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New India Senior Citizen Mediclaim Health Insurance

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New India Assurance Health Insurance
Senior Citizen Mediclaim Policy
Claim Settlement Ratio92.68%
Network Hospitals7,500
PED Coverage Starting From4 years
Pre-existing Disease Waiting Period4 years
Starting Premium 560
Starting Premium for Rs. 5 lakhs SIRs. 560/month

About New India Senior Citizen Mediclaim Health Insurance

Senior Citizen Mediclaim Policy is one of the several products brought to you by New India Assurance. The plan offers coverage for hospitalisation charges for any surgery, treatment, or accidental injury to senior citizens aged between 60 years to 80 years. And if renewed without any break, the cover can be continued up to 90 years of age. Before purchasing this medical insurance policy, the customers are required to undergo a prescribed pre-acceptance health check-up to detect any pre-existing disease(s). The cost of the same will be borne by the customer at first, which will be reimbursed later once he/she completes four claim-free years.

Some of the benefits offered by this plan are-cover for hospitalisation in government and/or registered Ayurvedic or Homeopathic and Unani hospitals; cover for pre-existing diseases after a waiting period; in-patient hospitalisation cover including cost of anesthesia, blood, etc.; room, boarding expenses, and so on. Considering the benefits of this policy, the sooner you get it, better it will be.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Ambulance charges up to Rs. 1,000
  • Pre-hospitalisation expenses for up to 30 days
  • AYUSH treatment up to 25% of the sum insured
  • Post-hospitalisation expenses for up to 60 days
  • Organ donor expenses in case of organ transplant

What's Not Included

  • Any domiciliary hospitalisation
  • Any treatment taken outside India
  • Vaccination and inoculation expenses
  • Dental treatments, except arising from an accident
  • Any naturopathy treatment

1070 New India Cashless Network Hospitals in India

Choose New India Assurance Critical Illness Plan

Senior Citizen Mediclaim Policy User Reviews

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What users are saying
  • All
  • I had little knowledge of how health insurance plans work and understood the insurance terms little. But when ...

    Read More
    M
    By Mirza Imran Baig
    On: Feb 25, 2020
  • Senior citizen mediclaim policy is a good plan that offers my parents many benefits like ambulance charges, pr...

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    A
    By Amit Raj Singh Makked
    On: Feb 25, 2020
  • This plan has nothing new. I found that all the benefits offered under this are also covered by many other sen...

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    A
    By Avinash Kumar
    On: Feb 12, 2020
  • I took the customer care executives advice at insurancedekho whether i should buy this plan or not. They sugge...

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    M
    By Manesh Sharma
    On: Feb 12, 2020
  • Senior citizen mediclaim policy is a self explanatory plan which is really easy to understand. They have not a...

    Read More
    Y
    By Yatin Gujaral
    On: Feb 03, 2020

New India Senior Citizen Mediclaim Policy Expert Review

  • Expert Review

    Senior Citizen Mediclaim Policy is a popular health insurance product for elderly people offered by New India Assurance. New India has designed this policy keeping in mind the increased health risks during declining age. The Senior Citizen Mediclaim provides coverage against hospitalisation due to surgery, treatment, or accidental injury. It covers people from 60 years up to 80 years old. However, if the policy is renewed without any break, one can be covered up to 90 years of age.

    Coming with the sum insured of Rs. 1 Lakh to Rs. 1.5 Lakh, the policy offers cover for hospitalisations in government or registered Ayurvedic/Homeopathic and Unani hospitals. The premium varies according to the age, SI and pre-existing diseases. Quite a good option for senior people, New India’s Senior Citizen Mediclaim covers pre and post-hospitalisation for up to 30 days and 60 days respectively; ambulance charges up to Rs. 1,000; daycare treatment; organ donor expenses; domiciliary treatment and so on.

  • Major Attractions

    Aside from several basic covers, the Senior Citizen Mediclaim Policy has some more benefits in store to offer, such as complimentary health checkup, no claim bonus. In addition, pre-existing diseases such as hypertension, diabetes mellitus and its complications can be covered after 18 months of continuous insurance. But, it’s worth mentioning that the pre-existing benefits are available on additional premiums. Some more benefits under the plan are:

    • A discount of 10% for voluntary excess of Rs. 10,000
    • A family discount of 10% if the spouse is also covered
    • Reimbursement of cost of health checkup once in a block of 4 claim-free years
    • Maximum members covered under the policy are 2
    • Cover for non-infective arthritis after 18 months
    • Cover for 22 joint replacement surgery treatments due to degenerative condition after 48 months
  • What’s More?

    Not only does the Senior Citizen Mediclaim offer these benefits, but as a policyholder you can also claim for the hospitalisation expenses. The nursing expenses are covered up to a maximum of 1% of SI per day, ICU charges covered up to 2% of SI per day, etc. It’s important to note that the overall limit should not exceed more than 25% of the sum insured. Here are some more things to know about the policy:

    • The policy comes with lifelong renewability
    • Dedicated third party claim settlement
    • Tax benefits under Section 80D of the Income Tax
    • The premium is calculated based on age and the sum insured chosen
    • A free look period of 15 days is given to understand the policy and cancel if not satisfied
  • Conclusion

    To conclude, New India's Senior Citizen Mediclaim policy is a custom-built health insurance product, which has been designed to cover elderly people against medical expenses due to specific illnesses, injuries or accidents. Features like NCB, a complimentary health check-up and an option of Hypertension and Diabetes cover from day one makes the policy unique. On the other side, limits on the room rent and sub-limits on some of the procedures with a co-payment clause can leave you with a bit of disappointing experience. Overall, it’s a good policy to have to secure you during your golden age with low premium amount.

    To buy this policy online at your convenience, give a call to InsuranceDekho. Or, get free quotes from us by filling the form on the top right of this page. InsuranceDekho strives to offer you the most suitable insurance policy at the best possible affordable premiums. 

New India Senior Citizen Mediclaim Policy Brochure

  • 828.31 KB
  • PDF Document
  • Jul 15, 2019

Claim Process at New India Assurance Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Senior Citizen Mediclaim Policy Health Insurance Plan

  • What is the eligibility to purchase this policy?

    Any senior citizen who is a resident of India and is aged between 60 years to 80 years can be covered under this policy. 

  • Does this plan provide any discount to the customers?

    Yes. A discount of 10% is provided for voluntary excess of Rs. 10,000 and a family discount of 10% is provided in case the spouse is also covered. 

  • Does the plan provide cover for genetic disorders?

    No. The plan does not provide cover for genetic disorders or even stem cell surgery. 

  • Are pre-existing diseases covered under this policy?

    Yes. Pre-existing diseases are covered after 18 months of continuous coverage with the company. 

  • What are the sum insured options under this policy?

    The policy can be purchased for sum insured options of Rs. 1 Lakh and/or Rs. 1.5 Lakh.

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