New India Assurance Health Insurance for Individual

New India Mediclaim Insurance by New India Assurance is a comprehensive health insurance policy that provides coverage for you and your family. Available on the individual as well as family floater basis, this particular policy financially strengthens you to meet medical expenses in an emergency. The policy can cover proposer, spouse, parents, and children. Financially dependent children aged between 18 to 25 years are also covered.

Key Features

• Sum Insured options range from Rs. 1 Lakh to Rs. 15 Lakh
• Reimbursement of health check-up up to Rs. 5,000 or 1% of the Sum Insured
• Reinstatement of Sum Insured if the Sum Insured is more than or equal to Rs. 5 Lakh
• ‘No proportionate deduction’ optional cover if the Sum Insured is more than or equal to Rs. 2 Lakh
• Optional maternity cover if the Sum Insured is more than or equal to Rs. 5 Lakh
• Optional Revision in cataract limit if the Sum Insured is more than or equal to Rs. 8 Lakh
• Optional 15% discount If you choose voluntary co-pay of 20%

Scope of Coverage

• Expenses for 30 days pre-hospitalisation
• Expenses incurred during 60 days post-hospitalisation
• Charges for room rent, ICU, nursing services
• Ayurvedic, Homeopathic, Unani treatment up to 25% of the Sum Insured
• Ambulance service subject to capping 1% of Sum Insured
• Cover for a newborn baby born to an insured mother right from the date of birth
• Cataract after 24 months of continuous insurance

Eligibility

Anyone between the age of 18 years and 65 years can buy this policy. Children between the age of 3 months and 18 years are covered provided either of the parents is covered concurrently. Dependent children between 18 years to 25 years are also covered.

Exclusions

• Vaccination and/or inoculation
• Sexually transmitted diseases, AIDS or related diseases
• Injuries due to war, invasion, or act of a foreign enemy
• Injury due to deliberate exposure to danger, except in an attempt to save human life
• Attempted suicide, self-inflicted Injury, illness due to non-adherence to medical advice

New India Mediclaim Insurance is an ideal policy. If you have any query, dial InsuranceDekho's toll-free number 1800-1205-698.