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New India TOP-UP Mediclaim policy covers hospitalization expenses once it crosses the threshold limit.
New India TOP-UP Mediclaim policy covers hospitalization expenses once it crosses the threshold limit. The threshold limit can be met by a health insurance Policy or by self-funding also. However, it is not mandatory to have a base policy to buy a Top-Up Mediclaim Policy.
The policy can be issued on Individual or Floater Sum Insured basis covering up to 6 members of the family with Age of Entry: Proposer: 18 to 65 years and for Other members: 3 months to 65 years.
For a threshold of 5 Lakhs, Sum Insured of 5,10 & 15 Lakhs and for a threshold of 8 Lakhs, Sum Insured available are 7,12,17 & 22 Lakhs.
Highlights of the Policy:
1. Room rent charges, maximum of Rs. 5,000/- and Rs. 8,000/- for threshold of 5 & 8 Lakhs respectively.
2. ICU charges, maximum of Rs. 10,000/- and Rs. 16,000/- for threshold of 5 & 8 Lakhs respectively.
3. Get well benefit of Rs. 5,000/- and Rs. 8,000/- for threshold of 5 & 8 Lakhs respectively.
4. Cataract for each eye is up to Rs. 50,000/-
5. Hospital cash of Rs. 500/- and Rs. 800/- for threshold of 5 & 8 Lakhs respectively maximum for 10 days.
6. Ayush Expenses are covered.
7. Pre Existing Diseases waiting period is 48 Months and for specified diseases waiting period is 24 months.
8. Ambulance charges of up to Rs. 5,000/- and Rs. 8,000/- for threshold of 5 & 8 Lakhs respectively.
Covered Up to Rs. 5,000/-
Ambulance charges of up to Rs. 5,000/- and Rs. 8,000/- for threshold of 5 & 8 Lakhs respectively
Covered
Ayush Expenses are covered
Covered Up to Rs. 50,000
Cataract for each eye is up to Rs. 50,000
48 Months
Pre Existing Diseases waiting period is 48 Months and for specified diseases waiting period is 24 months
Covered
Room rent charges, maximum of Rs. 5,000/- and Rs. 8,000/- for threshold of 5 & 8 Lakhs respectively
