VR Logo

New India Mediclaim Policy

Suited for

This policy is suitable for anyone looking for an ordinary health insurance cover.


What does it do?

The policy provides coverage for medical bills incurred due to hospitalisation and day care procedures. The policy also pays for homeopathic or ayurvedic treatment and emergency ambulance expenses.


Pros

It also covers treatment under Ayurvedic/Homeopathic and Unani system of medicine. Premium paid under this policy is eligible for tax benefit under Section 80D.


Cons

There is a capping on room rent and ICU/ICCU charges.

Eligibility
Entry Age (years) 
Minimum3 months
Maximum65
Maximum Policy Renewal Age (years)Life long renewal
Coverage TypeIndividual
Sum Insured (Rs) 
Maximum15 lakh
Minimum1 lakh
Policy Term (years)1
Discount15% on premium payable if the insured person opts for voluntary co-pay of 20%
Pre Policy Medical Check UpRequired if the office in-charge feels the need or if the age of the person is above 50 years.
Free look Period15 days
Grace Period for Policy Renewal30 days
Customer Service 
AddressThe New India Assurance Co. Ltd Jeevan Bharti Building, Corporate Office: 87, M.G Road, Fort, Mumbai 400001; Regional Office: 124 Connaught Circus, New Delhi-110001
Call to1800 209 1415
Network HospitalsHttp://newindia.co.in/listofhospitals.aspx
Additions to the Plan
Scope Of Cover
Cashless FacilityAvailable at network hospitals
Reimbursement FacilityAvailable if treatment taken at any non empanelled hospital
Pre and post hospitalisationcovers medical expenses upto 30 days immediately prior and 60 days after discharge from hospitalisation
Inpatient HospitalisationCovered
Room rent/ ICU expensesRoom rent and boarding expenses will be covered upto 1% of Sum Insured per day and ICU expenses will be covered upto 2% of Sum Insured per day
Surgeon, Anesthetist, Medical Practitioner, Consultant's Specialist feesCovered
Anesthesia, blood, oxygen, OT charges, surgical appliances, medicines, etc.Covered
Day Care ProceduresCovered
Ayurvedic/ Homeopathic/ Unani treatmentCovered upto maximum 25% of Sum Insured
Emergency ambulanceCovered upto 1% of Sum Insured
Expenses of donor for organ transplantCovered
Cost of health check upAvaialble upto 1% of Sum Insured (restricted to Rs 5,000) at the end of a block of every 3 claim free years.
Exclusions and Waiting Period
Pre-existing Diseases/ IllnessesCovered after a period of 48 months
No claim period30 days commencing from inception of policy except for accidental injuries
Waiting Period24 months in the case of all internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps, Benign ear, nose, throat disorders, Benign prostate hypertrophy, Cataract and age related eye ailments, Gastric/ Duodenal Ulcer, Gout and Rheumatism, Hernia of all types, Hydrocele, Infective Arthritis, Piles, Fissures and Fistula in anus, Pilonidal sinus, Sinusitis and related disorders, Prolapse inter Vertebral Disc and Spinal Diseases unless arising from Accident, Skin Disorders, Stone in Gall Bladder and Bile duct, excluding malignancy, Stones in Urinary system, Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus, Varicose Veins and Varicose Ulcers, Renal Failure.
48 months in case the above illnesses arise from a pre-existing condition or joint replacement due to degenerative condition, age-related osteoarthritis and osteoporosis.
General ExclusionsSelf inflicted bodily injury, Domiciliary Treatment, Dental treatment, Cost of spectacles, braces, contact lenses, Naturopathy treatment, Bodily injury due to engagement in any illegal or criminal activities or due to engagement in adventurous acts such as parachuting, bunjee jumping etc. Bodily injury arising as a result of terrorism. Bodily injury or disease caused as a result of HIV/ AIDS or any related condition, and others.
Annual Premium (excluding taxes)
Sum Insured Age group
<3536-4546-5051-5556-6061-65>65
1,00,000 270828674640692489411080012400
2,00,000 3679389864289694127141690722800
3,00,000 40514294713610808142721904926814
4,00,000 46594938819912410163502179730754
5,00,000 54205747953214418189542524335693
6,00,000 585462081029215564204392720838510
7,00,000 628866691105216709219252917441327
8,00,000 672271301181217854234103113944144
10,00,000 760080621334920170264143511349841
12,00,000 826387661451021919286823811454142
15,00,000 936999401644524836324654312061316