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National Insurance Parivar Mediclaim Policy

National Insurance Parivar Mediclaim Policy
National Insurance Parivar Mediclaim Policy

Aaj ke is Article National Insurance Parivar Mediclaim Policy me aapka swagat hai. Dosto apna parivar hamari sabse pahle jimmedari honi chahiye. Aapka parivaar hi aapki sabse badi punji hai. Jab hamare upar koi musibat aati hai to sabse pahle hamara parivaar hi hamare saath Khada hota hai. Is liye hame apne parivaar ke baare me sabse pahle sochana chahiye.

SBI  General Health insurance policy Hindi Details 

Apne Parivaar ke liye kya karen

Vaise to ham apne family ke liye bahut kuchh karte hai. Lekin agar aap apni family ke health ke baare me kuchh nhi karte to aapki family ke liye ki gai sabhi chije bekar hai. Kaha gya hai health hi sabkuchh hota hai. Isliye agar aap apni family ke liye kuchh karna chahte hai to sabse pahle unke health ke liye kijiye. Iske liye aap unke liye Health Insurance Policy Le sakte hai.

Kyu jaruri hai Health Insurance

Jab ham koi car kharidate hai to uske baare me sochate hai ki accident ho jaayega to kya hoga. Aur iske liye ham car insurance karate hai. Kyuki hame apne vehicle ki fikra hoti hai aur uski suraksha karna chahte hain. Jab aap apne car ki itni chinta karte hai to apne family ke liye kyu nhin. Family me koi suddenly bimar ho jata hai to ekdam se aaye is musibat ke liye financial problems aa jati hai. Aise me family ke liye liya gya health insurance aapke liye sanjeevani ka kaam krta hai.

Hamare dwara liya gya family health insurance hamari to financial protection to deta hi hai saath me family ke health protection me bhi help karta hai. Iske liye aap National Insurance ka Parivaar Mediclaim Policy le sakte hai jo bahut hi badhiya family health cover dene vala Health insurance policy hai. Ye health policy single sum me pure family ko health cover deta hai.

Term for Family Medclaim policy

1. Policy me parivaar ke kam se kam do member ko cover kiya jaana chahiye.
2. Clint ki age 18 se 65 saal ke beech hona chahiye.
3. Parivar ke sabhi members ki adhikatam age 65 years hona chahiye.
4. 3 months se lekar 18 saal ke umra ke bachcho ko coverage milega agar unke mata pita ne coverage le rakha hai.

Sum Assured

1. Beema ki rashi 1 lakh se 10 lakh ke bich ho sakti hai. Beema rashi ek lakh ki multiple hoti hai.
2. Beema rashi floater par hogi aur ye sabhi member par lagu hoti hai.

Benefits of Policy

* Floater rashi ki range indian rupees me – 1 lakh/2/3/4/5/6/7/8/9/10 lakh me hoti hai.
* Lower rated zone ke liye discount ke sath zone wise ratings di jaati hai.
* Prospects ki age 18 se 65 saal ki honi chahiye.
*Policy ko lifetime ke liye renew kiya ja sakta hai aur 3 se 3 saal ke liye long term cover liya jaa sakta hai.
* Beema me Allopathy Ayurvedic aur Homeopathic treatment ke liye pura cover milta hai.

Coverage

* Hospital me bharti hone par pura coverages milta hai sath hi bharti hone ke 30 din pahle aur 60 din baad ka bhi coverage milta hai.

Other Benefits

-140 se jyada dino tak operation ke dauran huye kharche cover hote hai.
-Delivery ya legal mtp karane ke kharche cover hote hai.
-New baby hone ke kharche cover hote hai.
– New Born baby Vaccinations
-Ambulance charges
-Infertility treatment cover
-Anti Rebis vaccines
-Argan donates spent
– Advance 5 dino ke hospital kharch

Important Benefits

*Policy ke lagatar char saal complete hone par hi pahle se jo bimariya hai o cover hogi
*88 se jyada badi bimariyon ke liye duniya ke pramukh medical centres me second opinion covers hoti hai.
*Ye policy cashless facilities provide karti hai sath hi kisi bimari ya ghayal hone par iske ilaj ke liye bharti hone par hospitalization ke liye re imbrusment ki facility available karti hai.

Good Health Incentive

*Pratek no claim year ke liye 5 percent no claim discount milta hai.
Lagatar 4 years tak no claim pure hone par health checkup free hota hai.

Alternative Coverage

*Pahle se hi dibetease aur hypertension cover hota hai.
*8 written disease ke liye critical illness cover milta hai.
*Family ke sabhi members ka alag alag pre policy checkup jaruri hota hai.

Portability option

Agar aap apni policy ko kisi aur insurance company me port karvana chahte hai to us company ki saari janajatiyon ke sath apply karna hoga. Aisa us policy ke kam se kam uske expired hone ke 45 din pahle krna hoga.

Grace Period

Premium due date ke baad 30 days ka time diya jata hai. Is dauran premium jama karke policy Renew karaya ja sakta hai. Jis time period me premium prapt nhin hoga us period me cover nhin milega.

Free Look Period

Policy ke starting me hi 15 din ka free look period diya jata hai is dauran agar aapko policy pasand nhi asti hai to aap policy ko return kar sakte hai. Isme jo premium aapne diya hai usme medical jaanch aur stamp duty par huye kharch ko kaatkar rashi lauta di jaati hai.

Tax Benefits

Is policy me hame 1961 ke section 80D ke tahat tax me fayda milta hai.

*Plan A isme 6 lakh aur iske multiple me policy le sakte hai.
Plan B me 15 lakh se 20/25lakh tak ke policy le sakte hai.
Plan C me 30lakh se 40/50 lakh tak ka coverage le sakte hai.

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