National Health Insurance for Parents

National Health Insurance for Parents is a customized health insurance plan that covers the entire family on a floater sum insured basis. This family health insurance plan by National Insurance Company Limited provides coverage to all the members of a family against unforeseen medical emergencies.

What is Health Insurance for Parents?

A health insurance policy for parents is a customized plan tailor-made to provide medical coverage to parents. It offers comprehensive coverage against medical ailments that may arise due to old age and may result in large medical expenses. It comes with a higher sum insured and also provides lucrative benefits, such as annual health check-up, cashless treatment, etc. to manage their medical expenses effectively.

Key Benefits of National Health Insurance for Parents 

National Health Insurance for Parents comes with the following key benefits:

1. Multiple sum insured options available ranging from Rs 1 lakh to Rs 50 lakh.

2. 5% no claim bonus for every claim-free year.

3. Health check-up facilities available for a block of claim-free years.

4. No pre-policy medical check-up up to 50 years.

5. 5% and 2.5% discount on buying or renewing the policy online.

6. 4% and 7.5% long term policy discount on choosing 2 years or 3 years policy term.

7. 3% discount if maternity or infertility cover is not availed by people above 45 years.

8. Reinstatement of the sum insured in case of exhaustion.

9. Income tax rebate on premium under section 80D of the IT Act.  

National Health Insurance Plans for Parents

The following table showcases the National Health Insurance plans for parents available in the market:

Plan Name	Sum Insured (Rs)
National Parivar Mediclaim Policy	1 lakh to 10 lakh
National Parivar Mediclaim Plus Policy	6 lakh to 50 lakh

Pre-existing Diseases Waiting Period

• For National Parivar Mediclaim Policy, it is 48 months.

• For National Parivar Mediclaim Plus Policy is 36 months.

Eligibility Criteria for National Health Insurance for Parents

Take a look at the eligibility criteria that need to be fulfilled to buy a National Health Insurance plan for a Parents:

Categories	Eligibility Criteria
Minimum Entry Age	3 months to 18 years
Maximum Entry Age	18 years to 65 years
No of Family	Self, spouse, dependent
Members Covered	children, parents and parents-in-law
Renewability	Lifelong

Inclusions of National Health Insurance for Parents 

National Health Insurance for Parents comes with the following inclusions:

1. In-patient Treatment

2. Pre-hospitalization Expenses

3. Post-hospitalization Expenses

4. Day Care Procedures

5. Ayurveda and Homeopathy Treatments

6. Domiciliary Hospitalization

7. Organ Donor Expenses

8. Hospital Cash

9. Ambulance Charges

10. Anti-rabies Vaccination

11. Maternity Benefit

12. Infertility Treatment

13. Modern Treatment

14. Morbid Obesity Treatment

15. Medical Second Opinion

16. Treatment due to Participation in 17. Hazardous or Adventure Sports

Optional Covers

1. Critical Illness Treatment

2. Outpatient Treatment

3. Pre-existing Diabetes or Hypertension (under Parivar Mediclaim Plus Plan)

The coverage and optional covers differ between the two National Health Insurance plans for the Parents.

Exclusions of National Health Insurance for Parents

The following coverage is excluded under National Health Insurance for Parents:

1. Treatment taken outside India

2. Plastic surgery or cosmetic surgery

3  Treatment for drug or alcohol abuse

4. Unproven treatments

5. Self-inflicted injury

6. Dental treatment

7. Hormone Replacement Therapy

Conclusion

The blog is designed and written in such a way that it provides an individual with all the possible tips and tricks and plans that should and one must purchase to safeguard our parent’s health and let them live their lives with peace, love and ease.

FAQs on the National Health Insurance for Parents