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New India Mediclaim policy is available to persons between the age of 18 years and 65 years.
New India Mediclaim policy is available to persons between the age of 18 years and 65 years. Children are also covered under the policy from age of 3 months to 25 years provided they are financially dependent. Lifelong renewal is available provided the policy is renewed on time. The Proposer can choose Sum Insured from Rs. 1,2, 3, 5, 8, 10, 12 and 15 Lakhs (4,6,7 Lakh Sum Insured bands are only available for renewals). Insured persons will be covered under a single dedicated Sum Insured.
Highlights of this Policy
Cumulative Bonus @25% SI for claim free year with Max 50% of SI.
Health Check Up for every 3 claim free years
New Born Baby cover
Cataract, up to 20% of Sum Insured or Rs. 50,000, whichever is less, for each eye.
Ayurvedic / Homeopathic / Unani treatments are covered, up to 25% of the Sum Insured
Medical Expenses for Organ transplant are payable.
Ambulance Charges at the rate of 1% of the Sum Insured.
Hospital Cash at the rate of 0.1% Sum Insured per day, up to a maximum of 1% Sum Insured.
For Pre Existing Diseases Waiting period is 48 Months as per clause 4.1 of the policy document
For specified diseases waiting period is 24 months as per clause 4.3.1 of the policy document
139 Day Care procedures are covered under this policy
Optional Cover I: No Proportionate Deduction
Optional Cover II: Maternity Expenses Benefit for Sum Insured 5 Lakhs and Above (Maximum of 10% of the average SI of the Insured Person in the preceding three years)
Optional Cover III: Revision in Limit of Cataract (For 8 Lakhs & above SI revised limit for Cataract will be 10% of the Sum Insured)
Optional Cover IV: If Voluntary Co-Pay of 20% is chosen then 15% discount on premium will be given on the premium payable for the Insured person
Covered 139 day care treatment
139 Day Care procedures are covered under this policy
Covered Upto 1% of the Sum Insured
Ambulance Charges at the rate of 1% of the Sum Insured
Covered Up to 25% of the Sum Insured
Ayurvedic / Homeopathic / Unani treatments are covered, up to 25% of the Sum Insured
Covered Up to 20% of Sum Insured
Cataract, up to 20% of Sum Insured or Rs. 50,000, whichever is less, for each eye
Covered
Family Covered in this Policy
48 Months
Pre Existing Diseases Waiting period is 48 Months
Covered for every 3 claim free years
Health Check Up for every 3 claim free years
Covered @25% SI for claim free year
Cumulative Bonus @25% SI for claim free year with Max 50% of SI
Co-Pay of 20% (Voluntary)
If Voluntary Co-Pay of 20% is chosen then 15% discount on premium will be given on the premium payable for the Insured person
Covered 10% of the average SI
Maternity Expenses Benefit for Sum Insured 5 Lakhs and Above (Maximum of 10% of the average SI of the Insured Person in the preceding three years)
