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New India Mediclaim Policy

Eligibility  
Entry Age (years)  
Minimum 3 months
Maximum 65
Maximum Policy Renewal Age (years) Life long renewal
Coverage Type Individual
Sum Insured (Rs)  
Maximum 15 lakh
Minimum 1 lakh
Policy Term (years) 1
Discount 15% on premium payable if the insured person opts for voluntary co-pay of 20%
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
Call to 1800 209 1415
Network Hospitals Http://newindia.co.in/listofhospitals.aspx
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.