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New India Top Up Mediclaim Policy

Will be updated soon.
Eligibility
Sum Insured (Rs) 
Maximum22 lakhs
Minimum5 lakhs
Additions to the Plan
Sum Insured and Threshold Limits (R)
Coverage TypeSum InsuredThreshold
A5,00,0005,00,000
B10,00,0005,00,000
C15,00,0005,00,000
D7,00,0008,00,000
E12,00,0008,00,000
F17,00,0008,00,000
G22,00,0008,00,000
Scope Of Cover
Cashless FacilityAvailable at network hospitals
Reimbursement FacilityAvailable if treatment taken at any non empanelled hospital
Pre and post hospitalisationNot covered
Inpatient HospitalisationCovered
Room rent/ ICU expensesRoom rent and boarding expenses capped at Rs 5,000 per day for Rs 5 lakh threshold and Rs 8,000 for Rs 8 lakh threshold.
ICU and ICCU expenses capped at capped at Rs 10,000 per day for Rs 5 lakh threshold and Rs 16,000 for Rs 8 lakh threshold.
Surgeon, Anesthetist, Medical Practitioner, Consultant's Specialist feesCovered
Anesthesia, blood, oxygen, OT charges, surgical appliances, medicines, etc.Covered
Day Care ProceduresCovered
AYUSH TreatmentCovered
Emergency ambulanceCovered upto 1% of Threshold Limit
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.
Annual Premium with a deductible of 5 Lakh (excluding taxes)
For Primary Member
Age (In years)/Sum Insured5,00,00010,00,00015,00,000
18-44180028003500
45-54290045005600
55-60402063008040
61-6567001050013400
For additional member
Age (In years)/Sum Insured5,00,00010,00,00015,00,000
0-1770011001400
18-4490014001750
45-54145022502800
55-60201031504020
61-65335052506700
Annual Premium with a deductible of 8 Lakh (excluding taxes)
For Primary Member
Age (In years)/Sum Insured7,00,00012,00,00017,00,00022,00,000
18-441600230030003600
45-542500370047005600
55-603840576074408940
61-65640096001240014900
For additional member
Age (In years)/Sum Insured7,00,00012,00,00017,00,00022,00,000
0-1760090012001400
18-44800115015001800
45-541250185023502800
55-601920288037204470
61-653200480062007450
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 61-65 years.

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