New India Assurance's Mediclaim Policy is intended to shield people against the whopping hospitalization costs. This plan is an excellent product with notable features like no maximum entry age limit, high cumulative bonus.
This policy can cover Your family members in one policy, with separate Sum Insured for each Insured Person. The members of the family who could be covered under the Policy are:
Minimum one and maximum six members can be covered in this Policy.
This Policy is designed to give You, the Insured, protection against unforeseen Hospitalisation expenses.
Enhancement of Sum Insured will not be considered for:
In respect of any enhancement of Sum Insured, exclusions 4.1, 4.2 and 4.3 would apply to the additional Sum Insured from such date.
This cover can be opted by the Insured Person whose Sum Insured is Rs. 2,00,000 and above. Policy holder shall continue to bear the differential between actual and eligible Room Rent. Premium will be charged separately for each Insured Person opting for this cover.
This cover can be opted by the Insured Person whose Sum Insured is Rs. 5,00,000 and above.
Special conditions applicable to Maternity Expenses Benefit:This cover can be opted by the Insured Person whose Sum Insured is Rs. 8,00,000 and above. On payment of additional Premium as mentioned in Schedule, it is declared and agreed that following additional amount for Cataract shall become payable but not exceeding the actual expenses incurred: Benefit of this cover will be available after the expiry of thirty six months from the date of opting this cover. Premium will be charged separately for each Insured Person opting for this cover.
If the Insured person opts for voluntary co-pay of 20%, a discount of 15% shall be of given on the premium payable for the Insured Person.
Benefit of Hospital Cash at the rate of 0.1% of Sum Insured per day of Hospitalization
At every third renewal, a compensation towards the health checkup is provided.
You can claim for any treatment sought through alternate medicine like Ayurveda, or Homeopathy up to a maximum of 25% of the sum insured. recognized by the Government or any other governing body.
Free Look Period for 15 days
This plan provides coverage for ambulance expense up to 1% of sum insurance per hospitalization.
For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within fifteen days from the date of receipt of the policy document.
For cataract claims, the liability of the company will be restricted to 10% of Sum Insured or Rs. 50,000 whichever less, for each eye.
This plan provides additional coverage for listed critical illnesses up to 10% of sum insured once in lifetime.
This plan offers coverage for medical expenses up to sum insured, on harvesting organ for the insured or for the donor and for transplantation.
For every claim free year, based on the age and the sum insured, the discount offered on the premium varies between 2% up to a maximum of 15%.
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