National Insurance health policies

Policy wording-backed health catalogue

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NNPMP · UIN NICHLIP25037V022425

New National Parivar Mediclaim Policy

family-floater

A family-floater indemnity policy with hospitalisation, day-care, domiciliary, AYUSH and specified additional benefits, all subject to the policy wording and schedule.

  • Floater cover with INR 1 lakh to INR 10 lakh sum insured options. (p.21)
  • Pre- and post-hospitalisation periods are 45 and 75 days respectively. (p.21)
  • Includes maternity after 36 months' continuous cover, subject to limits and conditions. (p.6)
  • Reinstatement is available for basic sum insured of INR 6 lakh and above, subject to conditions. (p.9)

NSTUMP · UIN NICHLIP24154V042324

National Super Top Up Mediclaim Policy

individual · family-floater · super-top-up

A super-top-up indemnity policy on individual or floater basis that responds after cumulative eligible medical expenses exceed the scheduled threshold, subject to the wording.

  • Available on individual or floater basis. (p.1)
  • Claims operate after cumulative medical expenses exceed the scheduled threshold. (p.1)
  • PED cover uses a 12-month wait followed by staged claim percentages. (p.9)
  • Pre- and post-hospitalisation periods are 30 and 60 days. (p.5)

NMP · UIN NICHLIP25036V082425

National Mediclaim Policy

individual

An individual hospitalisation indemnity policy with defined broad-head sub-limits, day-care, AYUSH and other specified benefits, subject to the wording and schedule.

  • One-year individual indemnity policy. (p.4)
  • Pre- and post-hospitalisation periods are 45 and 60 days. (p.6)
  • Room and ICU daily limits are 1% and 2% of sum insured, with stated rupee caps. (p.5)
  • Reinstatement is available for basic sum insured of INR 6 lakh and above, subject to conditions. (p.7)

NSCMP · UIN NICHLIP25040V042425

National Senior Citizen Mediclaim Policy

individual · family-floater · senior-citizen

A senior-citizen hospitalisation policy offered on individual or insured-and-spouse floater basis, with Plan A and Plan B variants and applicable co-payments.

  • Designed around the wording's definition of senior citizen as age 60 or above. (p.5)
  • Available on individual basis or as a floater for the insured and spouse. (p.1)
  • PED waiting period is 24 months. (p.10)
  • Plan B includes conditional road-traffic-accident reinstatement. (p.8)

NMPP Individual · UIN NICHLIP25038V032425

National Mediclaim Plus Policy

individual · mediclaim-plus

An individual mediclaim-plus policy with three plan variants, hospitalisation and specified additional benefits; limits vary by plan and the schedule governs.

  • Individual cover is offered under Plans A, B and C with different sum insured and benefit limits. (p.18)
  • Pre- and post-hospitalisation periods are 30 and 60 days. (p.18)
  • Maternity is covered after 24 months, subject to plan-specific limits and conditions. (p.18)
  • Claim-free cumulative bonus accrues at 5%, capped at 50%. (p.7)

NPMPP · UIN NICHLIP25039V032425

National Parivar Mediclaim Plus Policy

family-floater · mediclaim-plus

A family-floater mediclaim-plus policy with three plan variants, hospitalisation, domiciliary and specified family benefits; plan limits and the schedule govern.

  • Family-floater cover is offered under Plans A, B and C. (p.22)
  • Floater sum insured options range from INR 6 lakh to INR 50 lakh depending on plan. (p.22)
  • Pre- and post-hospitalisation periods are 30 and 60 days. (p.22)
  • Conditional road-traffic-accident reinstatement is included. (p.9)
National Insurance Health Policy Catalogue | Swarnadip Sarkar