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New India Floater Mediclaim Policy

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New India Floater Mediclaim Policy is a new health insurance plan offered by New India for providing health insurance coverage to your entire family under one sum assured. The New India Floater Mediclaim Plan cover expenses involved hospitalization, pre-hospitalization expenses for 30 days and post hospitalization expenses for 60 days and many related costs. You can include yourself, spouse and maximum two dependents under the New India Floater Mediclaim Policy. You can also enjoy claim free renewals with this plan.

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Key features of New India Floater Mediclaim Policy:

Entry Age Minimum age- 18 years Maximum age - 60 years. A person beyond the age 60 years can continue the plan provided he/she is insured under Mediclaim policy with New India Assurance without any break.
Basis It is a Family Floater plan.
Renewability The policy can be renewed.
Special Features The key features of the policy include:
  • The policyholder can include spouse, self and maximum 2 dependents.
  • The policy does not cover Parents/Parents-in law/ brothers and sisters.
Premium Premiums are charged based on the Individual Mediclaim Policy 2007. The policy charges 50% loading for covering spouse and 25% loading for covering every additional dependent child.
Sum assured Minimum sum assured: Rs. 2 lakhs Maximum sum assured: Rs. 5 lakhs
Policy coverage The policy covers the followings:
  • Day-care treatments and surgeries where 24 hour hospitalization is not mandatory.
  • Ambulance Charges involved in shifting the insured from residence to hospital
  • Homeopathic, Ayurvedic and Unani system of medicine are covered. The policy offers 25% of the sum Insured if the treatment is done at registered hospitals.
  • Pre-existing diseases are covered. It is subject to 4 continuous and claim free renewals with New India Assurance.
  • Pre-existing conditions such as Hypertension, Diabetes and related complications are covered, provided the policy is continued for two continuous years. You can also get cover for such pre-existing diseases by paying additional premiums.
Benefits The policy provides the following benefits:
  • Tax benefits under Section 80D of the Indian Income Act, 1961.
  • You can get health insurance cover for your whole family under a single sum assured.
  • Get claim free renewals.
  • The policy provide extensive health insurance coverage and include multiple medical conditions and hospitalizations costs.
Discounts The policy offers the following discounts:
  • Loyalty Discount.
  • Good Health Discount.
Exclusions The policy does not include the following conditions :Dental treatment caused by accident, Naturopathy, Domiciliary Treatment, Cosmetic surgery, Debility and General Run Down conditions, Circumcision, Sexually transmitted diseases such as HIV, Circumcision, Cosmetic surgery, Plastic surgery, Vaccination and Inoculation, Pregnancy, War related injury, treatment outside India, expenses incurred in contact lenses, cochlear implants. .

*** Please read the policy document for more information and further queries. The above-mentioned policy details are in indicative, not exhaustive.

Find cashless network hospitals nearby: New India Assurance Network Hospitals

Also Read: Check Incurred Claim Ratio of Health Insurers

Also Read: Best Health Insurance Plans of 2017

Also Read: How to File a Claim with New India Assurance?

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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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