New National Parivar Mediclaim in one table
| Insurer | National Insurance Company Limited |
|---|---|
| Sum insured | ₹1 lakh to ₹10 lakh on a floater basis, in ₹1 lakh steps, shared by the whole family |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What New National Parivar Mediclaim covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from National Insurance's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | None if you are treated inside the zone you bought. Zone III premium treated in Zone I carries 28%, and in Zone II 13.5%; Zone II premium treated in Zone I carries 13% | No Co-payment |
| Room Rent Limit | 1% of sum insured a day or actual, whichever is lower · ICU 2%. Take a dearer room and a proportionate deduction is applied to the associated expenses | No room rent capping |
| Disease sub-limit | Cataract capped at 10% of sum insured or ₹40,000 an eye, whichever is lower. Domiciliary treatment at 20% of sum insured up to ₹50,000. Each modern treatment at 25% of sum insured | No sub-limit |
| Sub-limits waived on network treatment | Neither the room limit nor the cataract limit applies to a listed procedure taken as a package in a Preferred Provider Network hospital | Caps waived on network care |
| No Claim Bonus | 5% of the floater basic sum insured for each claim-free year, up to 50%. It falls back 5% for any year a claim is made | 50% each year (Minimum upto 100%) |
| Restoration Benefit | Floater basic sum insured reinstated once a policy year, but only on a basic sum insured of ₹6 lakh or more, and not for a condition already claimed | 100% restoration once in a year |
| Pre-Hospitalization | 45 days | At least 60 days |
| Post-Hospitalization | 75 days | At least 120 days |
| Consumables | Not in the base cover. The Non-Medical Expenses add-on buys them back, up to 10% of the basic sum insured, on ₹5 lakh and above | Consumables covered |
| Maternity | Built in after a 3-year wait – 10% of sum insured, up to ₹30,000 for a normal delivery and ₹50,000 for a caesarean, with the baby covered from birth | Covered |
| Infertility treatment | Up to ₹50,000 per insured person a year, after a 3-year wait | Covered |
| Hospital cash | ₹300 a day on ₹1–5 lakh and ₹500 a day on ₹6–10 lakh, for a maximum of 5 days | Included |
| Day-Care Procedures | Covered up to the sum insured | Covered without a capped list |
| AYUSH Treatment | In-patient AYUSH treatment covered up to the sum insured | Included |
| Road ambulance | Up to ₹1,000 per illness and ₹2,500 a policy year | Included |
| Health check-up | Every 3 years – ₹3,000 on ₹1–5 lakh, ₹6,000 on ₹6–10 lakh | Included |
| Entry age | 18 to 65 for the proposer, 65 the maximum for any family member, children from 3 months. At least two people must be covered | No maximum entry age |
New National Parivar Mediclaim add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
New National Parivar Mediclaim discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| Long-term policy | Up to 2.25% or 4.5% | 2.25% off the total premium on a two-year policy and 4.5% on a three-year policy, including the optional covers. Instalment payment is available. |
| Optional co-payment | Up to 12.5% or 25% | 12.5% off for a 10% co-payment on every claim, or 25% off for a 20% co-payment. It applies to every insured person and stacks with the zone co-payment. |
From the plan prospectus. The zone co-payment is not a discount and is not listed here – it is the price of being treated outside the zone you paid for.
New National Parivar Mediclaim waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days |
|---|---|
| Hypertension, diabetes and cardiac conditions | 90 days |
| Benign ENT conditions and their surgeries | 1 year |
| Named specific illnesses | 2 years |
| Maternity, infertility, morbid obesity, joint replacement | 3 years |
| Pre-Existing Disease | 36 months |
The named illnesses that wait 90 days to 3 years, depending on the condition
There is no single specific-illness clock on this plan. Hypertension, diabetes and cardiac conditions wait 90 days; benign ENT surgery waits a year; the list below waits two years; maternity, infertility, morbid obesity, joint replacement and age-related osteoarthritis wait three. Where a listed condition is also pre-existing, the longer of the two waits applies. An accident is covered from day one. The list is indicative – the policy wording carries the full set.
New National Parivar Mediclaim exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where New National Parivar Mediclaim falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
New National Parivar Mediclaim questions, answered
Is this plan called National Parivar Mediclaim or New National Parivar Mediclaim?
The product on sale is the New National Parivar Mediclaim Policy, filed under UIN NICHLIP25037V022425. National Insurance also sells a separate product called National Parivar Mediclaim Plus, which is its own filing with its own terms rather than a newer version of this one. If a quote or a policy schedule names a different product, it is a different contract – check the UIN on the document rather than the name in the covering email.
How does the zone co-payment work?
The country is split into three zones. Zone I is Greater Mumbai, all of Gujarat, Delhi and the NCR, Chandigarh and Pune. Zone II is Chennai, Hyderabad and Bengaluru. Zone III is the rest of India. You pay premium for a zone, and if you are treated in a dearer one you bear a co-payment: Zone III premium carries 28% in Zone I and 13.5% in Zone II, and Zone II premium carries 13% in Zone I. Buying up to Zone I removes the co-payment everywhere. If you live in a smaller town but would travel to a metro hospital for anything serious, that difference in premium is usually the cheaper of the two.
What does the maternity cover actually pay?
Up to 10% of your sum insured per insured person per policy year, subject to ₹30,000 for a normal delivery and ₹50,000 for a caesarean, and it starts only after three years of continuous cover. The newborn is covered from birth within the same sum insured. Pre-natal and post-natal expenses outside an admission are not paid. It is a genuine inclusion – most plans charge for maternity as an add-on – but the amounts are set well below what a private metro hospital charges.
Can pre-existing diabetes or blood pressure be covered from day one?
Yes, through the Pre-existing Diabetes / Hypertension optional cover. It brings those two conditions inside the policy from inception instead of after 36 months, for an extra premium plus a co-payment on the related claims – 10% if you cover one condition, 25% if you cover both. After 36 months of continuous cover, the extra premium and the co-payment both drop away. Complications of those conditions that already exist when the policy is issued are not covered by it.
Does the sum insured get restored?
Once a policy year, and only if the floater basic sum insured is ₹6 lakh or more. The reinstatement applies after discharge from the admission that exhausted the cover, cannot be used for a condition already claimed, and does not carry into the next year. Below ₹6 lakh there is no restoration on this plan at all.
What waiting periods apply?
Any illness other than an accident waits 30 days. Hypertension, diabetes and cardiac conditions wait 90 days. Benign ENT conditions and their surgeries wait a year. A named list including cataract, hernia, piles and stone disease waits two years. Maternity, infertility, morbid obesity, joint replacement and age-related osteoarthritis wait three. Declared pre-existing disease waits 36 months, and where a listed condition is also pre-existing you serve the longer of the two.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other National Insurance plans we have read
National Insurance files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.