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  • New India Mediclaim 2012 Policy

    New India Health Insurance

    New India Mediclaim 2012 policy has been issued by New India Assurance Co. Ltd which covers the hospitalisation expenses of the insured for any illness and injury in the period of insurance. The policy term is 1 year. There is no age limit set for it renewal. With this policy you can avail bonus, discounts and tax benefits. Sum assured ranges from Rs.3 lakh to Rs.5 lakh.

    Features & Benefits of New India Mediclaim 2012 policy:

    Entry age

    Minimum age – 18 years

    Maximum age – 65 years

    Sum Assured

    Up to Rs.3 lakh, Rs.3 lakh to Rs.5 lakh and over 5 lakh

    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:

    • Adenoidectomy
    • Appendectomy
    • Anti-Rabies Vaccination
    • Coronary angiography
    • Coronary angioplasty
    • Dilation and curettage
    • Endoscopic Retrograde Cholangiopancreatography
    • Extracorporeal Shock Wave Lithotripsy
    • Excision of cyst or granuloma or lump
    • Eye surgeries such as:
      1. Cataract surgery
      2. Dacryocystorhinostomy
      3. Corrective surgery for entropion or ectropion
      4. Corrective surgery for blepharoptosis when not congenital or cosmetic
      5. Repair of corneal laceration or wound with conjunctival flap
      6. Excision of lacrimal sac and passage
      7. Pterygium operations
      8. Excision of major lesion of eyelid
      9. Removal of deeply embedded foreign body from lens of the eye
      10. Removal of deeply embedded foreign body from cornea using incision
      11. Lacrimal passage manipulation
      12. Removal of deeply embedded foreign body from posterior chamber of the eye
      13. Excision of involving one fourth or more of lid-margin
      14. Removal of deeply embedded foreign body from conjunctiva using incision
      15. Epicanthus and canthus operations
      16. Post-operative wound dehiscence of cornea repair
      17. Repair of canaliculus and punctum
      18. Treatment for glaucoma, penetrating or non-penetrating surgery
    • Functional Endoscopic Sinus Surgery
    • Fistulectomy
    • Fracture excluding hairline fracture
    • Hydrocelectomy
    • Hemodialysis
    • Hernia repair
    • Lithotripsy
    • Laparoscopic cholecystectomy
    • Liver aspiration
    • Parenteral chemotherapy
    • Mastoidectomy
    • Polypectomy
    • Haemorrhoidectomy
    • Transurethral microwave thermotherapy
    • Transurethral resection of prostate
    • Laser Prostatectomy
    • Transurethral needle ablation
    • Transurethral electro vaporization of the prostate
    • Sclerotherapy
    • Radiotherapy
    • Surgery for sinusitis
    • Septoplasty
    • Tonsillectomy
    • Varicose vein ligation

    Entry load

    • There is no entry load for persons up to the ages of 45.
    • For people from the age of 45-50 years will have Rs.1,000 entry load towards sum assured ranging from Rs.3 lakh to Rs.5 lakh and Rs.2,000 for sum assured over Rs.5 lakh.
    • For people from the age of 51-55 years will have Rs.1,000 entry load towards sum assured up to Rs.3 lakh, Rs.2,000 for sum assured ranging from Rs.3 lakh to Rs.5 lakh and Rs.4,000 for sum assured over Rs.5 lakh.
    • For people from the age of 61-65 years will have Rs.2,000 entry load towards sum assured up to Rs.3 lakh.

    Reimbursement

    • Room rent: Not exceeding 1% of the sum insured per day
    • ICU Expenses: 2% of the sum insured per day
    • Surgeon, anaesthetist, medical practitioner and consultants specialist fees
    • Other medical expenses related to the treatment.
    • Pre-hospitalization medical expenses: Maximum up to 30 days
    • Post-hospitalization medical expenses: Maximum up to 60 days

    Cumulative bonus buffer

    The cumulative bonus earned in the previous years will be available as cumulative bonus buffer for the current policy.

    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.

    Discount

    If there has been no claims, you will get the following discounts:

    Particulars

    Sum insured less than Rs.3 lakh

    Sum insured more than or equal to Rs.3 lakh

    Less than or equal to 60 years

    Discount per year

    2%

    Discount per year

    3%

    Maximum discount

    10%

    Maximum discount

    15%

    Above 60 years

    Discount per year

    3%

    Discount per year

    3%

    Maximum discount

    15%

    Maximum discount

    15%

    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

    • Cataract and age related eye ailments
    • Benign ear, nose, throat disorders
    • Benign prostate hypertrophy
    • Hernia of all types
    • Treatment for menorrhagia, myoma and prolapsed uterus
    • Stones in urinary system
    • Piles, fissures and fistula
    • Gastric ulcer
    • Internal and benign tumours, cysts, polyps, breast lumps, etc.
    • Gall bladder stone and stone in bile duct
    • Hydrocele
    • Non infective arthritis
    • Pilonidal sinus, sinusitis and other related disorders
    • Prolapsed inter vertebral disc and spinal diseases not arising from accident
    • Gout and rheumatism
    • Varicose veins and ulcers
    • Skin disorders

    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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