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  • New India Mediclaim 2007 Policy

    New India Health Insurance

    New India Mediclaim 2007 policy has been issued by New India Assurance Co. Ltd which covers the hospitalisation expenses of the insured in the period of insurance for any illness and injury. This plan is ideal for those who wish to cover their children and dependent parents are covered. There is no age limit for renewal of the policy.

    Features & Benefits of New India Mediclaim 2007 policy:

    Entry age

    Minimum age – 18 years

    Maximum age – 60 years

    Children between the ages of 3 months and 18 years will be covered if the parents are covered.

    Policy term

    1 year

    Age limit for renewal

    There is no age limit for renewal, the 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
    • 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:

    • Cost of health check-up
    • Good health discount
    • Discount on premium for family cover
    • 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:

    a) Skin disorder

    b) Internal and external benign tumors

    c) Throat, ear, nose disorders

    d) Benign prostate hypertrophy

    e) Cataract and other age related ailments

    f) Diabetes

    g) Gastric ulcer

    h) Gout and rheumatism

    i) All types of hernia

    j) Hydrocele

    k) Hypertension

    l) Non infective arthritis

    m) Hysterectomy

    n) Piles, fistula and fissure

    o) Sinusitis

    p) Prolapse inter vertebral disc that is not arising out of an accident

    q) Gall bladder stone

    r) Bile duct stone

    s) Stones in urinary systems

    t) Congenital internal disorders that are unknown

    u) Varicose veins and ulcers

    2. 4 year waiting:

    a) Age related osteoporosis and osteoarthritis

    Joint replacement due to degenerative condition

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

    Other Health Insurance Plans from New India Assurance:

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