National Insurance Company Limited

CIN - U10200WB1906GOI001713 IRDAI Regn. No. – 58

National Parivar Mediclaim Policy

Rate Chart
Rate (in ₹ )
Rate for senior most family member (without TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, entire state of Gujarat)
SI 3m - 5 6 - 17 18 - 25 26-35 36-45 46-55 56-59 60-65 66-70 71-75 76-80 81-85 86 +
1,00,000 4,269 4,680 5,806 8,555 10,903 12,161 14,007 16,282 17,201 18,764 23,967
2,00,000 5,734 5,906 8,098 13,031 16,547 19,376 23,661 27,021 29,491 32,549 34,390
3,00,000 6,944 7,153 9,984 14,899 19,515 22,340 26,359 36,561 41,115 45,842 48,904
4,00,000 7,797 8,367 11,614 17,676 21,201 26,020 31,261 45,444 52,021 58,599 63,119
5,00,000 8,563 9,360 13,153 19,804 22,451 29,001 35,349 54,540 62,317 70,894 76,987
6,00,000
Only dependents 9,265 10,358 14,737 21,639 23,967 32,543 38,964 62,435 72,017 82,700 90,473
7,00,000 9,995 11,392 15,911 24,441 27,086 34,895 41,811 68,343 80,521 93,364 1,02,911
8,00,000 10,699 12,484 17,164 26,028 27,780 36,520 44,167 72,199 88,832 1,08,863 1,20,038
9,00,000 11,294 13,659 18,229 27,459 29,559 41,328 47,478 75,406 96,707 1,25,525 1,38,448
10,00,000 11,863 14,369 20,073 28,995 31,770 44,078 51,048 77,990 1,04,337 1,43,459 1,56,796
Inclusive of GST

Rate for other family members (without TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, entire state of Gujarat)
SI 3m - 5 6 - 17 18 - 25 26-35 36-45 46-55 56-59 60-65 66-70 71-75 76-80 81-85 86 +
1,00,000 548 621 695 793 1,411 2,982 4,391 6,081 7,270 8,774 9,624 10,900 15,578
2,00,000 669 752 933 1,001 1,967 4,542 6,663 9,688 12,283 14,562 16,500 18,906 22,353
3,00,000 767 858 1,130 1,212 2,426 5,194 7,859 11,170 13,682 19,704 23,003 26,629 31,787
4,00,000 819 915 1,269 1,417 2,823 6,162 8,538 13,011 16,227 24,491 29,107 34,039 41,029
5,00,000 865 963 1,392 1,586 3,197 6,904 9,041 14,501 18,350 29,393 34,867 41,181 50,040
6,00,000 906 1,007 1,508 1,755 3,582 7,543 9,652 16,272 20,226 33,648 40,293 48,039 58,806
7,00,000 949 1,051 1,626 1,930 3,867 8,521 10,907 17,447 21,704 36,831 45,052 54,233 66,892
8,00,000 989 1,095 1,741 2,115 4,171 9,073 11,186 18,261 22,927 38,909 49,702 63,236 78,025
9,00,000 1,022 1,130 1,837 2,314 4,430 9,571 11,903 20,664 24,647 40,638 54,108 72,913 89,992
10,00,000 1,051 1,162 1,930 2,434 4,878 10,108 12,794 22,038 26,498 42,030 58,377 83,332 1,01,917
Inclusive of GST

Rate for senior most family member (with TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, entire state of Gujarat)
SI 3m - 5 6 - 17 18 - 25 26-35 36-45 46-55 56-59 60-65 66-70 71-75 76-80 81-85 86 +
1,00,000 4,525 4,961 6,154 9,068 11,557 12,890 14,847 17,260 18,233 19,890 25,404
2,00,000 6,077 6,260 8,583 13,812 17,540 20,538 25,081 28,643 31,261 34,501 36,453
3,00,000 7,362 7,583 10,583 15,792 20,685 23,679 27,940 38,755 43,582 48,592 51,837
4,00,000 8,266 8,869 12,310 18,737 22,473 27,581 33,136 48,171 55,143 62,115 66,907
5,00,000 9,075 9,920 13,943 20,992 23,798 30,743 37,469 57,812 66,055 75,148 81,605
6,00,000
Only dependents 9,820 10,980 15,620 22,938 25,404 34,496 41,302 66,180 76,338 87,663 95,901
7,00,000 10,595 12,075 16,867 25,909 28,712 36,989 44,321 72,443 85,353 98,965 1,09,085
8,00,000 11,341 13,234 18,194 27,591 29,447 38,711 46,818 76,530 94,162 1,15,396 1,27,241
9,00,000 11,971 14,477 19,323 29,106 31,331 43,808 50,327 79,931 1,02,509 1,33,057 1,46,754
10,00,000 12,573 15,230 21,278 30,734 33,676 46,721 54,111 82,670 1,10,596 1,52,067 1,66,203
Inclusive of GST

Rate for other family members (with TPA) for each policy year for Zone I (Greater Mumbai Metropolitan area, entire state of Gujarat)
SI 3m - 5 6 - 17 18 - 25 26-35 36-45 46-55 56-59 60-65 66-70 71-75 76-80 81-85 86 +
1,00,000 581 658 736 840 1,495 3,161 4,654 6,445 7,707 9,301 10,202 11,553 16,513
2,00,000 710 798 989 1,061 2,086 4,814 7,063 10,268 13,019 15,437 17,490 20,041 23,694
3,00,000 813 910 1,198 1,285 2,572 5,505 8,330 11,840 14,503 20,886 24,384 28,226 33,695
4,00,000 868 969 1,344 1,503 2,992 6,532 9,049 13,792 17,201 25,961 30,852 36,081 43,489
5,00,000 917 1,021 1,477 1,682 3,389 7,317 9,584 15,371 19,450 31,156 36,958 43,652 53,045
6,00,000 961 1,067 1,599 1,860 3,796 7,996 10,231 17,248 21,439 35,666 42,711 50,921 62,336
7,00,000 1,005 1,115 1,724 2,046 4,098 9,031 11,563 18,494 23,005 39,041 47,755 57,486 70,905
8,00,000 1,048 1,161 1,844 2,243 4,421 9,618 11,859 19,356 24,303 41,243 52,683 67,030 82,706
9,00,000 1,083 1,198 1,948 2,453 4,696 10,146 12,617 21,904 26,124 43,076 57,355 77,289 95,391
10,00,000 1,115 1,232 2,046 2,581 5,171 10,713 13,561 23,362 28,089 44,552 61,879 88,331 1,08,033
Inclusive of GST

Discount in premium for other zones

Zone Region Discount
II National Capital Territory (NCT) Delhi and National
Capital Region (# NCR), Chandigarh, Pune 4.44%
III Chennai, Hyderabad, Bangalore, Kolkata 11.11%
IV Rest of India 20.00%
# NCR includes Gurgaon-Manesar, Alwar-Bhiwadi, Faridabad-Ballabgarh, Ghaziabad-Loni, Noida, Greater Noida, Bahadurgarh, Sonepat-
Kundli Charkhi Dadri, Bhiwani, Narnaul

National Insurance Co. Ltd. National Privar Mediclaim Policy

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Regd. & Head Office: 3, Middleton Street, Kolkata 700071 UIN: NICHLIP21219V022021
Optional cover

Rate for Critical Illness (rates per individual in ₹ )

Age 2,00,000 3,00,000 5,00,000 10,00,000
18-25 439 657 1,096 2,192
26-35 763 1,145 1,908 3,816
36-45 1,414 2,119 3,533 7,066
46-55 2,616 3,925 6,541 13,081
56-59 3,787 5,679 9,466 18,931
60-65 5,479 8,219 13,697 27,396
66-75 11,211 16,816 28,027 56,056
76-85 24,909 37,364 62,272 1,24,544
86+ 55,643 83,465 1,39,109 2,78,217
Inclusive of GST
Note: Critical Illness Benefit Amount should not be more than the sum insured opted under the Policy

Rate for Outpatient Treatment (rates per family in ₹ )

Cover 2,000 3,000 4,000 5,000 10,000

Premium 1,416 2,124 2,832 3,540 7,080
Inclusive of GST

Rate for Pre-existing diabetes / hypertension

Cover Loading on base premium Copayment
Pre-existing diabetes or 13.5% loading on base 10% copayment on admissible claim amount for
Hypertension premium diabetes or hypertension claims
Pre-existing diabetes and 30% loading on base 25% copayment on admissible claim amount for
Hypertension premium diabetes or hypertension claims
Inclusive of GST. Loading applicable on rates with/ without TPA, as opted by insured

Discounts
No Claim Discount – 5% on base premium for each claim free Policy Year (aggregated for each year and available on renewal)
Online discount 5% on base premium for new policy, 2.5% on base premium for renewal
Discount in Lieu of no Maternity/ Infertility cover for individuals above forty five years - 3% on individual premium

Above discounts will not apply on premium for Optional Covers

Long term discount

Policy with a term of two policy years - 4% on the total premium for two years (including premium for optional covers)
Policy with a term of three policy years- 7.5% on the total premium for three years (including premium for optional covers)

Copayment
Treatment outside zone
a. Insured paying premium as per Zone I can avail treatment in Zone I,
Zone II, Zone III and Zone IV without copayment
b. Insured paying premium as per Zone II
a. Can avail treatment in Zone II, Zone III and Zone IV
without any copayment
b. Availing treatment in Zone I will be subject to a copayment
of 5%
c. Insured paying premium as per Zone III
a. Can avail treatment in Zone III and Zone IV without any
copayment
b. Availing treatment in Zone I will be subject to a copayment
of 12.5%
c. Availing treatment in Zone II will be subject to a copayment
of 7.5%
d. Insured paying premium as per Zone IV
a. Can avail treatment in Zone IV without any copayment
b. Availing treatment in Zone I will be subject to a copayment
of 22.5%
c. Availing treatment in Zone II will be subject to a copayment
of 17.5%
d. Availing treatment in Zone III will be subject to a copayment
of 10%
Treatment outside network (10% for Policies with TPA Option)
Above copayments shall not be applicable on Critical illness & Outpatient treatment optional covers, but shall apply on
Pre existing diabetes and/ or hypertension optional cover.

No loading shall apply on renewals based on individual claims experience

Insurance is the subject matter of solicitation

National Insurance Co. Ltd. National Privar Mediclaim Policy

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Regd. & Head Office: 3, Middleton Street, Kolkata 700071 UIN: NICHLIP21219V022021