New India Mediclaim 2012 Policy

New India Mediclaim 2012 policy has been issued by New India Assurance Co. Ltd which 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 health insurance 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.

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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