"6 REDRESSAL OF GRIEVANCE","page":20,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-6-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"The floater basic sum insured ranges from ₹ 1,00,000 to ₹ 10,00,000 in multiples of ₹ 1,00,000.","display":"₹ 1,00,000 to ₹ 10,00,000, in multiples of ₹ 1,00,000","note":null,"quote":"The Basic SI for each Policy Year ranges from ₹ 1,00,000 to ₹ 10,00,000, in multiple of ₹ 1,00,000. ... The SI is on Floater basis and applies to one or all the insured persons.","sources":[{"clause":"2.3","heading":"Basic Sum Insured (SI)","page":9,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/13022#c-2-3"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"This exclusion does not apply if the insured person has continuous coverage for more than twelve (12) months.","quote":"Expenses related to the treatment of any illness within thirty (30) days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"4.3","heading":"First 30 days waiting period (Excl 03)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Coverage after 36 months is subject to the pre-existing disease being declared at application and accepted by the insurer.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of thirty six (36) months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases (Excl 01)","page":12,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":"The specified disease/procedure waiting periods are 90 days, one year, two years and three years, depending on the listed condition; they do not apply to claims arising due to an accident.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 90 days/ one year/ two year/ three years (as specified against specific disease/ procedure) of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"4.2","heading":"Specified disease/procedure waiting period (Excl 02)","page":12,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Hypertension and related complications","Diabetes and related complications","Cardiac conditions","Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Cataract","Benign prostatic hypertrophy","Hernia","Hydrocele","Fissure/Fistula in anus","Piles (Haemorrhoids)","Sinusitis and related disorders","Polycystic ovarian disease","Non-infective arthritis","Pilonidal sinus","Gout and Rheumatism","Calculus diseases","Surgery of gall bladder and bile duct excluding malignancy","Surgery of genito-urinary system excluding malignancy","Surgery for prolapsed intervertebral disc unless arising from accident","Surgery of varicose vein","Refractive error of the eye more than 7.5 dioptres","Congenital Internal Anomaly (not applicable for new born baby","Treatment for joint replacement unless arising from accident","Osteoarthritis and osteoporosis","Morbid Obesity and its complications","Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered"],"display":"90 days: hypertension, diabetes and cardiac conditions; 1 year: specified ENT procedures; 2 years: cataract, hernia and other listed procedures; 3 years: joint replacement, osteoarthritis/osteoporosis, morbid obesity and stem cell therapy","note":null,"quote":"i) 90 Days Waiting Period (Life style conditions)\na. Hypertension and related complications | c. Cardiac conditions\nb. Diabetes and related complications ... ii) One year waiting period\na. Benign ENT disorders | d. Mastoidectomy\nb. Tonsillectomy | e. Tympanoplasty\nc. Adenoidectomy ... iii) Two years waiting period\na. Cataract | l. Calculus diseases\nb. Benign prostatic hypertrophy | m. Surgery of gall bladder and bile duct excluding\nc. Hernia | malignancy\nd. Hydrocele | n. Surgery of genito-urinary system excluding\ne. Fissure/Fistula in anus | malignancy\nf. Piles (Haemorrhoids) | o. Surgery for prolapsed intervertebral disc unless\ng. Sinusitis and related disorders | arising from accident\nh. Polycystic ovarian disease | p. Surgery of varicose vein\ni. Non-infective arthritis | q. Refractive error of the eye more than 7.5 dioptres\nj. Pilonidal sinus | r. Congenital Internal Anomaly (not applicable for\nk. Gout and Rheumatism | new born baby ... iv) Three years waiting period Following diseases even if pre-existing shall be covered after three years of continuous cover from the inception of the Policy:\na) Treatment for joint replacement unless arising from accident\nb) Osteoarthritis and osteoporosis\nc) Morbid Obesity and its complications\nd) Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":"4.2(f)(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-2-f-i"},{"clause":"4.2(f)(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-2-f-ii"},{"clause":"4.2(f)(iii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-2-f-iii"},{"clause":"4.2(f)(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-2-f-iv"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"For enhanced Basic Sum Insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including Portability and Migration), no claim shall be contestable by the Company on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as Moratorium Period.","sources":[{"clause":"5.4","heading":"Moratorium Period","page":15,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the policy to another insurer by applying at least 15 days before, but not earlier than 60 days from, the policy renewal date. The proposed insured person gets accrued continuity benefits for specific waiting periods, pre-existing disease waiting period and moratorium period.","display":"Allowed, with waiting-period and moratorium continuity credit","note":null,"quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such Insurer to port the entire policy along with all the members of the family, if any, at least 15 days before, but not earlier than 60 days from the policy renewal date ... The proposed Insured Person will get all the accrued continuity benefits for specific waiting periods, waiting period for pre-existing diseases and Moratorium period","sources":[{"clause":"5.10","heading":"Portability","page":16,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-10"},{"clause":"5.10(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-10-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, throughout the lifetime of the Insured Persons","note":"The quoted prospectus exception says covered Children or siblings can renew till the Insured Person’s marriage.","quote":"The Policy can be renewed without break throughout the lifetime of the Insured Persons except for the covered Children or siblings, who can renew till the Insured Person’s marriage","sources":[{"clause":"2.10","heading":"Renewal Terms","page":10,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/13022#c-2-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.8","heading":"Renewal of Policy","page":16,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel the policy by giving 7 days' written notice. For terms up to one year, the Company refunds proportionate premium for the unexpired policy period if no claim has been made; for terms over one year, it refunds premium for uncommenced policy years and proportionate premium for the current unexpired policy year, with no refund if any claim has been admitted, lodged or any benefit availed.","display":"Proportionate refund for unexpired period if no claim; no refund if a claim is admitted/lodged or any benefit availed","note":null,"quote":"The Insured may cancel the Policy at any time during the term, by giving 7 days notice in writing. ... refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced and refund proportionate premium for unexpired policy period for the current policy year There shall be no refund for the completed policy year elapsed. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any Benefit has been availed under the Policy.","sources":[{"clause":"5.7(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-7-ii"},{"clause":"5.7(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-7-a"},{"clause":"5.7(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-7-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"All medical treatment must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only.","sources":[{"clause":"5.19","heading":"Territorial limit","page":19,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-19"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from date of receipt of the policy document","note":"Applicable on new individual health insurance policies, not on renewals or at the time of porting/migrating the policy.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy.","sources":[{"clause":"5.13","heading":"Free Look Period","page":17,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-13"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"The Grace Period for payment of the premium shall be thirty days.","sources":[{"clause":"2.21","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-2-21"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The proposer must be between eighteen (18) years and sixty five (65) years, and the maximum entry age of any family member is sixty five (65) years. Unmarried children over the age of three (03) months may be covered for the first time if parent(s) are covered at the same time.","display":"Proposer: 18 to 65 years; family member maximum: 65 years; children over 3 months","note":null,"quote":"Entry age of Proposer should be between eighteen (18) years and sixty five (65) years. ... Maximum entry age of any family member is sixty five (65) years. ... Un married Children over the age of three (03) months may be covered for the first time, provided parent(s) is/are covered at the same time.","sources":[{"clause":"2.1","heading":"Eligibility","page":8,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/13022#c-2-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Quarterly","Half Yearly"],"display":"Quarterly, Half Yearly","note":"For a 2 or 3 year policy, all installments are payable during the first year of the policy.","quote":"Installment Premium | Quarterly, Half Yearly (only in case of policy period of 1 year)","sources":[{"clause":null,"heading":"Table of Benefits","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-table-of-benefits"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Pre-existing Diabetes / Hypertension","Out-Patient Treatment","Critical Illness","National Home Care Treatment Add-On","National Non-Medical Expenses Add-on"],"display":"Pre-existing Diabetes/Hypertension, Out-Patient Treatment, Critical Illness, National Home Care Treatment Add-On, National Non-Medical Expenses Add-on","note":null,"quote":"At the option of the Insured and on payment of additional premium the following covers shall be available to the Insured Persons during the Policy Period, provided the same is mentioned in the Policy Schedule. ... Optional Cover\nPre-existing Diabetes/Hypertension (as Floater) | Up to the SI (Copayment applicable)\nOut-patient Treatment (as Floater in a policy year) | Limit of cover per family - INR 2,000/ 3,000/ 4,000/ 5,000/ 10,000 in addition to the SI\n***Critical Illness (per insured person in a policy year) | Benefit amount - INR 2,00,000/ 3,00,000/ 5,00,000/ 10,00,000 in addition to the SI ... Add-ons (cover available on payment of additional premium)\nNational Home Care Treatment Add-On | INR 10,000/ 15,000/ 20,000/ 25,000/ 30,000/ 35,000/ 40,000/ 45,000/ 50,000, subject to 10% of Basic SI under base Policy.\nNational Non-Medical Expenses Add-on (available to SI 5 lacs & above) | Up to 10% of Basic Sum Insured","sources":[{"clause":"3.4","heading":"OPTIONAL COVERS","page":9,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-4"},{"clause":null,"heading":"Table of Benefits","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-table-of-benefits"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"For instalment premium, coverage is available during the grace period if the due instalment premium is paid within the grace period. For renewal, coverage is not available during the period for which no premium is received.","display":"Instalments: covered if paid within grace period; renewal: no coverage during grace period","note":null,"quote":"In case of Premium payment in instalments, if the due instalment premium is paid within Grace Period, coverage shall be available during the Grace Period. In case of Renewal, Coverage shall not be available during the period for which no premium is received.","sources":[{"clause":"2.21","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-2-21"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room charges are payable up to 1% of SI per day per insured person or actual, whichever is lower. Proportionate deduction applies if a higher limit is opted, except for listed procedures in a Preferred Provider Network package.","display":"Room: up to 1% of SI or actual, whichever is lower","note":null,"quote":"Room/ ICU Charges (per day per insured person) | Room – Up to 1% of SI or actual, whichever is lower\nICU – Up to 2% of SI or actual, whichever is lower Proportionate Deduction to apply, in case higher limit is opted ... The limit shall not apply if the treatment is undergone for a listed procedure in a Preferred Provider Network (PPN) as a package.","sources":[{"clause":null,"heading":"Table of Benefits","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-table-of-benefits"},{"clause":null,"heading":"Note","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-note-3"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-applicable","value":null,"display":null,"note":"The policy states a percentage room-rent limit, not a room category limit.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU charges are payable up to 2% of SI per day per insured person or actual, whichever is lower. The PPN package exception applies to listed procedures.","display":"ICU: up to 2% of SI or actual, whichever is lower","note":null,"quote":"Room/ ICU Charges (per day per insured person) | Room – Up to 1% of SI or actual, whichever is lower\nICU – Up to 2% of SI or actual, whichever is lower Proportionate Deduction to apply, in case higher limit is opted ... The limit shall not apply if the treatment is undergone for a listed procedure in a Preferred Provider Network (PPN) as a package.","sources":[{"clause":null,"heading":"Table of Benefits","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-table-of-benefits"},{"clause":null,"heading":"Note","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-note-3"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If admission is to a room at rates exceeding the room-rent limit, associated medical expenses are reimbursed in the same proportion as the admissible room rent bears to actual room rent. Proportionate deduction does not apply if admitted to ICU.","display":"Yes, for room above limit; not for ICU","note":"Associated Medical Expenses exclude cost of pharmacy and consumables, implants and medical devices, and diagnostics.","quote":"In case of admission to a Room at rates exceeding the aforesaid limits, the reimbursement/payment of Associated Medical Expenses incurred at the Hospital, shall be effected in the same proportion as the admissible rate per day bears to the actual rate per day of Room Rent charges. Proportionate deduction shall not apply if admitted to ICU.","sources":[{"clause":"3.1.1.3","heading":"Treatment related to participation as a non-professional in hazardous or adventure sports","page":5,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-1-3"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"There is no zone co-payment if Zone I premium is paid, or if Zone II treatment is in Zone II/III, or Zone III treatment is in Zone III. Treatment in a higher zone attracts 13%, 28% or 13.5% co-payment, and optional co-payment of 20% or 10% can be chosen for a premium discount.","display":"Zone co-pay: 13%, 28% or 13.5% when treated outside paid zone; optional co-pay: 20% or 10%","note":"Pre-existing diabetes/hypertension optional cover has additional co-payment of 10% for diabetes or hypertension, or 25% for both.","quote":"Insured paying premium as per Zone I can avail treatment in Zone I, Zone II and Zone III without copayment ... Availing treatment in Zone I will be subject to a copayment of 13% ... Availing treatment in Zone I will be subject to a copayment of 28% ... Availing treatment in Zone II will be subject to a copayment of 13.5% ... 20% Co-payment on each admissible claim under the Policy, with a 25% discount in total premium. ... 10% Co-payment on each admissible claim under the Policy, with a 12.5% discount in total premium.","sources":[{"clause":"5.17.6","heading":"Classification of * Zone and Copayment","page":19,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-6"},{"clause":"5.17.7","heading":"Optional Co-payment","page":19,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-7"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Cataract: Up to 10% of SI or INR 40,000 whichever is lower","Treatment due to participation in hazardous or adventure sports (non-professionals): Up to 25% of SI","Domiciliary Hospitalisation: Up to 20% of SI, subject to maximum of INR 50,000","Maternity: 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: Up to INR 50,000","Modern Treatment: Up to 25% of SI for each treatment"],"display":"Cataract up to 10% of SI or INR 40,000; hazardous sports 25% of SI; domiciliary 20% of SI up to INR 50,000; maternity and infertility limits; modern treatment 25% of SI","note":null,"quote":"Limit for Cataract Surgery (For each eye per insured person) | Up to 10% of SI or INR 40,000 whichever is lower ... Domiciliary Hospitalisation (as Floater) | Up to 20% of SI, subject to maximum of INR 50,000 ... Maternity (including Baby from Birth Cover) (per insured person, in a policy year, waiting period of 3 years applies) | Up to 10% of SI subject to INR 30,000 in case of normal delivery and INR 50,000 in case of caesarean section\nInfertility (per insured person, in a policy year, waiting period of 3 years applies) | Up to INR 50,000\nModern Treatment (12 nos) | Up to 25% of SI for each treatment\nTreatment due to participation in hazardous or adventure sports (non-professionals) | Up to 25% of SI","sources":[{"clause":null,"heading":"Table of Benefits","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-table-of-benefits"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":45},"display":"45 days","note":"Expenses must be for the same condition and the related in-patient hospitalisation claim must be admissible.","quote":"The Company shall indemnify the Medical Expenses incurred up to forty five (45) days immediately before the insured person is hospitalised","sources":[{"clause":"3.1.2","heading":"Pre Hospitalisation","page":5,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-2"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":75},"display":"75 days","note":"Expenses must be for the same condition and the related in-patient hospitalisation claim must be admissible.","quote":"The Company shall indemnify the Medical Expenses incurred up to seventy five (75) days immediately after the insured person is discharged from hospital","sources":[{"clause":"3.1.3","heading":"Post Hospitalisation","page":5,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-3"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day care treatments requiring hospitalisation as an in-patient for less than 24 hours in a hospital or day care centre are covered, including pre and post hospitalisation expenses, but not outpatient department treatment.","display":"Covered for day care treatments requiring less than 24 hours, not OPD","note":null,"quote":"The Company shall indemnify the Medical Expenses (including Pre and Post Hospitalisation Expenses) for Day Care Treatments requiring Hospitalization as an In-Patient for less than 24 hours undergone by the Insured Person in a Hospital/ Day Care Centre, but not in the Outpatient department of a Hospital.","sources":[{"clause":"3.1.5","heading":"Day Care Procedure","page":6,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-5"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalisation expenses are covered, including pre and post hospitalisation expenses, up to the limit shown in the Table of Benefits. The table limit is up to 20% of SI, subject to a maximum of INR 50,000.","display":"Covered up to 20% of SI, maximum INR 50,000","note":"Domiciliary hospitalisation has specific exclusions including treatment of less than three days and listed diseases.","quote":"The Company shall indemnify the Medical Expenses incurred under Domiciliary Hospitalization, including pre hospitalisation expenses and post hospitalisation expenses, up to the limit as shown in the Table of Benefits. ... Domiciliary Hospitalisation (as Floater) | Up to 20% of SI, subject to maximum of INR 50,000","sources":[{"clause":"3.1.4","heading":"Domiciliary Hospitalisation","page":5,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-4"},{"clause":null,"heading":"Table of Benefits","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-table-of-benefits"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems is covered during each policy period up to the sum insured in any AYUSH Hospital.","display":"Covered up to Sum Insured in any AYUSH Hospital","note":null,"quote":"The Company shall indemnify Medical Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Period up to the limit of Sum Insured as specified in the Policy Schedule in any AYUSH Hospital.","sources":[{"clause":"3.1.6","heading":"AYUSH Treatment","page":6,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-6"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Modern treatments are covered for in-patient treatment, domiciliary hospitalisation or day care procedure with pre and post hospitalisation expenses, subject to 25% of the Sum Insured for the related modern procedure/component/medicine of each modern treatment during the policy period.","display":"Covered, up to 25% of SI for each modern treatment","note":"Listed modern treatments include UAE & HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy, Intravitreal injections, Robotic Surgery, Stereotactic Radio surgeries, Bronchial Thermoplasty, Vaporization of the prostrate, IONM and Stem cell therapy.","quote":"The Company shall indemnify the Medical Expenses for In-Patient Treatment Domiciliary Hosptalisation or Day Care Procedure along with pre hospitalisation expenses and post hospitalisation expenses incurred for following Modern Treatments (wherever medically indicated), subject to the limit of 25% of the Sum Insured for the related modern procedure/ component/ medicine of each Modern Treatment during the Policy Period:","sources":[{"clause":"3.1.15","heading":"Modern Treatment","page":8,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"The organ donor's in-patient hospitalisation expenses for harvesting the organ donated to an insured person are covered if the insured person's organ transplant claim is admitted. Donor pre-hospitalisation and post-hospitalisation expenses, organ acquisition costs, experimental transplant expenses, donor complications after harvesting, and organ transportation or preservation are excluded.","display":"Donor in-patient hospitalisation for organ harvesting is covered; donor pre/post hospitalisation is excluded","note":"The Table of Benefits says “Organ Donor’s Medical Expenses (as Floater) | Hospitalisation, pre and post hospitalisation”, but the specific exclusions under the cover exclude donor pre-hospitalisation and post-hospitalisation expenses.","quote":"The Company shall indemnify the Medical Expenses incurred in respect of an organ donor’s Hospitalisation during the Policy Period for harvesting of the organ donated to an Insured Person ... The Medical Expenses shall be incurred in respect of the organ donor as an in-patient in a Hospital. ... Claim has been admitted under In-patient Treatment Section in respect of the Insured Person undergoing the organ transplant ... Pre-hospitalization Medical Expenses or Post- Hospitalization Medical Expenses of the organ donor.","sources":[{"clause":"3.1.7","heading":"Organ Donor’s Medical Expenses","page":6,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-7"},{"clause":null,"heading":"Exclusions","page":6,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-exclusions-2"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Transportation to the hospital, from one hospital to another, or from hospital to a diagnostic center and back during the same hospitalisation is covered if an in-patient claim is admitted. The table limit is up to INR 1,000 per illness and INR 2,500 per insured person in a policy year.","display":"Up to INR 1,000/- per illness & INR 2,500/- per policy year","note":null,"quote":"The Company shall indemnify the expenses incurred for transportation to the Hospital or from the Hospital to another Hospital or from the Hospital to diagnostic center and return to the Hospital during the same Hospitalisation, up to the limit as shown in the Table of Benefits, provided a Claim has been admitted under In-patient Treatment Section. ... Ambulance (per insured person, in a policy year) | Up to INR 1,000/- per illness & INR 2,500/-","sources":[{"clause":"3.1.9","heading":"Ambulance Charges","page":6,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-9"},{"clause":null,"heading":"Table of Benefits","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-table-of-benefits"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"For floater Basic Sum Insured of ₹ 6 lacs and above, if the available Sum Insured is exhausted during the policy year by hospitalisation claims, the Company reinstates the Basic Sum Insured excluding cumulative bonus for subsequent hospitalisations. It is available once during the policy year and cannot be used for an illness or injury for which a claim was admitted or paid before reinstatement.","display":"Once per policy year, for Basic SI ₹ 6 lacs and above; not for the same prior illness/injury","note":null,"quote":"For Policies with Floater Basic Sum Insured of ₹ 6 lacs and above, in the event of available Sum Insured being exhausted anytime during the Policy Year on account of Hospitalisation claim(s), the Company shall reinstate the Basic Sum Insured (i.e., excluding any CB) to be utilized in any subsequent Hospitalisation(s) ... Any Illness/ Injury for which a claim has been admitted or paid under the Policy prior to such reinstatement, shall not be considered under the Reinstated Basic Sum Insured ... Reinstatement shall be allowed only once during the Policy Year of the Policy Period.","sources":[{"clause":"3.2.1","heading":"Reinstatement of Basic Sum Insured (available to Basic Sum Insured of ₹ 6L and above)","page":9,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-2-1"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"For each claim-free policy year, cumulative bonus is 5% of the floater basic sum insured, excluding cumulative bonus. If claims occur during a policy year, accumulated cumulative bonus is reduced by 5% of floater basic sum insured, and the maximum cumulative bonus is 50% of the floater basic sum insured of the renewed policy.","display":"+5% of Basic SI for each claim-free policy year; -5% after a claim; maximum 50%","note":null,"quote":"For each claim free Policy Year (i.e., no claims are reported by any Insured Person and admitted by the Company), Cumulative Bonus allowed shall be an amount equal to 5% (five percent) of the Floater Basic Sum Insured (excluding CB) of the expiring Policy Period. In case of claim(s) during a Policy Year in respect of any Insured Person, the accumulated CB (if any) will be reduced at the rate of 5% of Floater Basic Sum Insured (excluding CB) of the expiring Policy Period. ... the maximum CB shall not exceed 50% of the Floater Basic Sum Insured of the renewed Policy.","sources":[{"clause":"3.3.1","heading":"Cumulative Bonus","page":9,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-3-1"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Base cover does not make List I non-medical items available, and some listed items are subsumed into room charges, procedure charges or costs of treatment. A separate National Non-Medical Expenses Add-on is available on payment of additional premium for SI 5 lacs and above, up to 10% of Basic Sum Insured and as part of the base policy Basic Sum Insured.","display":"Base: listed non-medical items not covered; optional National Non-Medical Expenses Add-on up to 10% of Basic SI","note":null,"quote":"List I – List of which coverage is not available in the policy ... Add-ons (cover available on payment of additional premium) ... National Non-Medical Expenses Add-on (available to SI 5 lacs & above) | Up to 10% of Basic Sum Insured (excluding Cumulative Bonus, if any) of base Policy and shall be part of the base Policy Basic Sum Insured (excluding Cumulative Bonus, if any).","sources":[{"clause":"Annexure I","heading":null,"page":22,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-annexure-i"},{"clause":null,"heading":"Table of Benefits","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-table-of-benefits"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are covered for a female insured person, including pre-natal and post-natal hospitalisation expenses per delivery and necessary vaccination for the newborn baby, after continuous coverage for at least 36 months. The limit is up to 10% of SI subject to INR 30,000 for normal delivery and INR 50,000 for caesarean section.","display":"Covered after 36 months; up to 10% of SI, INR 30,000 normal delivery and INR 50,000 caesarean","note":"Exclusions include age below eighteen (18) years and above forty-five (45) years, more than one delivery or termination in a policy period, and limits on number of deliveries or terminations.","quote":"The Company shall indemnify Maternity Expenses as described below for any female Insured Person, and also Pre-Natal and Post- Natal Hospitalisation expenses per delivery, including expenses for necessary vaccination for the New Born Baby, subject to the limit as shown in the Table of Benefits. The female Insured Person should have been continuously covered for at least 36 months before availing this benefit. ... Maternity (including Baby from Birth Cover) (per insured person, in a policy year, waiting period of 3 years applies) | Up to 10% of SI subject to INR 30,000 in case of normal delivery and INR 50,000 in case of caesarean section","sources":[{"clause":"3.1.11","heading":"Maternity","page":6,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-11"},{"clause":null,"heading":"Table of Benefits","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-table-of-benefits"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"The newborn baby is automatically covered from birth under the sum insured available to the mother during the corresponding policy period for up to 3 months of age. After attaining 3 months, the newborn is covered only if specifically included in the policy mid-term and the required premium is paid.","display":"Covered from birth up to 3 months under mother's available SI; thereafter only if included and premium paid","note":null,"quote":"The New Born Baby shall be automatically covered from birth under the Sum Insured available to the mother during the corresponding Policy Period, for up to 3 months of age. On attaining 3 months of age, the New Born Baby shall be covered only if specifically included in the Policy mid-term and requisite premium paid to the Company.","sources":[{"clause":"3.1.11","heading":"Maternity","page":6,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-11"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"In-patient treatment, pre-hospitalisation and post-hospitalisation expenses for mental illnesses are covered if treatment is in a hospital with a specific department for mental illness under a qualified psychiatrist or specified qualified professional. Depression and schizophrenia are covered after a 2-year waiting period.","display":"Covered for in-patient mental illness treatment; depression and schizophrenia after 2 years","note":"Psychological counselling and other psychotherapy for which hospitalisation is not necessary are not covered.","quote":"The Company shall indemnify the Medical Expenses for In-patient Treatment, Pre-Hospitalisation expenses and Post- Hospitalisation expenses, related to Mental Illnesses, provided the treatment shall be undertaken at a Hospital with a specific department for Mental Illness, under a Medical Practitioner qualified as Psychiatrist ... Any treatment of the following Mental Illnesses shall be covered after Waiting Period of 2 years:\ni) Depression (ICD - F32; F33)\nii) Schizophrenia (ICD - F20; F21; F25)","sources":[{"clause":"3.1.14","heading":"Mental Illness Cover","page":8,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-1-14"},{"clause":null,"heading":"Exclusions","page":8,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-exclusions-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Preventive health check-up or prescribed diagnostic test expenses are reimbursed once at the end of a block of three continuous years if no claims are reported and admitted during the block and the policy has been continuously renewed without a break. The table limit is INR 3000 for SI 1-5 Lakhs and INR 6000 for SI 6-10 Lakhs.","display":"Every 3 years, INR 3000 for SI 1-5 Lakhs and INR 6000 for SI 6-10 Lakhs, if claim-free","note":null,"quote":"Expenses of preventive health check-up/ prescribed diagnostic tests will be reimbursed once at the end of a block of three (03) continuous years provided no claims are reported and admitted during the block and the policy has been continuously renewed with the Company without a Break in Policy. ... Health Check Up (as Floater) | Every 3 yrs, INR 3000 (For SI 1-5 Lakhs), INR 6000 (For SI 6-10 Lakhs)","sources":[{"clause":"3.3.2","heading":"Preventive Health Check Up","page":9,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-3-2"},{"clause":null,"heading":"Table of Benefits","page":21,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-table-of-benefits"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD expenses are excluded under the base policy, except as payable under the optional Out Patient Treatment cover if opted. The optional cover pays up to the scheduled limit for outpatient consultations, diagnostic tests, medicines/drugs and outpatient dental treatment.","display":"Excluded unless Out Patient Treatment Optional Cover is opted","note":"The optional outpatient treatment cover limits are INR 2,000/ 3,000/ 4,000/ 5,000/ 10,000 in addition to SI.","quote":"Any expenses incurred on OPD, except as payable under Out Patient Treatment Optional Cover, if opted. ... the Company shall pay up to the limit, as stated in the schedule with respect of\ni) Out-patient consultations by a medical practitioner\nii) Diagnostic tests prescribed by a medical practitioner\niii) Medicines/drugs prescribed by a medical practitioner\niv) Out-patient dental treatment","sources":[{"clause":"4.25","heading":"Out Patient Department (OPD)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-4-25"},{"clause":"3.4.2","heading":"Out-Patient Treatment","page":10,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-3-4-2"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"Premium is based on the zone opted by the proposer, and the amount of claim admissible depends on the premium zone and treatment zone. Treatment outside the paid zone can attract co-payment of 13%, 28% or 13.5%.","display":"Yes. Premium is zone-based and treatment outside paid zone can trigger 13%, 28% or 13.5% co-pay","note":null,"quote":"Premium is based on the zone opted by the proposer. Change of zone shall not be allowed midterm. ... The amount of claim admissible will depend upon the zone for which premium has been paid and the zone where treatment has been taken. ... Availing treatment in Zone I will be subject to a copayment of 13% ... Availing treatment in Zone I will be subject to a copayment of 28% ... Availing treatment in Zone II will be subject to a copayment of 13.5%","sources":[{"clause":"2.9","heading":"Payment of Premium","page":10,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/13022#c-2-9"},{"clause":"5.17.6","heading":"Classification of * Zone and Copayment","page":19,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-6"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility can be availed if TPA service is opted. Treatment may be taken in a Network Provider, PPN or Non Network Provider and is subject to pre-authorisation by the TPA.","display":"Available if TPA service is opted, subject to TPA pre-authorisation","note":null,"quote":"Cashless Facility can be availed, if TPA service is opted. ... Treatment may be taken in a Network Provider / PPN or Non Network Provider and is subject to pre-authorisation by the TPA. Updated list of network provider/PPN is available on the website of the Company and the TPA mentioned in the schedule.","sources":[{"clause":"5.17.2","heading":"Procedure for Cashless Claims","page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-2"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims may be processed by the TPA if TPA service is opted, or by the Company. TPA services include acceptance of claim documents, claim processing and related services, but not claim settlement or rejection; the TPA may handle claims admission and recommend settlement to the Company.","display":"TPA if opted, or Company; TPA processes but does not settle or reject claims","note":null,"quote":"the insured person/insured person’s representative shall notify the TPA (if claim is processed by TPA)/Company (if claim is processed by the Company) ... The TPA shall render health care services covered by the Policy including issuance of ID cards & guide book, hospitalisation & pre-authorization services, call centre, acceptance of claim related documents, claim processing and other related services The services offered by a TPA shall not include\ni) Claim settlement and claim rejection; however, TPA may handle claims admission and recommend to the Company for settlement of the claim","sources":[{"clause":"5.17.1","heading":"Notification of Claim","page":17,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-1"},{"clause":"5.17.5","heading":"Services Offered by TPA","page":18,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-5-17-5"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, one floater sum insured for the insured family","note":null,"quote":"shall not exceed the Sum Insured on Floater Basis in respect of the Insured family. ... Floater Basis means the Sum Insured, as mentioned in the Schedule, available to all the insured persons, for any and all claims made in the aggregate during each Policy Year.","sources":[{"clause":null,"heading":"1 PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-1-preamble"},{"clause":"2.52","heading":"Sum Insured","page":4,"url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932#c-2-52"}],"law":[]}],"documents":[{"kind":"wording","label":"NNPMP Wordings","pages":23,"fetched_at":"2026-10-17 19:54:47+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NNPMP%20Wordings_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/12932"},{"kind":"wording","label":"National Parivar Mediclaim policy (IRDAI copy)","pages":31,"fetched_at":"2026-10-20 02:27:21+00","source_url":"https://irdai.gov.in/documents/37343/931203/NATIONAL+INSURANCE+_+National+Parivar+Mediclaim+Policy_2015-2016.pdf/93b01f6c-93c6-e44e-80db-4e5d96721721?version=1.1&t=1668409067901&download=true","url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/28410"},{"kind":"prospectus","label":"NNPMP Prospectus","pages":26,"fetched_at":"2026-10-17 19:57:30+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NNPMP%20Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/13022"},{"kind":"cis","label":"NNPMP CIS","pages":8,"fetched_at":"2026-10-17 20:00:20+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NNPMP%20CIS.pdf","url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/13120"},{"kind":"premium","label":"NNPMP Rate Chart","pages":null,"fetched_at":"2026-10-17 19:50:37+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NNPMP%20Rate%20Chart.pdf","url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/30357"},{"kind":"proposal","label":"NNPMP Proposal","pages":null,"fetched_at":"2026-10-17 19:59:34+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NNPMP%20Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/30375"},{"kind":"claim-form","label":"NNPMP Claim Form","pages":null,"fetched_at":"2026-10-17 20:00:45+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NNPMP%20Claim%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425/document/30389"}],"versions":[{"uin":"IRDAI/NLHLT/NI/P-H/V.I/61/14-15","version":null,"approved_on":null},{"uin":"NICHLIP25037V022425","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"National Insurance official website","url":"https://nationalinsurance.nic.co.in","note":"Website as listed by IRDAI. Not checked: the site could not be reached from our crawler on 2026-10-19 (connection or TLS error)."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"New National Parivar Mediclaim Policy (UIN NICHLIP25037V022425), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/new-national-parivar-mediclaim-policy-nichlip25037v022425"}