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  • New India Family Floater Mediclaim Policy

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    New India Family Floater Mediclaim policy is ideal for those who wish to insure all the members of his or her family during the tenure of the policy. The policy covers self, spouse and maximum two dependent children. Minimum sum assured is Rs.2 lakh and the sum assured can go up to a maximum of Rs.5 lakh. There is no age limit set for renewal of the policy and, as an added benefit, you can also avail tax benefits under Section 80D of the Income Tax Act.

    Features & Benefits of New India Family Floater Mediclaim policy:

    Entry age Minimum age – 18 years Maximum age – 60 years
    Policy term 1 year
    Sum insured Minimum: Rs.2 lakh Maximum: Rs.5 lakh
    Premium The basic premium is as per the highest age of the family member. 50% loading for covering spouse 25% loading for each additional dependent child
    Age limit for renewal There is no age limit for renewal, the health insurance policy has to be renewed within 30 days from the date of expiry.
    Treatments covered Treatment for the following will be covered under this policy:
    • Appendectomy
    • Coronary angioplasty
    • Anti-rabies vaccination
    • Coronary angiography
    • Dilation and curettage of cervix
    • Dental surgery following an accident
    • Fracture excluding hairline fracture
    • Eye surgery
    • Haemodialysis
    • Hysterectomy
    • Hydrocele
    • Gastrointestinal tract system
    • Inguinal, ventral, umbilical, femoral hernia, hysterectomy
    • Lithotripsy
    • Parental chemotherapy
    • Prostate
    • Piles
    • Sinusitis
    • Radiotherapy
    • Gall bladder stone, pancreas stone and stone in bile duct
    • Urinary tract system
    • tonsillectomy
    Cancellation The policy can be cancelled on the grounds of misrepresentation, fraud, non-disclosure, etc. The premium will be refunded and the rate of premium to be charged is as follows:
    Risk period Rate of premium to be charged
    Up to 1 month 1/4th of the annual rate
    Up to 3 months Half of the annual rate
    Up to 6 months 3/4th of the annual rate
    Exceeding 6 months Full annual rate
    Free look period You can return the policy in within 15 days from the date of receipt of the policy.
    Claim The insurer can settle the claim within 30 days from the receipt of the necessary documents.
    Tax benefits Payments made towards this policy in any mode other than cash is eligible for deduction from taxable income under section 80D of the Income Tax Act.
    Other benefits You can avail the following benefits under this policy:
    • Good health discount
    • Loyalty discount
    • Cumulative bonus
    Exclusions The following conditions or diseases will be excluded under this policy:
    • Pre-existing diseases
    • Illness contracted during the first 30 days from commencement date of the policy
    • Medical expenses arising out of:
    1. War
    2. Circumcision
    3. Cosmetic or aesthetic treatment
    4. Vaccination and inoculation
    5. Cost of braces, prosthetic devices, implants, spectacles, etc.
    6. Dental treatment not arising out of an accident
    7. Obesity treatment
    8. Bodily injury or sickness due to deliberate exposure to danger, while participating in criminal act or participating in any kind of hazardous sport
    9. STDs
    10. Diagnosis, x-ray or lab examination that doesn’t lead to you being hospitalised.
    11. Vitamins and tonics not forming a part for injury that is certified
    12. Maternity expense
    13. Naturopathy treatment
    14. Genetic disorder and stem cell implantation
    15. Instrument used in treating sleep apnea syndrome and continuous peritoneal ambulatory dialysis
    16. Domiciliary hospitalization
    17. Experimental treatment
    18. Treatment taken outside India
    19. Services charges other than those levied by hospital
    20. Treatment for age related macular degeneration, rotational field quantum magnetic resonance, external counter pulsation, enhanced external counter pulsation and hyperbaric oxygen therapy.
    • There is waiting period for the following diseases or conditions:
    1. 2 year waiting:
    1. Skin disorder
    2. Internal and external benign tumors
    3. Throat, ear, nose disorders
    4. Benign prostate hypertrophy
    5. Cataract and other age related ailments
    6. Diabetes
    7. Gastric ulcer
    8. Gout and rheumatism
    9. All types of hernia
    10. Hydrocele
    11. Hypertension
    12. Non infective arthritis
    13. Hysterectomy
    14. Piles, fistula and fissure
    15. Sinusitis
    16. Prolapsed inter vertebral disc that is not arising out of an accident
    17. Gall bladder stone
    18. Bile duct stone
    19. Stones in urinary systems
    20. Congenital internal disorders that are unknown
    21. Varicose veins and ulcers
    1. 4 year waiting:
    1. Age related osteoporosis and osteoarthritis
    2. Joint replacement due to degenerative condition

    Disclaimer: Please read the terms, conditions and exclusions mentioned in the policy document before taking the policy.

    Find cashless network hospitals nearby: New India Assurance Network Hospitals

    Other Health Insurance Plans from New India Assurance:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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