National Insurance National Parivar Mediclaim policy vs HDFC Ergo myHealth Suraksha Platinum
Introduction
Before we start comparing these two policies we have to set out some ground rules.
Both products are marketed by different insurance companies. National Parivar Mediclaim policy is sold by National Insurance and myHealth Suraksha Platinum is sold by HDFC Ergo. So any meaningful comparison should include a comparison of the product alongside the insurers themselves.
Second, we know that both products have massive differences in their core structure. National Parivar Mediclaim policy is quite basic. It offers little protection and may not be entirely suitable if you are looking for robust protection. However, myHealth Suraksha Platinum is more comprehensive. It covers a lot more use cases and doesn’t have any egregious conditions. So fundamentally, they’re two very different products.
And finally, any comparison is ultimately futile without considering the use case. Who are you buying this policy for? You, your family, your parents?
That’s something you’ll need to answer before using this guide. So with that introduction out of the way, we can get to comparing the actual policies themselves.
Let’s start with National Parivar Mediclaim policy. The product comes from National Insurance’s stable:
National Insurance is the country's oldest general insurance firm and is wholly owned by the Government of India. That means, despite a claim settlement ratio of 93% and over 3,200 network hospitals it can be a bit difficult to reach the insurer when you need them the most. Perhaps due to the fact that they are still a public sector enterprise.
myHealth Suraksha Platinum meanwhile comes from HDFC Ergo