COMPARISON OF 3 PARIVAR PO

FEATURES

Sum insured option

PARIVAR MEDICLAIM
FOR FAMILY (Existing)
2 Lac to 5 Lac in multiple of 50,000.

Who can be covered

Family includes Self,spouse, 2

dependent children

Renewability

Lifelong

Entry Age

18-65 years
Age of the Insured Person

Base Premium calculated as per

No Applicability
Treatment done in places other than the
zones where the policy is taken
Applicable
Overseas Travel Insurance Policy
Not Applicable
Domiciliary Hospitalisation
Applicable
Portability

Claim Amount

Policy period

50% of the Sum Insured for any one

illness during the policy period

1 year
BASIC FEATURES

Treatment under Allopathy/ Modern

medicine, Ayurveda,Homeopathy

Organ Donor's Medical Expenses

Only Allopathy is covered

Payable within the sublimits
applicable in the policy

Hospitalisation expenses

Covered

Pre and Post Hospitalisation expenses

Pre (15 days) and Post (30 days)

Hospitalisation

140+ Daycare treatment

Covered, No such specific list of

daycare treatment

Good Health Incentives (Health check up

benefit)

Not Applicable

No claim discount on Premium

Not Applicable

Domiciliary treatment

Not Applicable

Income Tax Rebate

Applicable on Section 80-D of Income

Tax Act
Medical Check up compulsory to be
done after the age of 50 years

Pre Policy Check up

EXTRA FEATURES

Maternity, Newborn baby cover

Not Applicable

Infertility treatment cover

Not Applicable

Anti-rabies vaccination cover

Not Applicable

Medical second opinion

Not Applicable

Hospital cash benefit (per insured person,

per day)

Not Applicable

Ambulance expenses (per insured person, in

a policy year)

Not Applicable
PLUS FEATURES

Air Ambulance expenses

Not Applicable

Medical Emergency Reunion

Not Applicable

Vaccination for children

Not Applicable

Online Discount

5% on total premium for Fresh

Policies and 2.5% on total premium
for Renewals

Discount in lieu of No Maternity/Infertility

Cover for Individuals above 45

Not Applicable

Long Term Discount

Not Applicable

Post hospitalisation for Doctor's home visit

& nursing care

Not Applicable

Reinstatement of Sum Insured due to road

traffic accident

Not Applicable

OPTIONAL COVER ( BY PAYING ADDITIO

Pre-existing Diabetes & Hypertension

Optional, Up to the SI

Critical Illness

Out-patient treatment

COMPARISON OF 3 PARIVAR POLICIES

NATIONAL PARIVAR MEDICLAIM

POLICY

INR 1 Lac to 10 Lac in multiple of 1 Lakh.

Family includes Self, Spouse, Children & Parents

Lifelong
18-65 years
Age of the Insured Person plus Zone of taking the policy.
Classified into four Zones - Zone I, II,III,IV. Chennai comes
under Zone III
Co-payment of various percentages according to the Zone
where the treatment is taken . Not Applicable on Critical
Illness Cover and Outpatient Treatment if opted

Applicable

Covered upto the limit mentioned in the Table of Benefits

Applicable

Full Sum Insured subject to copayments and Tables of Sub

Limits for long term policy

Min 1 year.
BASIC FEATURES

Max 3 years

Allopathy/modern medcine, ayurveda , hemeopathy is

Covered
Expenses of hospitalisation of the Organ Donor upto the
Sum Insured during the course of transplant to the Insured
Person
Covered
Pre (30 days) and Post (60 days) Hospitalisation
Covered

Every 4 yrs., up to INR 5000

On Policies taken on yearly basis 5% discount on base

premium on renewal of next year. Policies with more than
one year the discount on every claim free year would be
aggregated and cumulatively given on renewal.

Up to 20% of SI, subject to maximum of INR 50,000

Applicable on Section 80-D of Income Tax Act
Medical Check up compulsory to be done after the age of
50 years and for opting Critical Illness pre-medical check up
irrespective of age. 50% of the Health Check up Costs to
be reimbursed on acceptance of the proposal.

EXTRA FEATURES

Up to 10% of SI subject to INR 30,000 in case of to INR

30,000 in case of INR 50,000 in case of caesarean section.

Up to INR 50,000
Up to INR 5,000

One MSO per family in a policy year

INR 300, max. of 5 days provided the hospitalisation

exceeds three days and claim is admissible

Up to INR 1,000/- per illness & INR 2,500/PLUS FEATURES

Not Applicable

Not Applicable

Not Applicable

5% on total premium for Fresh Policies and 2.5% on total

premium for Renewals

3% on Individual Premium

Policies for 2 years - 4% on the total premium and for 3

years - 7.5% on the total premium

Not Applicable

Not Applicable

TIONAL COVER ( BY PAYING ADDITIONAL COVER)

Optional, Up to the SI

Benefit amount - INR 2,00,000/ 3,00,000/

5,00,000/10,00,000 in addition to the SI

Limit of cover per family- INR 2,000/ 3,000/ 4,000/

5,000/10,000 in addition to the SI.

NATIONAL PARIVAR MEDICLAIM PLUS POLICY

INR 6 Lac to 50 Lac. Plan A - 6/7/8/9/10 Lac. Plan B 15/20/25 Lac. Plan C 30/ 40/ 50 Lac

Family includes Self, Spouse, Children & Parents/

Parents in laws
Lifelong
18-65 years
Age of the Insured Person plus Zone of taking the
policy. Classified into four Zones - Zone I, II,III,IV.
Chennai comes under Zone III
Co-payment of various percentages according to the
Zone where the treatment is taken . Not Applicable on
Critical Illness Cover and Outpatient Treatment if opted

Applicable

Covered upto the limit mentioned in the Table of

Benefits

Applicable

Full Sum Insured subject to copayments and Tables of

Sub Limits for long term policy

Min 1 year.

Max 3 years

Allopathy/modern medcine, ayurveda , hemeopathy is

Covered
Expenses of hospitalisation of the Organ Donor upto
the Sum Insured during the course of transplant to the
Insured Person
Covered
Pre (30 days) and Post (60 days) Hospitalisation
Covered
Plan A Every 2 yrs., up to INR 5,000 irrespective of
claims. Plan B Every 2 yrs., up to INR 7,500
irrespective of claims. Plan C Every 2 yrs., up to INR
10,000 irrespective of claims

5% discount on base premium.

Plan A Up to INR 1,00,000. Plan B Up to INR

2,00,000. Plan C Up to INR 2,00,000
Applicable on Section 80-D of Income Tax Act
Medical Check up compulsory to be done after the age
of 40 years and for opting Plan B/C and Critical Illness
pre-medical check up irrespective of age. 50% of the
Health Check up Costs to be reimbursed on
acceptance of the proposal.

Plan A Up to INR 30,000 for normal delivery and INR

50,000 for caesarean section. Plan B Actual. Plan C
Actual
Plan A Up to INR 50,000. Plan B Up to INR
1,00,000. Plan C Up to INR 1,00,000
Up to INR 5,000

Up to two MSO per family for each new diagnosis of

any of the major illnesses in Appendix II, in a policy
year.
Plan A INR 500, max. of 5 days. Plan B INR
1,000, max. of 5 days. Plan C INR 2,000, max. of 5
days provided the hospitalisation exceeds three days
and claim is admissible
Plan A Up to INR 2,500. Plan B Up to INR 4,000.
Plan C Up to INR 5,000

Plan A - Not Covered. Plan B- Up to 5% of SI. Plan C

- Up to 5 % of SI
Plan A - Not Covered. Plan B- No sublimit. Plan C No sublimit
Plan A - Up to INR 1,000. Plan B- Actual. Plan C Actual.

5% on total premium for Fresh Policies and 2.5% on

total premium for Renewals

3% on Individual Premium

5% discount on base premium.

Plan A - Not Covered. Plan B INR 1,000 per day,
max. of 10 days. Plan C INR 2,000 per day, max. of
10 days
Covered in all plan

Ist year - Up to 25% of SI. 2nd year - Up to 50% of SI.

3rd year - Up to 75% of SI

Benefit amount - INR 2,00,000/ 3,00,000/

5,00,000/10,00,000/15,00,000/20,00,000/25,00,000 in
addition to the SI
Limit of cover per family- INR 2,000/ 3,000/ 4,000/
5,000/10,000/15,000/20,000/25,000 in addition to the
SI.