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New India Floater Mediclaim Policy

Suited for

This policy is suitable for anyone looking out for a family health cover.

What does it do?

Like any other basic health insurance policy, it provides for medical bills incurred due to hospitalisation. It also covers day care procedures. The policy also pays for homeopathic or ayurvedic treatment and emergency ambulance expenses.

Pros

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.

Does Not cover Domiciliary Hospitalisation

Eligibility

Entry Age (years)

Minimum
3 months
Maximum
65
Maximum Policy Renewal Age (years)
Life long renewal
Coverage Type
Floater

Sum Insured (Rs)

Maximum
8 lakhs
Minimum
2 lakhs
Policy Term (years)
1
Pre Policy Medical Check Up
Required if the office in-charge feels the need or if the age of the person is above 50 years.
Free look Period
15 days
Grace Period for Policy Renewal
30 days

Customer Service

Address
The 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
Mail to
[email protected]
Call to
1800 209 1415
Network Hospitals
Http://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
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 froma 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, engagement in any illegal or criminal activities. 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.

Cost Details

Annual Premium (excluding taxes)
Sum Insured/Age200000300000500000800000100000012000001500000
<181314164920792558289531253342
18-352510318640525017569561586595
36-453186405251666404727478698430
46-5059807640977312145138121495216026
51-558855113331451418052205402224023842
56-609773125111602619937226862456426336
61-6512511160262054025561290923150333778
Once the Insured Person crosses the age of 65 years, the applicable premium on renewal will be loaded by 2.5% per year. This loading is applicable on premium for the age band of 61 years to 65 years.
Discount on number of members: 5% in case of 2 members; 10% in case of 3 members; 15% in case of 4 and above members
For renewals of New India Floater Mediclaim old rates are applicable till 30th November 2017