New India Janata Mediclaim Health Insurance
Claim Settlement Ratio | 92.68% |
Network Hospitals | 7,500 |
PED Coverage Starting From | 4 years |
Pre-existing Disease Waiting Period | 4 years |
Starting Premium | 560 |
Starting Premium for Rs. 5 lakhs SI | Rs. 560/month |
About New India Janata Mediclaim Health Insurance
Janata Mediclaim Policy offered by New India Assurance is a simplified medical insurance policy that provides reimbursement for hospitalisation expenses for injury or illness sustained. An ideal choice for people who want to protect their family members with a broad coverage, the policy covers spouse, dependent children, and dependent parents, apart from the insured. The policy can be purchased for sum insured of Rs. 50,000 or Rs. 75,000 which the insured can choose as per their budget and requirement. It is an annual policy that can be purchased for a period of one year, after which it can be renewed.
The policy covers the insured for several healthcare expenses including in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses for 30 days and 60 days respectively, treatments taken under AYUSH systems of medicines, ambulance expenses, organ donor expenses, etc. also, you can avail tax benefits on the premium paid for the policy, under Section 80D of the Income Tax Act, 1961. In short, the policy is a good choice for people looking for sufficient coverage at an affordable premium. Kindly note that the policy comes with a waiting period of 30 days after which the policyholders can make a claim.
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Key Inclusions and Exclusions of the Plan
What's Included
- 30 days pre-hospitalisation expenses
- 60 days post-hospitalisation expenses
- Treatments taken under AYUSH systems of medicines for up to 25% of sum insured
- Cover for actual ambulance expenses or Rs. 1,000, whichever is less
- Expenses related to organ donation are covered under the plan
What's Not Included
- Change of gender treatments
- Expenses related to plastic or cosmetic surgery
- Hospitalisation for rest cure, rehabilitation, and respite care is not covered
- Hospitalisation for the purpose of evaluation or investigation is not covered
- Claims made during initial 30 days of waiting period
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FAQs on Janata Mediclaim Policy Health Insurance Plan
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What are the sum insured options available under Janata Mediclaim Policy?
Janata Mediclaim Policy can be purchased for a sum insured of Rs. 50,000 or Rs. 75,000.
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Who can be covered under Janata Mediclaim Policy?
Janata Mediclaim Policy can cover the insured as well as one or more of the following family members:
- Spouse
- Dependent children
- Dependent parents
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What are the documents required at the time of claim under Janata Mediclaim Policy?
Following are the documents required at the time of claim under Janata Mediclaim Policy:
- Bill, discharge certificate or card, and receipt from the hospital
- Cash memos from the pharmacy or the hospital, along with proper prescriptions
- Receipts and pathological test reports along with a note from attending Medical Practitioner or Surgeon recommending the test
- Surgeon’s certificate with the nature of operation performed, mentioned on it, long with the receipt and bill
- Receipt and certificate of diagnosis from attending Doctor/Specialist/Surgeon/Anesthetist etc.
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What am I covered for under in-patient hospitalisation expenses under Janata Mediclaim policy?
You get covered for the following in-patient hospitalisation expenses under Janata Mediclaim Policy:
- Expenses related to treatment taken in the general ward of the hospital or daycare center up to Rs. 450 per day
- Intensive Care Unit (ICU)/ Intensive Cardiac Unit (ICCU) charges
- Fee of Surgeon, Anesthesia, Specialist, Consultant, Medical Practitioner
- Expenses related to blood, operation theatre, medicines, drugs, dialysis, surgical appliances, radiotherapy, x-ray, chemotherapy, relevant diagnostic tests, etc.