National Health Insurance Parivar Mediclaim Policy: Overview 2025

National Health Insurance Parivar Mediclaim Policy is one of the most popular family floater health insurance plans that protect Indian families against the high cost of medical treatment. This policy is provided by National Insurance Company Limited and it covers hospitalisation, pre and post-hospital expenses, and critical illnesses of all the members under one sum insured. The scheme has been revamped in 2025 to be more popular among the middle-income households seeking to find a comprehensive but affordable cover across India.

As medical inflation reaches its highest point and new health conditions have been introduced in the last few years, financial security in times of health emergencies is now a priority. The aim of this policy is to give peace of mind to Indian families so that they are not left with nothing after paying one hospital bill.

What are the Major characteristics of National Parivar Mediclaim Policy?

The National Parivar Mediclaim Policy is accompanied by numerous features that fit the different needs of Indian families. Some highlights are as follows:

• Family floater cover enables one to cover self, spouse, dependent children and dependent parents or parents-in-law under a single policy
• Sum insured options that are available typically vary between INR 2 lakhs and INR 10 lakhs of coverage based on 2025 plans
• Cover daycare procedures, in patient treatment, pre and post hospitalisation (up to 30 and 60 days respectively)
• Cashless treatment center in over 6000 network hospitals in India
• More than 140 day care procedures that do not involve 24 hour hospitalisation are covered
• Included domiciliary hospitalisation when treatment in the case of illness is received at home
• There were ambulance fees to a certain amount
• Reinstatement of sum insured when completely used up in a policy year on unrelated illnesses or accidents
• Bonus on each year of claim free policy up to 50 percent of sum insured
• Includes other forms of treatment such as Ayurveda, Unani, Siddha and Homeopathy (AYUSH)
• Possibility to include maternity and newborn cover with certain waiting periods

Did You Know?
National Insurance Company was the first public sector non-life insurer in India to come up with a family floater mediclaim policy way back in 1989, which set standards of comprehensive family coverage.

What are the Advantages and Disadvantages of Parivar Mediclaim Policy?

Being aware of the benefits and limitations, you will make a wise decision when considering health insurance of your family.

Pros

• Single premium insures the entire family and this minimizes expenses and bureaucracy.
• Extensive network of empanelled hospitals to avail cashless facility, so hospitalisation becomes a breeze
• Provides cover on alternative treatments (AYUSH) which are becoming popular among families in smaller cities
• Up to the age of 50, no pre-policy medical checkup is necessary provided that one has no adverse medical history
• Renewable throughout the life without age limit as per IRDAI guidelines 2025

Cons

• Pre existing diseases coverage begins after 48 months waiting period as is the case with many peers
• Maternity and newborn cover is only an add on and with a 36 months waiting period
• Some of the specific ailments like cataract, hernia, piles etc are capped or have sub limits
• The room rent is limited based on the sum insured selected that may not be preferred by all to the hospital of choice
• Premiums rise when moving to higher age brackets and when new members of the family are added

Experts’ Insight:
A family floater plan is cost effective to a nuclear Indian family, however, in case of families with old members who are susceptible to diseases, individual policies can be more cost effective in the long run, says Dr. Veena Nair, insurance consultant.

Purchasing Parivar Mediclaim Policy 2025.

Buying a National Health Insurance Parivar Mediclaim Policy is easy and most companies have gone digital first after the pandemic. One can:

• Go to the official National Insurance web site and make an online application
• Take advantage of third party web aggregators where sideby side comparisons can be made
• Purchase offline at the local branch of the company or authorized insurance agents
• Enter family member information, medical history and choose sum insured
• Submit age and identity document (e.g. Aadhaar or PAN)
• Pay online or offline; coverage of the policy can be initiated in a few hours without a medical examination in case of no medical checkup

People Also Ask:

May I add my in-laws to the same policy?
Yes, you can include your parents-in-law under the family floater when you are buying the policy.

Who is to choose National Parivar Mediclaim Policy?

This policy suits best:

• Young nuclear families who are interested in a complete single premium cover
• Dependent children or parents of middle aged couples
• Those who want low premiums and extensive coverage range
• Families in rural and semi urban areas seeking coverage of alternative therapy

Compare the benefits closely or look at individual plans in case you are older than 50 years or have relatives with severe health problems.

Did You Know?
According to IRDAI data 2024, over 30 percent of family health insurance products are now being bought in India as family floater policies such as National Parivar Mediclaim.

What Does National Parivar Mediclaim Cover in 2025?

The knowledge of inclusions assists in making decisions about whether it is necessary and appropriate to your family. The coverage normally covers:

• Hospitalisation costs as a result of illness or accident
• Pre and post hospitalisation costs of up to 30 and 60 days
• Renting of room, ICU, doctor fee, medicine, tests, diagnostic costs as per policy limits
• Treatments such as chemotherapy, dialysis, cataract, tonsillectomy, and others are done during the day care.
• The cost of ambulance is INR 2,500 per hospitalisation
• Costs of organ donor up to the sum insured
• AYUSH treatment in government approved/ network hospitals
• Domiciliary treatment on entitlement

What does not come under Parivar Mediclaim Policy?

The following are principal exclusions to note:

• Diseases that were pre existing in the 48 months waiting period
• Any care in the first 30 days of policy except accidents
• Cosmetic surgeries or dental procedures unless as a result of an accident
• Treatment of infertility, birth control, weight loss or hormone replacement
• Non-Indian treatment
• Diseases caused by substance abuse or self harm
• Other than AYUSH non allopathic treatments

People Also Ask:

Does the policy include COVID 19 or future pandemics?
All infectious diseases including COVID 19 are covered under hospitalisation in most standard health insurance plans as per IRDAI circulars that will be effective in 2025.

What is the Comparison of the Premium With Other Family Floater Policies?

In the case of 2025, National Parivar Mediclaim Policy is competitively priced in comparison to other floater policies in the public and private sectors. Compare below on a family of 2 adults and 2 children (sum insured INR 5 lakhs, age band 30 35):

The premiums can be differentiated on the basis of the city, age and the type of cover but in general, the policy is value based, particularly in the case of rural and urban middleclass families.

Experts’ Insight:
Insurance analyst Rakesh Mathur advises: before buying, always check the restoration clause, sub limits and total claim settlement ratio; cost is important but not the only factor.

Claiming National Parivar Mediclaim Policy.

In 2025, the process of cashless and reimbursement claims is simple:

• In the case of cashless care, notify TPA or insurer prior to admission in a network hospital
• Present e card or policy document to hospital desk
• TPA and hospital coordinate on approval and bills are paid directly, you only pay what is not covered
• In non network or reimbursement, gather all bills and papers, download claim form on the web site, and submit within one week of discharge

People Also Ask:

What is the time of claim settlement?
In 2025, most cashless claims take 3 to 7 days. In the case of reimbursement claims, it may take 10 to 15 days after the submission of documents.

What Riders or Add Ons in 2025?

Top up your family health cover by choosing add ons such as:

• Newborn Baby Cover (waiting periods) and Maternity Expense
• Specified illness Critical Illness Rider
• Accidental disability or death Personal Accident Cover
• Outpatient Coverage of Expenses
• Hospital daily cash allowance
• Room rent upgrade rider

Select add ons according to family health requirements, future growth and budget. Maternity rider is another trendy choice by young couples who intend to have children after pandemic.

Are Restrictions or Delays imposed?

Yes, the policy, as most floater plans, has some restrictions by 2025:

• 48 months of waiting on pre existing diseases
• Most illnesses require initial wait of 30 days
• Waiting time on specified conditions such as hernia, piles, stones is between 12 to 24 months
• Maternity after 36 months and only optional rider
• Staying within sub limits on room rent or eligible disease procedures will save extra expenses incurred by insured, hence read policy wording prior to admission to hospital.

Did You Know?
In 2024, more than 70 percent of Indian policyholders are happy with their family floater health insurance and advise to increase sum insured after every 3 to 4 years.

TL;DR Short Recap

National Parivar Mediclaim Policy will continue to be a favorite of the Indian family in 2025 because of its extensive network, fair prices, and convenient online experience.

• Full cover of all major hospitalisation related costs
• Handy add ons and no age limit of entry
• There are waiting periods and benefit cappings as in most floater plans
• Compare sub limits, higher sum insured is better as medical costs increase

People Also Ask - FAQ

Q: How many can be covered under a single Parivar Mediclaim policy?
A: One floater policy can cover self, spouse, dependent children and dependent parents or parents in law.

Q: Do you have to check up health each year?
A: Yes, unless you reach a certain age (typically 50 years), or report having pre-existing conditions, otherwise not required every year.

Q: Is there telemedicine or online doctor consultation in the policy?
A: There are 2025 plans that provide econsultation as a value add, ask insurer at renewal.

Q: Can individual policy be converted to family floater?
A: Yes, it can be converted at renewal and with continuity of benefits wherever possible.

Q: What do I need to show to have my claim approved?
A: Necessary are discharge summary, bills, investigations, prescriptions, KYC documents, and claim forms.

Sources:

• Official site of the National Insurance Company.