New India 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 Mediclaim Health Insurance
New India Mediclaim Policy brought to you by New India Assurance is a comprehensive medical insurance policy that gets you and your family covered with unforeseen hospitalisation expenses. The proposer of this policy can include Self, Spouse, Parents and Children, and all the individuals proposed under this policy should be aged between 18 years to 65 years. The Proposer can also include financially dependent children if they are aged between 18 years to 25 years. The policy is valid for a period of one year from the date of start of the policy.
The list of benefits provided under this policy is huge. Some of the major benefits that the policyholders can enjoy here are - in-patient hospitalisation cover, facility of getting treated anywhere in India, cumulative bonus offer, wide range of sum insured options, and so on. Another benefit of being covered under this policy is that a newborn baby of the insured mother will be covered from the date of birth until the policy gets expired, without paying any extra premium. To get continued coverage for the child, you need to add him/her under the policy at the time of renewal.
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Key Inclusions and Exclusions of the Plan
What's Included
- 30 days pre-hospitalisation expenses
- 60 days post-hospitalisation expenses
- ICU/ICCU expenses up to specified limit
- Expenses incurred towards ambulance services
- Room rent, boarding, and nursing charges, etc.
What's Not Included
- Domiciliary hospitalisation
- Vaccination and/or inoculation
- Sexually Transmitted Diseases
- Naturopathy and Siddha treatments
- Dental treatment or surgery of any kind
9390 New India Cashless Network Hospitals in India
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Add-ons to Enhance Benefits
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Maternity Expenses Benefit
Policyholders can avail this benefit only if they buy this policy for a sum insured of at least Rs. 5 Lakh. When an additional premium is paid, the maternity expenses shall be payable up to 10% of the average sum insured after 36 months of a waiting period. This limit is applicable for every event for all the Policies provided by New India Assurance including Group Policies.
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Revision in Limit of Cataract
The company provides this benefit only to the policyholders who have purchased this policy for a minimum sum insured of Rs. 8 Lakh. On payment of additional premium, an additional limit shall be applicable.
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Voluntary Co-pay
If an insured individual opts for voluntary co-pay of 20%, a discount of 15% shall be given on the premium payable by him/her.
New India Mediclaim Policy Expert Review
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Major Attractions
When you buy Mediclaim Policy, you invest in a good policy. It’s an optimum choice for people between 18 years and 65 years. It’s also perfect for financially dependent children from 18 years up to 25 years. Another benefit of the policy is that it covers a newborn baby right from the date of birth until the policy gets expired without extra premium. Going further, the benefits also include:
- Sum Insured options are from Rs. 1 Lakh to Rs. 15 Lakh
- Cataract cover 20% of the Sum Insured or a maximum of Rs. 50,000
- Ayurvedic / Homeopathic / Unani Treatment up to 25% of the Sum Insured
- Hospital cash benefits 0.1% per day. Maximum up to 1% of the Sum Insured
- Reimbursement of health-check up after every block of three claim-free years. Maximum Rs. 5000 or 1% of the Sum Insured
- Optional maternity benefits if the sum insured is more than or equal to Rs. 5 Lakh
- Revised Cataract Limit from Rs. 80,000 to Rs. 1.5 Lakh
- 15% premium discounts if 20% of voluntary co-pay is chosen
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What’s More?
Above all, the Mediclaim Policy has more to offer. It covers congenital internal diseases up to the sum insured provided you have continuous coverage of 24 months. Besides, coverage is available for congenital external diseases up to 10% of the sum insured provided you have continuous coverage of 36 months.
- Lifetime renewal of the policy
- Tax benefits under the Income Tax Act
- Quality TPA (third-party administrator) service
- Free look period for a duration of 15 days to understand the details of the policy completely
- A grace period of one month to renew the policy
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Conclusion
Like other health insurance policies, New India’s Mediclaim policy is also suitable to secure the health of your family. The policy has been designed to cover the insured persons against skyrocketing medical costs. It gives financial aid at the time of hospitalisation due to specific ailments, accidents or injuries. The only thing is that there are limits on room rent, AYUSH treatment, ambulance services, etc. Overall, certain discounts and wide cover under the policy make it worth buying.
To have quick and convenient purchase experience, choose the online mode for buying the policy. InsuranceDekho is a reliable companion in this concern, providing you with expert support when it comes to ‘claim settlement’, ‘policy portability’, ‘payment of premiums’ and many more.
Claim Process at New India Assurance Health Insurance
FAQs on Mediclaim Policy Health Insurance Plan
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Can I make a request for claim under this plan without getting hospitalised?
No. Unless an insured person is hospitalised for a valid reason, the claim is not paid. OPD is not covered under this policy.
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Who all can be included under this policy?
You can include yourself, i.e. the Proposer, your spouse, your children, and your parents.
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What are the sum insured options available under this plan?
Sum insured options available under this plan are- Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 8 Lakh, Rs. 10 Lakh, Rs. 12 Lakh and Rs. 15 Lakh.
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Is health check-up included under this policy?
Yes. The cost of health check-up is reimbursed to the insured individual after every 3 claim-free years. The reimbursed amount shall be payable up to Rs. 5,000 or 1% of the average Sum Insured of proceeding 3 years, whichever is less.