India's families need health insurance that covers everyone — parents, spouse, children — under a single shared sum insured. NNPMP is the insurer's dedicated family floater policy: one premium, one SI pool for the whole family, with 75-day post-hospitalisation (the longest in the insurer's health portfolio), domiciliary hospitalisation, maternity + infertility, hospital cash, anti-rabies vaccination, and the unique DM/HTN Day-1 optional cover for families with diabetes or hypertension.
the insurer Health· Full Policy Wording Fetched
"Parivar Mediclaim Policy is an indemnity floater health insurance, covering the members of a family under a single sum insured. The Policy covers expenses in respect of inpatient treatment (allopathy, ayurveda and homeopathy), domiciliary hospitalisation, reasonably and customarily incurred for treatment of a disease or an injury contracted/sustained during the policy period. The Policy also covers pre hospitalization and post hospitalization expenses, 140+ day care procedures/surgeries, organ donor's medical expenses, hospital cash, ambulance charges, anti rabies vaccination, maternity expenses, infertility expenses and reinstatement of sum insured."
Single SI shared across ALL family members — parents, spouse, children — without sub-limits per person. The floater SI refreshes every policy year. Any family member can use the full SI in any year. No "per person" cap diluting coverage when one member has a big claim.
Floater Basis"The Company shall indemnify the Medical Expenses incurred up to seventy five (75) days immediately after the insured person is discharged from hospital." NMP: 60 days. NYIMP: 60 days. NNPMP: 75 days — uniquely the longest post-hospitalisation window in the insurer's entire health portfolio.
75 DaysHome-based treatment covered when patient cannot be moved to hospital OR when no hospital bed is available. Covers inpatient-equivalent treatment at home. Excluded: treatment under 3 days, maternity/infertility, and 10 specific diseases (asthma, epilepsy, diarrhoea, etc.).
Unique in NNPMP vs NMP/NYIMP"Covering of pre-existing Diabetes/Hypertension (as Floater) from Day 1." The only the insurer health product where an optional add-on covers existing diabetes and hypertension from Day 1 — eliminating the 48-month PED wait for these conditions. With co-pay: 10% (DM only) / 10% (HTN only) / 25% (both). After 36 months: no co-pay, no extra premium.
DM/HTN Day 1 — Unique in the insurer"The Company shall indemnify the Medically Necessary Expenses incurred for anti-rabies vaccination up to the limit as shown in the Table of Benefits. Hospitalisation is not required for vaccination." One of the few NNPMP benefits not requiring hospitalisation — animal bite vaccination covered directly.
No Hospitalisation Needed"The Company shall pay to the insured a daily Hospital Cash Allowance up to the limit as shown in the Table of Benefits for a maximum of five days, provided the Hospitalisation exceeds three days." Paid from Day 4 to Day 8. Non-medical expenses supplement for longer hospital stays.
Days 4–8· Max 5 DaysPolicy Wording Definition 2.52· Floater Basis Explained· Single SI Pool
"Floater Basis means the Sum Insured, as mentioned in the Schedule, available to all the insured persons, for any and all claims made in the aggregate during each Policy Year." NNPMP is a pure floater policy — the entire SI is a shared pool that any family member can draw from, in any combination, across the policy year.
Policy Wording Definition 2.20 +· Family Members· Entry Age· Pre-Medical
"Family Members means spouse, children and parents of the insured, covered by the Policy." NNPMP is designed for the nuclear Indian family unit — proposer, spouse, children, and parents all under one floater SI.
| Parameter | NNPMP Specification | Notes |
|---|---|---|
| Family Members | Proposer + Spouse + Children + Parents | All on floater basis. "Spouse, children and parents of the insured." |
| Proposer Age | 18–65 years (standard the insurer) | Lifelong renewability after entry. No upper age limit on renewal. |
| Children | 3 months — 18 years (dependent) | Children covered as dependents. Mid-term inclusion allowed on pro-rata premium. |
| Sum Insured Options | ₹1L / ₹2L / ₹3L / ₹4L / ₹5L / ₹6L / ₹7L / ₹8L / ₹9L / ₹10L | 10 options. Reinstatement: ₹6L and above. CB: 5%/year up to 50% of basic SI. |
| Policy Period | 1 Year / 2 Years / 3 Years | Long-term discount available for 2/3 year policies. |
| Premium Payment | Annual / Quarterly / Half-Yearly | "Premium for the Policy may be paid in instalments of Quarterly or Half Yearly, as opted." |
| Pre-Medical Check-Up | Standard the insurer rules | Age 50+: pre-medical required for first-time buyers. Waived if existing the insurer retail health policyholder (3+ years). |
| New Born Baby | Covered from birth under maternity SI (3 months) | Mid-term inclusion at 3 months on requisite premium. "New Born Baby means baby born during the policy period aged up to 90 days." |
Policy Wording Sections 3.1.1–3.1.17+· All Benefits on Floater Basis
NNPMP is the most comprehensive standard health product in the insurer's portfolio for family coverage. All benefits apply on floater basis — the shared SI covers all listed sections across the policy year.
Room charges, ICU, nursing, RMO, surgeon/consultant/anaesthetist fees, blood/oxygen/OT, surgical appliances, medicines, diagnostics, internally implanted prosthetics. Plus: dental (accident-caused), plastic surgery (disease/injury), hormone replacement (medically necessary), vitamins/tonics (treatment), circumcision (treatment-necessitated). Room rent sub-limits per Table of Benefits; waived at PPN for listed procedures.
Comprehensive· Sub-Limits Apply"The Company shall indemnify the Medical Expenses incurred up to forty five (45) days immediately before the insured person is hospitalised." Same condition as hospitalisation required. Pre-hospitalisation is part of the hospitalisation claim.
45 Days· Same Condition"The Company shall indemnify the Medical Expenses incurred up to seventy five (75) days immediately after the insured person is discharged from hospital." 75 days = longest post-hospitalisation window in the insurer's entire health portfolio. NMP: 60 days. NYIMP/: 60 days. ASP: 60 days. NNPMP: 75 days.
75 Days — Longest in the insurer ⭐"The Company shall indemnify the Medical Expenses (including Pre and Post Hospitalisation Expenses) for Day Care Treatments requiring Hospitalisation as an In-Patient for less than 24 hours undergone by the Insured Person in a Hospital/Day Care Centre." All 140+ day care procedures covered up to SI.
140+ Procedures· Up to SI"The Company shall indemnify Medical Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Period up to the limit of Sum Insured."
Full SI· Any AYUSH Hospital"The Company shall indemnify the Medical Expenses incurred in respect of an organ donor's Hospitalisation during the Policy Period for harvesting of the organ donated to an Insured Person." Donor's harvesting hospitalisation covered; pre/post hospitalisation of donor excluded; organ acquisition costs excluded.
Harvesting Hospitalisation Only"The Company shall pay to the insured a daily Hospital Cash Allowance up to the limit as shown in the Table of Benefits for a maximum of five days, provided the Hospitalisation exceeds three days. Hospital Cash shall be payable for each day from the 4th day of Hospitalisation up to the 8th day of Hospitalisation only." No hospitalisation under 24 hours qualifies.
Days 4–8 Only· ≥3-Day HospTransportation to hospital, hospital-to-hospital transfer, hospital to diagnostic centre and return — covered up to Table of Benefits limit. Only admissible when an inpatient hospitalisation claim under Section 3.1.1 has been admitted.
Emergency + Transfer"The Company shall indemnify the Medically Necessary Expenses incurred for anti-rabies vaccination up to the limit as shown in the Table of Benefits. Hospitalisation is not required for vaccination." One of the few NNPMP benefits payable WITHOUT hospitalisation — animal bite treatment covered directly.
No Hospitalisation Required ⭐Inpatient care, pre-hospitalisation, and post-hospitalisation expenses for all three stages of HIV infection: acute infection (flu-like symptoms), clinical latency (asymptomatic/mild), and AIDS (CD4 < 200). Waiting period applies.
All 3 Stages· Waiting PeriodInpatient care at a hospital with a dedicated mental illness department, under a qualified Psychiatrist (or AYUSH equivalent as specified in Section 3.1.xx). Depression and Schizophrenia: 2-year waiting period. Counselling/psychotherapy without hospitalisation: excluded.
Inpatient· Psychiatrist Req.12 modern treatments covered at 25% of SI per treatment per policy period: Robotic Surgery, HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy (Monoclonal Antibody), Intravitreal Injections, Stereotactic Radio Surgery, Bronchial Thermoplasty, Prostate Laser (Green/Holmium), IONM, Stem Cell Therapy.
25% SI Each· 12 NamedSurgical treatment of obesity: BMI ≥40, or BMI ≥35 with severe co-morbidities (cardiomyopathy, CHD, severe sleep apnea, uncontrolled T2D). Waiting period: 3 years. "Hospitalisation expenses, incurred for surgical treatment of obesity.subject to Waiting Period of three (03) years." NNPMP: 3-year wait vs NYIMP's 4-year wait.
3-Year Wait — Better than NYIMPCorrection of refractive error ≥7.5 dioptres — inpatient, pre and post-hospitalisation expenses covered. "Subject to Waiting Period of two (02) years." Standard 2-year wait consistent with other the insurer health products.
≥7.5D· 2-Year WaitPolicy Wording Section 3.1.11· 36-Month Wait· Newborn from Birth· Infertility Included
"The Company shall indemnify Maternity Expenses as described below for any female Insured Person, and also Pre-Natal and Post-Natal Hospitalisation expenses per delivery, including expenses for necessary vaccination for the New Born Baby, subject to the limit as shown in the Table of Benefits. The female Insured Person should have been continuously covered for at least 36 months before availing this benefit."
"Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization)." Female insured (or spouse of male insured): covered. 36-month continuous coverage wait. Pre-natal and post-natal hospitalisation per delivery included.
36-Month Wait· Any Delivery"Expenses towards lawful medical termination of pregnancy during the Policy Period." Medically necessary termination (MTP Act compliant): covered. 36-month wait applies. Ectopic pregnancy: covered under Section 3.1.1 (inpatient) — not subject to maternity sub-limit.
MTP Covered· 36M Wait"The New Born Baby shall be automatically covered from birth under the Sum Insured available to the mother during the corresponding Policy Period, for up to 3 months of age. On attaining 3 months of age, the New Born Baby shall be covered only if specifically included in the Policy mid-term and requisite premium paid to the Company."
Auto from Birth· Mid-Term at 3M"Including expenses for necessary vaccination for the New Born Baby." Vaccination expenses for the newborn included within the maternity benefit limit. Standard childhood vaccination costs covered without separate claim or hospitalisation requirement.
Within Maternity Benefit Limit"Infertility expenses." Infertility treatment (IVF, IUI, and assisted reproductive procedures) is included in NNPMP's base policy — not an add-on. "Infertility Treatment Cover" Waiting period applies; confirm specific terms with Probitas at 022 4302 0000.
In Base Policy — Not Add-OnKey exclusions: Female insured must be continuously covered for 36 months before availing. Domiciliary hospitalisation: explicitly excluded for maternity/infertility. Surrogacy: excluded. Existing 2+ living children may restrict coverage — confirm with Probitas. Ectopic pregnancy: covered under inpatient (not maternity).
36M Wait· No DomiciliaryPolicy Wording Section 3.1.4· 10 Exclusion Diseases· Absent in NMP/NYIMP/NSTUMP
"Domiciliary Hospitalisation means medical treatment for an illness/injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home under any of the following circumstances: (i) the condition of the patient is such that he/she is not in a condition to be removed to a hospital, or (ii) the patient takes treatment at home on account of non availability of bed/room in a hospital."
3 Optional Add-Ons· DM/HTN Day 1 is Unique in the insurer's Entire Portfolio
"Customer can go for add on covers, on payment of additional premium, like covering of pre-existing Diabetes/Hypertension (as Floater) from Day 1, Out-patient Treatment (as Floater in a policy year) and Critical Illness (per insured person in a policy year)." These three optional covers are add-ons on payment of additional premium.
Optional Add-On 1
Pre-existing DM and/or HTN — Day 1 CoverageOptional Add-On 2
Out-Patient Treatment (OPD Cover)Optional Add-On 3
Critical Illness — Per Insured Person+ Policy Wording· Floater SI ₹6L+· Once per Policy Year
"Reinstatement of sum insured." NNPMP reinstatement is available for floater Basic SI of ₹6 Lakhs and above — one step above NYIMP's ₹5L threshold. Once per policy year; not for the same illness; not for 11 defined Critical Illnesses. Reinstated SI is not carried forward to the next year if unused.
Every 3 Claim-Free Years· Over and Above SI· ₹3,000 or ₹6,000
"Health Check up reimbursement (as floater) for every 3 claim free years limited to INR 3000 (for SI 1-5 Lakhs) and INR 6000 (for SI 6-10 Lakhs)." This benefit is payable OVER AND ABOVE the Sum Insured — it doesn't eat into the floater SI pool. As a floater, the entire family can use the ₹3,000/₹6,000 for health check-ups collectively.
48-Month PED· Specific Disease Waits· Maternity 36 Months
"All pre-existing diseases included after first forty eight months (48) of Policy." At 48 months, NNPMP's PED wait is the same as NMP and ASP — and longer than NYIMP/ (36 months) or NSTUMP (12 months). The DM/HTN Day 1 optional add-on is the only way to reduce this wait for diabetes and hypertension specifically.
3 Discount Types· Co-Pay Discount· Online· Long-Term
"Various discounts can be availed for choosing co-payment, on purchasing the policy online (without intermediary) and for choosing to buy a long term policy." No mandatory co-payment for non-network hospitalisation. Voluntary co-pay unlocks a discount.
"Various discounts can be availed for choosing co-payment." Choosing a voluntary co-payment percentage on claims gives a premium discount. The higher the co-pay chosen, the larger the discount. Confirm exact tiers with Probitas at 022 4302 0000.
"On purchasing the policy online (without intermediary)." Purchase NNPMP online directly through the insurer without an intermediary: discount applies on total premium. Same structure as NYIMP's 10% online discount.
"For choosing to buy a long term policy." NNPMP can be purchased for 2 or 3 years. Long-term discount applied to the total premium. Locks in coverage and protects against annual premium rate increases.
Premium paid for NNPMP qualifies for deduction under Section 80D of the Income Tax Act 1961. ₹25,000 for self/family under 60; ₹50,000 for senior citizens. Additional deduction for parents' premium.
"No co-payment needs to be paid if treatment is taken in a non-network hospital." Unlike ASP's mandatory 5% co-pay, NNPMP has NO mandatory co-payment — even at non-network hospitals. Full admissible claim paid without deduction.
5% of Floater Basic SI per claim-free year, max 50%. After 10 claim-free years: ₹10L SI effectively becomes ₹15L. On a claim year: CB reduces by 5%. Basic SI never reduces — only CB is affected.
Policy Wording +· Standard Exclusions + Domiciliary-Specific
All non-accident illness claims excluded in first 30 days. Accident claims from Day 1. Continuous renewals: 30-day wait not applicable.
Pre-existing conditions excluded for 48 months from policy inception. Exception: DM/HTN covered from Day 1 with optional add-on. All PEDs must be declared at proposal.
Asthma, bronchitis, epilepsy, diarrhoea, influenza, arthritis, gout, rheumatism, nephritis, tonsillitis — excluded from domiciliary hospitalisation even when patient cannot be moved. Covered in hospitals.
Maternity expenses excluded until 36 months of continuous coverage. Infertility: waiting period applies. Domiciliary maternity: specifically excluded. Surrogacy: excluded.
Gender reassignment, cosmetic surgery, aesthetic procedures: excluded. Reconstructive surgery for accident/disease: covered.
Medical treatment received outside India: excluded. Only treatment at hospitals within India is covered under NNPMP.
Conditions from alcohol/drug abuse. Intentional self-harm. War, civil unrest, nuclear-related injuries. Standard universal exclusions.
Counselling, group therapy, psychotherapy without hospitalisation: excluded. Psychiatric inpatient under qualified psychiatrist: covered. OPD treatment: excluded unless OPD add-on purchased.
the insurer· Cashless + Reimbursement· 72-Hour/24-Hour Intimation· All-Documents Within 15 Days
Check NNPMP policy schedule for TPA name. For planned admission: intimate 72 hours prior. For emergency: intimate within 24 hours. Cashless available at network hospitals. At PPN hospitals: sub-limits waived for listed procedures. Non-network: reimbursement basis; no mandatory co-pay.
Hospital's insurance desk submits cashless request with diagnosis, proposed treatment, and estimated cost. TPA authorises up to policy limits. If DM/HTN add-on is active: declare it on the cashless form — 10% or 25% co-pay applies on the DM/HTN-related portion of the claim. Check PPN status for sub-limit waiver on listed procedures.
Pay bills at discharge. Collect: discharge certificate/summary, all original bills, investigation reports, prescriptions, Claim Form Part A and Part B. Submit to TPA within 15 days of discharge. Pre-hospitalisation: submit within 15 days of completion of pre-hospitalisation treatment. Post-hospitalisation: submit within 15 days of 75-day post-hospitalisation period.
For domiciliary hospitalisation claims: obtain a medical certificate from the treating doctor stating that the patient could not be moved to hospital (or hospital bed unavailability certificate from the hospital). Confirm the condition is NOT in the 10 excluded disease list. Treatment must be for minimum 3 days. Submit all prescriptions, purchase receipts, and medical certificates within 15 days of completion of treatment.
Anti-rabies vaccination after an animal bite: submit vaccination receipts and medical advice (prescription) directly without a hospitalisation claim. This is one of the few NNPMP benefits payable without an associated inpatient claim. Submit within 15 days of vaccination. Limit as per Table of Benefits.
If the claim is related to a DM or HTN condition and the optional add-on is active: declare this at cashless authorisation stage. Co-pay (10% DM / 10% HTN / 25% both) is applied at settlement. Keep proof of the add-on in the policy schedule. After 36 months continuous coverage with the add-on: co-pay is removed — confirm removal with Probitas at 022 4302 0000 before your first claim in year 4.
New Parivar Mediclaim Policy — Frequently Asked Questions
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By submitting you agree to our Privacy Policy and Terms & Conditions. New Parivar Mediclaim Policy (NNPMP)· the insurer· IRDAI Family floater basis. SI ₹1L–10L. Maternity: 36-month wait. PED: 48 months (DM/HTN: Day 1 with add-on). Post-hosp: 75 days. Reinstatement: ₹6L+ floater SI. CB: 5%/year max 50%. Health check-up: every 3 claim-free years. Domiciliary: 10 excluded diseases. DM/HTN add-on: co-pay 10%/10%/25% for first 36 months. All terms per NNPMP policy wording. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.