{"uin":"NICHLIP25039V032425","name":"National Parivar Mediclaim Plus Policy (Floater Policy)","url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425","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":null,"withdrawn_on":null,"summary":"National Parivar Mediclaim Plus Policy is a family floater health insurance policy with Plan A, Plan B and Plan C sum insured slabs from INR 6 Lac to INR 50 Lac. It covers in-patient treatment, pre and post hospitalisation, day care, AYUSH, maternity and other benefits, with optional Pre-existing Diabetes/Hypertension, Out-patient Treatment and Critical Illness covers.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:53:42.007374+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":"quote-verified","value":["PLAN A","PLAN B","PLAN C"],"display":"PLAN A, PLAN B and PLAN C","note":null,"quote":"Features | Plans\nPLAN A | PLAN B | PLAN C","sources":[{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"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":6,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/13034#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 or domiciliary hospitalisation must be intimated at least 72 hours before admission or start of domiciliary hospitalisation, and emergency cases within 24 hours. Anti-rabies vaccination and vaccination for children must be intimated at least 24 hours before vaccination.","display":"Planned hospitalisation: at least 72 hours before admission; emergency: within 24 hours of admission; vaccination: at least 24 hours before vaccination","note":null,"quote":"In the event of planned hospitalization | At least seventy two hours prior to the insured person’s admission ... In the event of emergency hospitalization | Within twenty four hours of the insured person’s admission ... In the event of planned hospitalisation/ domiciliary hospitalistion/ | At least seventy two hours prior to the insured person’s admission to hospital/ inception of domiciliary hospitalisation ... In the event of emergency hospitalisation/ domiciliary hospitalistion | Within twenty four hours of the insured person’s admission to hospital/ inception of domiciliary hospitalisation ... In the event of Anti Rabies Vaccination/ Vaccination for Children | At least twenty four hours prior to the vaccination","sources":[{"clause":null,"heading":"5.5 Claim Procedure","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-5-claim-procedure"}],"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.","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.","For claim under Maternity for surrogacy under Infertility in addition to documents listed above (as applicable), legal affidavit regarding intimation of surrogacy.","For claim under Medical Emergency Reunion in addition to documents listed above (as applicable), confirmation of the need of family member from attending medical practitioner","For claim under Reinstatement of Sum Insured due to Road Traffic Accident in addition to documents listed above (as applicable), police investigation report, confirming the road traffic accident.","Any other document required by Company/TPA"],"display":"Completed claim form; bills, receipts and discharge summary; prescriptions and test reports; medical practitioner and surgeon certificates; benefit-specific documents; any other document required by Company/TPA","note":null,"quote":"The claim is to be supported by the following documents in original and submitted within the prescribed time limit.\ni. Completed claim form\nii. Bills, payment receipts, medical history of the patient recorded, discharge certificate/ summary from the hospital etc.\niii. Cash-memo from the hospital (s)/chemist (s) supported by proper prescription\niv. Payment receipt, investigation test reports etc. supported by the prescription from the attending medical practitioner\nv. Attending medical practitioner’s certificate regarding diagnosis along with date of diagnosis and bill receipts etc.\nvi. Certificate from the surgeon stating diagnosis and nature of operation and bills/receipts etc.\nvii. 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.\nviii. For claim under Maternity for surrogacy under Infertility in addition to documents listed above (as applicable), legal affidavit regarding intimation of surrogacy. ... ix) For claim under Medical Emergency Reunion in addition to documents listed above (as applicable), confirmation of the need of family member from attending medical practitioner ... x) For claim under Reinstatement of Sum Insured due to Road Traffic Accident in addition to documents listed above (as applicable), police investigation report, confirming the road traffic accident. ... xi) Any other document required by Company/TPA","sources":[{"clause":null,"heading":"5.5.4 Documents","page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-5-4-documents"},{"clause":"7(c)(ix)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-7-c-ix"},{"clause":"7(c)(x)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-7-c-x"},{"clause":"7(c)(xi)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-7-c-xi"}],"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 shall complete investigation within 30 days and settle or reject 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; investigation cases within 45 days from last necessary document","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. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, 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":null,"heading":"5.5.5 Claim Settlement","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-5-5-claim-settlement"}],"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)","Drug/Alcohol Abuse (Excl 12)","Unproven Treatments (Excl16)","Out Patient Department (OPD)","Treatment taken outside the geographical limits of India"],"display":"Waiting periods for PED, specified diseases and first 30 days, plus exclusions such as investigation, rest cure, gender change, cosmetic surgery, professional hazardous sports, drug/alcohol abuse, unproven treatments, OPD and treatment outside India","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) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Excl 12) ... 4.16. Unproven Treatments (Excl16) ... 4.25. Out Patient Department (OPD) ... 4.36. Treatment taken outside the geographical limits of India","sources":[{"clause":null,"heading":"4.1. Pre-Existing Diseases (Excl 01)","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-1-pre-existing-diseases-excl-01"},{"clause":null,"heading":"4.2. Specified disease/procedure waiting period (Excl 02)","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-2-specified-disease-procedure-waiting-period-e"},{"clause":null,"heading":"4.3. First 30 days waiting period (Excl 03)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-3-first-30-days-waiting-period-excl-03"},{"clause":null,"heading":"4.4. Investigation & Evaluation (Excl 04)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-4-investigation-evaluation-excl-04"},{"clause":null,"heading":"4.5. Rest Cure, Rehabilitation and Respite Care (Excl 05)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-5-rest-cure-rehabilitation-and-respite-care-ex"},{"clause":null,"heading":"4.7. Change-of-Gender Treatments (Excl 07)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-7-change-of-gender-treatments-excl-07"},{"clause":null,"heading":"4.8. Cosmetic or Plastic Surgery (Excl 08)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-8-cosmetic-or-plastic-surgery-excl-08"},{"clause":null,"heading":"4.9. Hazardous or Adventure Sports (Excl 09)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-9-hazardous-or-adventure-sports-excl-09"},{"clause":null,"heading":"4.12. Drug/Alcohol Abuse (Excl 12)","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-12-drug-alcohol-abuse-excl-12"},{"clause":null,"heading":"4.16. Unproven Treatments (Excl16)","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-16-unproven-treatments-excl16"},{"clause":null,"heading":"4.25. Out Patient Department (OPD)","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-25-out-patient-department-opd"},{"clause":null,"heading":"4.36. Treatment taken outside the geographical limits of India","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-36-treatment-taken-outside-the-geographical-li"}],"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":"First submit the grievance in writing to the Policy Issuing Office or the Grievance cell at the Regional Office. If it remains unaddressed, contact the Customer Relationship Management Department of National Insurance Company Limited, and then the Bima Bharosa portal or Insurance Ombudsman can be approached.","display":"Policy Issuing Office or Regional Office Grievance cell first; then Customer Relationship Management Dept.; then Bima Bharosa or Insurance Ombudsman","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:\nCustomer Relationship Management Dept., National Insurance Company Limited","sources":[{"clause":null,"heading":"6. REDRESSAL OF GRIEVANCE","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#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":"Plan A: INR 6, 7, 8, 9 or 10 Lac. Plan B: INR 15, 20 or 25 Lac. Plan C: INR 30, 40 or 50 Lac.","display":"Plan A: INR 6/7/8/9/10 Lac; Plan B: INR 15/20/25 Lac; Plan C: INR 30/40/50 Lac","note":null,"quote":"Sum insured (SI) (as Floater) | INR 6/ 7/ 8/ 9 /10 Lac | INR 15/ 20 /25 Lac | INR 30/ 40/ 50 Lac","sources":[{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"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":"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":null,"heading":"4.3. First 30 days waiting period (Excl 03)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-3-first-30-days-waiting-period-excl-03"}],"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":"Applies afresh to enhanced sum insured; prior continuous coverage under portability norms reduces the waiting period.","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":null,"heading":"4.1. Pre-Existing Diseases (Excl 01)","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-1-pre-existing-diseases-excl-01"}],"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":"Other specified disease/procedure waiting periods are one year, two years and three years. This exclusion is not applicable for 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":null,"heading":"4.2. Specified disease/procedure waiting period (Excl 02)","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-2-specified-disease-procedure-waiting-period-e"}],"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","Hysterectomy","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":"Hypertension, diabetes and cardiac conditions; ENT procedures; cataract, hernia, piles and other listed surgeries; joint replacement, osteoarthritis/osteoporosis, morbid obesity and specified stem cell therapy","note":null,"quote":"i) 90 Days Waiting Period (Life style conditions)\na) Hypertension and related complications\nb) Diabetes and related complications\nc) Cardiac conditions\nii. One year waiting period\na. Benign ENT disorders | d. Mastoidectomy\nb. Tonsillectomy | e. Tympanoplasty\nc. Adenoidectomy\niii. Two years waiting period\na. Cataract | m. Surgery of gall bladder and bile duct excluding\nb. Benign prostatic hypertrophy | malignancy\nc. Hernia | n. Surgery of genito-urinary system excluding\nd. Hydrocele | malignancy\ne. Fissure/Fistula in anus | o. Surgery for prolapsed intervertebral disc unless\nf. Piles (Haemorrhoids) | arising from accident\ng. Sinusitis and related disorders | p. Surgery of varicose vein\nh. Polycystic ovarian disease | q. Hysterectomy\ni. Non-infective arthritis | r. Refractive error of the eye more than 7.5 dioptres\nj. Pilonidal sinus | s. Congenital Internal Anomaly (not applicable for\nk. Gout and Rheumatism | new born baby)\nl. Calculus diseases ... iv. Three years waiting period Following diseases 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":null,"heading":"4.2. Specified disease/procedure waiting period (Excl 02)","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-2-specified-disease-procedure-waiting-period-e"}],"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":null,"heading":"5.6 Moratorium Period","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-6-moratorium-period"}],"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 entire policy with all family members to another insurer by applying at least 15 days before, but not earlier than 60 days from, the renewal date. Accrued continuity benefits for specific waiting periods, PED waiting period and moratorium are given to the extent of the previous policy sum insured.","display":"Can port to other insurers with accrued continuity benefits, if applied 15 to 60 days before renewal","note":"Portability benefit applies only to the extent of Sum Insured of the previous policy, not any additional increased Sum Insured.","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-\nexisting diseases and Moratorium period","sources":[{"clause":null,"heading":"5.19 Portability","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-19-portability"}],"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, renewable throughout the lifetime of the insured persons","note":"Children or siblings can renew till marriage as stated in the prospectus.","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":7,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/13034#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 shall apply 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":null,"heading":"5.15 Renewal of Policy","page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-15-renewal-of-policy"}],"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 policyholder may cancel at any time by giving 7 days' written notice. If the policy term is up to one year and no claim is made, proportionate premium for the unexpired period is refunded; for terms over one year, premium for uncommenced policy years and proportionate premium for the current unexpired policy year are refunded, but no refund is made if a claim has been admitted or lodged or any benefit availed.","display":"Proportionate refund for unexpired period if no claim; no refund where any claim is admitted/lodged or benefit availed","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. The Insurer shall:\na) 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.\nb) 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":"7(d)(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-7-d-ii-2"}],"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 for this insurance 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":null,"heading":"5.8 Territorial Limit","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-8-territorial-limit"}],"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 renewals or porting/migration; available for policies with a term of one year or more.","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":null,"heading":"5.22 Free Look Period","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-22-free-look-period"}],"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. 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/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#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 should be between eighteen years and sixty five years, and the maximum entry age of any family member is sixty five years. Children between three months and eighteen years may be covered if parent(s) are covered concurrently.","display":"Proposer: 18 to 65 years; family member maximum entry age: 65 years; children: 3 months to 18 years with parent(s)","note":"Entry age is stated in the prospectus.","quote":"Proposer should be between eighteen years and sixty five years.\niii) Maximum entry age of any family member is sixty five years.\niv) Children between the age of three months and eighteen years may be covered, provided parent(s) is/are covered concurrently.","sources":[{"clause":"2.1","heading":"Eligibility","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/13034#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 and National Non-Medical Expenses Add-on","note":"The three optional covers are in the policy wording; the two add-ons are shown in the Table of Benefits as available on payment of additional premium.","quote":"7. OPTIONAL COVERS ... 7.1 Pre-existing Diabetes / Hypertension ... 7.2 Out-patient Treatment ... 7.3 Critical Illness ... 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":null,"heading":"7. OPTIONAL COVERS","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-7-optional-covers"},{"clause":"7.1","heading":"Pre-existing Diabetes / Hypertension","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-7-1"},{"clause":"7.2","heading":"Out-patient Treatment","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-7-2"},{"clause":"7.3","heading":"Critical Illness","page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-7-3"},{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"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":"Coverage is not available during the grace period for which no premium is received.","display":"No cover during grace period","note":null,"quote":"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/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#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":"For Plan A, room charges are payable up to 1% of the sum insured per day or actual, whichever is lower. For Plan B and Plan C, room charges are payable up to the sum insured, and the Plan A room/ICU limit does not apply for listed PPN package procedures.","display":"Plan A: Room up to 1% of SI per day or actual, whichever is lower; Plan B/C: up to SI","note":"The percentage room limit is for Plan A only.","quote":"Room charges and intensive care unit charges per day shall be payable up to the limit as shown in the Table of Benefits, for Plan A only. However, the limit shall not apply if the treatment is undergone for a listed procedure in a Preferred Provider Network (PPN) as a package. ... * Room/ ICU Charges (per day per insured person) | Room - Up to 1% of SI or actual, whichever is lower ICU – Up to 2% of SI or actual, whichever is lower | Up to SI | Up to SI","sources":[{"clause":"3.1.1.1","heading":"Limit for Room Charges and Intensive Care Unit Charges","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-1-1"},{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"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-stated","value":null,"display":null,"note":null,"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":"For Plan A, ICU charges are payable up to 2% of the sum insured per day or actual, whichever is lower. For Plan B and Plan C, ICU charges are payable up to the sum insured, and the Plan A room/ICU limit does not apply for listed PPN package procedures.","display":"Plan A: ICU up to 2% of SI per day or actual, whichever is lower; Plan B/C: up to SI","note":"The percentage ICU limit is for Plan A only.","quote":"Room charges and intensive care unit charges per day shall be payable up to the limit as shown in the Table of Benefits, for Plan A only. However, the limit shall not apply if the treatment is undergone for a listed procedure in a Preferred Provider Network (PPN) as a package. ... * Room/ ICU Charges (per day per insured person) | Room - Up to 1% of SI or actual, whichever is lower ICU – Up to 2% of SI or actual, whichever is lower | Up to SI | Up to SI","sources":[{"clause":"3.1.1.1","heading":"Limit for Room Charges and Intensive Care Unit Charges","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-1-1"},{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Zone-based co-payment applies if treatment is taken in a higher zone than the premium zone: Zone II to Zone I has 5%; Zone III to Zone I has 12.5% and to Zone II has 7.5%; Zone IV to Zone I has 22.5%, to Zone II has 17.5%, and to Zone III has 10%. Optional co-payment of 20% or 10% can also be chosen for a premium discount.","display":"Zone co-pay: 5%, 7.5%, 10%, 12.5%, 17.5% or 22.5% depending on premium zone and treatment zone; optional 10% or 20% co-pay","note":"Zone I premium allows treatment in all zones without co-payment; Zone II premium allows Zones II, III and IV without co-payment; Zone III premium allows Zones III and IV without co-payment; Zone IV premium allows Zone IV without co-payment. Optional co-payment does not apply on Critical Illness and Outpatient Treatment optional covers, but applies on Pre-existing Diabetes/Hypertension optional cover.","quote":"Where treatment has been taken in a zone, other than the one for which ** premium has been paid, the claim shall be subject to co-payment. ... Availing treatment in Zone I will be subject to a co-payment of 5% ... Availing treatment in Zone I will be subject to a co-payment of 12.5% ... Availing treatment in Zone II will be subject to a co-payment of 7.5% ... Availing treatment in Zone I will be subject to a co-payment of 22.5% ... Availing treatment in Zone II will be subject to a co-payment of 17.5% ... Availing treatment in Zone III will be subject to a co-payment of 10% ... The Insured may opt for Optional Co-payment, with discount in premium. ... • 20% Co-payment on each admissible claim under the Policy, with a 25% discount in total premium.\n• 10% Co-payment on each admissible claim under the Policy, with a 12.5% discount in total premium.","sources":[{"clause":null,"heading":"5.5.7 Classification of * Zone and Co-payment","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-5-7-classification-of-zone-and-co-payment"},{"clause":null,"heading":"5.5.8 Optional Co-payment","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-5-8-optional-co-payment"}],"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":"quote-verified","value":"No deductible is stated in the CIS.","display":"None","note":"The policy wording does not state a deductible; the CIS states none.","quote":"iii. Deductible iv. Any other limit | Noida, Bahadurgarh, Sonepat-Kundli Charkhi Dadri, Bhiwani, Narnaul Copayment of 5% if insured paying premium as per Zone II but availing treatment in Zone I Copayment of 12.5% if insured paying premium as per Zone III but availing treatment in Zone I Copayment of 7.5% if insured paying premium as per Zone III but availing treatment in Zone II Copayment of 22.5% if insured paying premium as per Zone IV but availing treatment in Zone I Copayment of 17.5% if insured paying premium as per Zone IV but availing treatment in Zone II Copayment of 10% if insured paying premium as per Zone IV but availing treatment in Zone III Optional Co-payment Insured may choose either of the two Co-payment options: •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. Above copayments shall not be applicable on Critical illness & Outpatient treatment optional covers, but shall apply on Pre-existing diabetes and/ or hypertension optional cover. None None","sources":[{"clause":"3.1.1.3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/13125#c-3-1-1-3"}],"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":["Limit for Cataract Surgery (For each eye per insured person): Plan A up to 15% of SI or INR 60,000 whichever is lower; Plan B/C up to SI","Modern Treatment: up to 25% of SI for each treatment","Treatment due to participation in hazardous or adventure sports (non-professionals): up to 25% of SI","Maternity: Plan A up to INR 30,000 for normal delivery and INR 50,000 for caesarean section; Plan B/C up to SI","Infertility: Plan A up to INR 50,000; Plan B/C up to INR 1,00,000"],"display":"Cataract, modern treatment, non-professional hazardous/adventure sports treatment, maternity and infertility have sub-limits","note":"The cataract limit does not apply for listed PPN package procedures.","quote":"** Limit for Cataract Surgery (For each eye per insured person) | Up to 15% of SI or INR 60,000 whichever is lower | Up to SI | Up to SI ... Modern Treatment (12 nos) | Up to 25% of SI for each treatment | Up to 25% of SI for each treatment | Up to 25% of SI for each treatment\nTreatment due to participation in hazardous or adventure sports (non-professionals) | Up to 25% of SI | Up to 25% of SI | Up to 25% of SI ... Maternity (including Baby from Birth Cover) (per insured person, in a policy year, waiting period of 2 years applies) | Up to INR 30,000 for normal delivery and INR 50,000 for caesarean section | Up to SI | Up to SI ... Infertility (per insured person, in a policy year, waiting period of 2 years applies) | Up to INR 50,000 | Up to INR 1,00,000 | Up to INR 1,00,000","sources":[{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"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":30},"display":"30 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 thirty 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/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#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":60},"display":"60 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 sixty 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/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#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 are covered up to the sum insured, but treatment in the outpatient department is not covered.","display":"Covered for day care treatments requiring less than 24 hours hospitalisation, up to SI","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. ... Day Care Procedures (as Floater) | Up to SI | Up to SI | Up to SI","sources":[{"clause":"3.1.5","heading":"Day Care Procedure","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-5"},{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"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 is covered including pre and post hospitalisation expenses. The limit is up to INR 1,00,000 for Plan A and up to INR 2,00,000 for Plans B and C, with exclusions including treatment of less than three days and specified diseases.","display":"Covered: Plan A up to INR 1,00,000; Plan B/C up to INR 2,00,000","note":"Domiciliary hospitalisation also excludes alternative treatment, maternity or infertility, and listed diseases such as asthma, bronchitis, psychiatric or psychosomatic disorders, epilepsy and arthritis/gout/rheumatism.","quote":"The Company shall 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 INR 1,00,000 | Up to INR 2,00,000 | Up to INR 2,00,000 ... Domiciliary hospitalisation shall not cover:\ni) Treatment of less than three days","sources":[{"clause":"3.1.4","heading":"Domiciliary Hospitalisation","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-4"},{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"},{"clause":null,"heading":"Exclusions","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-exclusions"}],"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 in any AYUSH Hospital is covered up to the sum insured.","display":"AYUSH inpatient treatment in any AYUSH Hospital covered up to SI","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/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#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":"Listed modern treatments are covered for in-patient care, domiciliary hospitalisation or day care with pre and post hospitalisation expenses, subject to 25% of the sum insured for the related modern procedure/component/medicine. The listed 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.","display":"Covered, up to 25% of SI for each listed modern treatment","note":null,"quote":"The Company shall indemnify the Medical Expenses for In-Patient Care, Domiciliary Hospitalisation 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.\nModern Treatment | Coverage\nUAE & HIFU | Limit is for Procedure cost only\nBalloon Sinuplasty | Limit is for Balloon cost only\nDeep Brain Stimulation | Limit is for implants including batteries only\nOral Chemotherapy | Only cost of medicines payable under this limit, other incidental charges like investigations and consultation charges not payable.\nImmunotherapy | Limit is for cost of injections only.\nIntravitreal injections | Limit is for complete treatment, including Pre & Post Hospitalization\nRobotic Surgery | Limit is for robotic component only.\nStereotactic Radio surgeries | Limit is for radiation procedure.\nBronchial Thermoplasty | Limit is for complete treatment, including Pre & Post Hospitalization\nVaporization of the prostrate | Limit is for LASER component only.\nIONM | Limit is for IONM procedure only.\nStem cell therapy | Limit is for complete treatment, including Pre & Post Hospitalization","sources":[{"clause":null,"heading":"3.1.19 Modern Treatment","page":8,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-19-modern-treatment"}],"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 up to the sum insured if the insured person's in-patient transplant claim is admitted. Pre and post hospitalisation expenses of the donor and organ acquisition, transportation or preservation costs are excluded.","display":"Covered up to SI for donor hospitalisation for organ harvesting","note":null,"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 ... Claim has been admitted under In-patient Treatment Section in respect of the Insured Person undergoing the organ transplant. ... Organ Donor’s Medical Expenses (as Floater) | Up to SI | Up to SI | Up to SI ... 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/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-7"},{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"},{"clause":null,"heading":"Exclusions","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-exclusions-2"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance is covered if an in-patient treatment claim is admitted, up to INR 2,500 for Plan A, INR 4,000 for Plan B and INR 5,000 for Plan C per insured person per policy year. Air ambulance is not covered in Plan A and is covered up to 5% of the sum insured in Plans B and C, with prior intimation and an admitted in-patient claim.","display":"Road ambulance: Plan A INR 2,500, Plan B INR 4,000, Plan C INR 5,000; air ambulance: Plan A not covered, Plan B/C up to 5% of SI","note":null,"quote":"The Company shall reimburse the insured the expenses incurred for ambulance charges for transportation to the hospital, or from one hospital to another hospital, up to the limit as shown in the Table of Benefits, provided a claim has been admitted under In-patient Treatment Section. ... The Company shall reimburse the insured the expenses incurred for medical evacuation of the insured person by air ambulance to the nearest hospital or from one hospital to another hospital following an emergency up to the limit as per the Table of Benefits, provided prior intimation is given to the Company/TPA, and a claim has been admitted under In-patient Treatment Section. ... Ambulance (per insured person, in a policy year) | Up to INR 2,500 | Up to INR 4,000 | Up to INR 5,000\nAir Ambulance (per insured person, in a policy year) | Not covered | Up to 5% of SI | Up to 5% of SI","sources":[{"clause":"3.1.9","heading":"Ambulance","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-9"},{"clause":"3.1.10","heading":"Air Ambulance","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-10"},{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"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":"If the sum insured is exhausted by claims from road traffic accident injury, the sum insured is reinstated for subsequent hospitalisation due to any other disease or injury. Reinstatement is allowed only once in a policy year and the maximum payable under a single claim shall not exceed the sum insured in the schedule.","display":"Yes, reinstatement due to road traffic accident only, once per policy year","note":"This is not a general restoration benefit; it applies only after exhaustion due to road traffic accident claims.","quote":"In the event of the sum insured being exhausted on account of claims arising out of any injury due to road traffic accident during a policy year, if the Insured and/or Insured Person (s) has to subsequently incur any expenses on hospitalisation due to any other disease/ injury, the Company shall reinstate the sum insured as mentioned in the schedule. Reinstatement shall be allowed only once during the policy year and the maximum amount payable under a single claim shall not exceed the sum insured as mentioned in the schedule.","sources":[{"clause":null,"heading":"3.1.22 Reinstatement of Sum Insured due to Road Traffic Accident","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-22-reinstatement-of-sum-insured-due-to-road"}],"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":"The policy gives a no-claim discount, not an increase in sum insured. On renewal of a one-year policy, a flat 5% discount on base premium is allowed if no claims are reported in the expiring policy; for longer terms, claim-free policy year discounts are aggregated, capped at 5% of the total base premium for the term.","display":"No-claim discount: flat 5% on base premium, if no claims are reported","note":null,"quote":"On renewal of policies with a term of one year, a NCD of flat 5% shall be allowed on the * base premium, provided claims are not reported in the expiring Policy. On renewal of policies with a term exceeding one year, the NCD amount with respect to each claim free policy year shall be aggregated and allowed on renewal. Aggregate amount of NCD allowed shall not exceed flat 5% of the total base premium for the term of the policy.","sources":[{"clause":null,"heading":"3.2 GOOD HEALTH INCENTIVES","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-2-good-health-incentives"}],"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":"List-I expenses are not covered under the base policy, while items in List-II, List-III and List-IV are to be subsumed into room charges, procedure charges or costs of treatment. A National Non-Medical Expenses Add-on is available on payment of additional premium up to 10% of Basic Sum Insured for eligible base policies.","display":"Base policy does not cover List-I expenses; optional Non-Medical Expenses Add-on up to 10% of Basic SI","note":"The add-on is separate from the base policy and is available on payment of additional premium.","quote":"The expenses that are not covered in this policy are placed under List-l of Annexure-II of the Policy. The list of expenses that are to be subsumed into room charges, or procedure charges or costs of treatment are placed under List-II, List-III and List-IV of Annexure-II of the Policy respectively ... 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":null,"heading":"Note","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-note-2"},{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"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 after continuous coverage for at least 24 months, including pre-natal and post-natal hospitalisation expenses per delivery and necessary vaccination for the newborn baby. Plan A limits are INR 30,000 for normal delivery and INR 50,000 for caesarean section; Plans B and C are up to the sum insured.","display":"Covered after 24 months; Plan A INR 30,000 normal / INR 50,000 caesarean, Plan B/C up to SI","note":"Delivery or lawful medical termination is limited to two deliveries or terminations under the policy and renewals, and not more than one during a single policy period.","quote":"The female Insured Person should have been continuously covered for at least 24 months before availing this benefit. ... Maternity (including Baby from Birth Cover) (per insured person, in a policy year, waiting period of 2 years applies) | Up to INR 30,000 for normal delivery and INR 50,000 for caesarean section | Up to SI | Up to SI","sources":[{"clause":"3.1.14","heading":"Maternity","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-14"},{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"A newborn baby is automatically covered from birth under the sum insured available to the mother for up to 3 months of age. After 3 months, the newborn is covered only if specifically included mid-term and the required premium is paid.","display":"Covered from birth up to 3 months under mother's available SI","note":"Necessary vaccination for New Born Baby is included in the maternity cover.","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":"3.1.14","heading":"Maternity","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-14"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"Medical expenses including pre and post hospitalisation expenses related to mental illnesses are covered if treatment is undertaken at a hospital with a specific department for mental illness under a qualified psychiatrist or specified AYUSH mental health postgraduate professional. Psychological counselling and psychotherapy that do not require hospitalisation are not covered.","display":"In-patient mental illness treatment covered; non-hospitalisation counselling/psychotherapy excluded","note":null,"quote":"The Company shall indemnify the Hospital or the Insured the Medical Expenses (including Pre 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 kind of Psychological counselling, cognitive/ family/ group/ behavior/ palliative therapy or other kinds of psychotherapy for which Hospitalisation is not necessary shall not be covered.","sources":[{"clause":null,"heading":"3.1.18 Mental Illness Cover","page":8,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-1-18-mental-illness-cover"},{"clause":null,"heading":"Exclusions","page":8,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#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":"Health check-up expenses are reimbursed irrespective of past claims at the end of a block of two continuous policy years if the policy has been continuously renewed without a break. Limits are Plan A up to INR 5,000, Plan B up to INR 7,500 and Plan C up to INR 10,000.","display":"Every 2 years: Plan A up to INR 5,000, Plan B up to INR 7,500, Plan C up to INR 10,000","note":null,"quote":"Expenses of health check up shall be reimbursed (irrespective of past claims) at the end of a block of two continuous policy years, provided the Policy has been continuously renewed with the Company without a break. Expenses payable are subject to the limit stated in the Table of Benefits. ... Health Check Up (as Floater) | Every 2 yrs., up to INR 5,000 | Every 2 yrs., up to INR 7,500 | Every 2 yrs., up to INR 10,000","sources":[{"clause":null,"heading":"3.2.2 Health Check Up","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-3-2-2-health-check-up"},{"clause":null,"heading":"Insurance is the subject matter of solicitation","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-insurance-is-the-subject-matter-of-solicitation"}],"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. An optional Out-patient Treatment cover can be bought for consultations, diagnostic tests, medicines/drugs and outpatient dental treatment, with limits of INR 2,000 to INR 25,000 in addition to the sum insured.","display":"Base OPD excluded; optional OPD cover INR 2,000/3,000/4,000/5,000/10,000/15,000/20,000/25,000","note":"The OPD cover is an optional cover and is not part of the base cover unless selected.","quote":"Any expenses incurred on OPD. ... 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 ... Limit of cover, available under Out-patient Treatment are INR 2,000/ 3,000/ 4,000/ 5,000/ 10,000/ 15,000/ 20,000/ 25,000, in addition to the sum insured opted.","sources":[{"clause":null,"heading":"4.25. Out Patient Department (OPD)","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-4-25-out-patient-department-opd"},{"clause":"7.2","heading":"Out-patient Treatment","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-7-2"},{"clause":null,"heading":"Limit of Cover","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-limit-of-cover-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 claim admissibility may be subject to co-payment if treatment is taken in a zone other than the one for which premium was paid.","display":"Yes, premium is zone-based and higher-zone treatment can attract co-pay","note":"Zones are Zone I: Greater Mumbai Metropolitan area and Gujarat; Zone II: NCT Delhi/NCR, Chandigarh, Pune; Zone III: Chennai, Hyderabad, Bangalore, Kolkata; Zone IV: rest of India.","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.","sources":[{"clause":"2.9","heading":"Payment of Premium","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/13034#c-2-9"},{"clause":null,"heading":"5.5.7 Classification of * Zone and Co-payment","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-5-7-classification-of-zone-and-co-payment"}],"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.\nii. 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":null,"heading":"5.5.2 Procedure for Cashless Claims","page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-5-2-procedure-for-cashless-claims"}],"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":"The proposer can choose claims serviced by a TPA or by the Company. A TPA may handle claims admission and recommend settlement, but claim settlement and rejection are not TPA services.","display":"TPA if TPA service is opted; otherwise the Company","note":null,"quote":"The proposer has the option of claims being serviced by TPA (in which case cashless facility/reimbursement of expenses will be available) or the Company (in which case expenses will be reimbursed). ... 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":"2.9","heading":"Payment of Premium","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/13034#c-2-9"},{"clause":null,"heading":"5.5.6 Services Offered by TPA","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-5-5-6-services-offered-by-tpa"}],"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, floater sum insured for the insured family","note":null,"quote":"Floater Sum Insured 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":"2.20","heading":"Floater Sum Insured","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939#c-2-20"}],"law":[]}],"documents":[{"kind":"wording","label":"NPMPP Wordings","pages":25,"fetched_at":"2026-10-17 19:55:01+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NPMPP%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/12939"},{"kind":"prospectus","label":"NPMPP Prospectus","pages":26,"fetched_at":"2026-10-17 19:57:43+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NPMPP%20Prospectus_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/13034"},{"kind":"cis","label":"NPMPP CIS","pages":9,"fetched_at":"2026-10-17 20:00:31+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NPMPP%20CIS.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/13125"},{"kind":"premium","label":"NPMPP Rate Chart","pages":null,"fetched_at":"2026-10-17 19:50:57+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NPMPP%20Rate%20Chart.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/30359"},{"kind":"proposal","label":"NPMPP Proposal","pages":null,"fetched_at":"2026-10-17 19:59:46+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NPMPP%20Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/30377"},{"kind":"claim-form","label":"NPMPP Claim Form","pages":null,"fetched_at":"2026-10-17 20:00:56+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NPMPP%20Claim%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425/document/30393"}],"versions":[],"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":"National Parivar Mediclaim Plus Policy (Floater Policy) (UIN NICHLIP25039V032425), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/national-parivar-mediclaim-plus-policy-floater-policy-nichlip25039v032425"}