New India Janata Mediclaim Policy

Policy term

1 year

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.

Exclusions

1. Pre-existing diseases 
2. Illness contracted during the first 30 days from commencement date of the policy 
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. 

Waiting period for the following diseases

1. 2 years waiting: 
2. Skin disorder 
3. Internal and external benign tumors 
4. Throat, ear, nose disorders 
5. Benign prostate hypertrophy 
6. Cataract and other age-related ailments 
7. Diabetes 
8. Gastric ulcer 
9. Gout and rheumatism 
10. All types of hernia 
11. Hydrocele 
12. Hypertension 
13. Non infective arthritis 
14. Hysterectomy 
15. Piles, fistula and fissure 
16. Sinusitis 
17. Prolapsed inter vertebral disc that is not arising out of an accident 
18. Gall bladder stone 
19. Bile duct stone 
20. Stones in urinary systems 
21. Congenital internal disorders that are unknown 
22. Varicose veins and ulcers