Jan Arogya Bima Policy
This is a medical insurance policy offered by New India Assurance Co.Ltd to those who are economically backward. The insured can receive an amount of Rs.5,000 and claim tax benefits of up to Rs.10,000 under Section 80D of the Income Tax Act,1961.
The Jan Arogya Bima Policy, offered by the New India Assurance Co.Ltd, is aimed at providing medical insurance to economically backward sections of society. It is important to note that premium up to Rs.10,000 can be claimed as tax benefit under Section 80D of the Income Tax Act. The sum insured is Rs.5000 per individual under this policy. The Jan Arogya Bima Policy is available to family members as well as individuals. The minimum eligibility age is 5 years while the maximum age is 70 years. Under the Jan Arogya Bima Policy, there is no facility of medical checkups. Also, the benefit of cumulative bonus is not offered under this policy.
Features of Jan Arogya Bima Policy
The salient features of Jan Arogya Bima Policy are listed below:
- Sum Assured: The sum insured is Rs.5000 per individual
- Duration: The Jan Arogya Bima Policy is offered for a period of one year
- Claim settlement: The insurance provider will settle the claims under thirty days of the receipt of the necessary documents. The insurer will transfer the funds within 7 days of acceptance of claim
- Grievance redressal: The insured can contact grievance cells at Office of the Insurance Ombudsman for redressal of any grievance
- Free look period: The Jan Arogya Bima Policy has a free look period of 15 days
- Cancellation: This policy may be cancelled by a giving a 30-day notice period to the insured. The insured too can cancel the life insurance policy at any time, following which, his premium will be refunded (short period rates), provided no claim has been made up to the cancellation period
Exclusions Under the Jan Arogya Bima Policy
Various exclusions (non-medical) under the Jan Arogya Bima Policy are listed below:
- Baby set
- Baby bottles
- Hand wash
- Beauty services
- Hair removal cream
- Buds
- Caps
- Brush
- Belts
- Carry bags
- Baby food
- Comb
- Eye pad
- Leggings
- Cradle charges
- Cold pack
- Foot cover
- Eye shield
- Bed pan
- Tooth brush
- Mineral water
- Slippers
- Sanitary pads
- Tissue paper
- Telephone charges
- Curapore
- Gause soft
- Infant food
- Cliniplast
- Camera cover
- DVD charges
- Hansaplast
- Flexi mask
- Slings
- Eyelet collar
- Hand holder
- Weight control services
- Hormone replacement therapy
- Hearing aids
- Sexually transmitted diseases
- Dental treatment
- Stem cell implantation
- Refractive error
- HIV/AIDS
Various services which are payable under OT charges are listed below:
- Arthroscopy
- Endoscopy
- Surgical drill
- Theatre booking
- Microscope cover
- Ward booking
- Eye drape
- Sputum cup
- Harmonic scalpel
- Blade
- Boyles apparatus
- X-ray film
- Cotton bandage
- Urine container
- Torniquet
- Sterile injections
- Micropore
- Antiseptic lotions
Various administrative charges not payable are listed below:
- Conveyance charges
- Admission kit
- Daily chart charges
- File opening charges
- Diabetic chart changes
- Incidental expenses
- Washing charges
- Photocopying charges
- Documentation charges
- Medicine box
- Patient identification band
- Discharge procedure charges
- Courier charges
- Medico-legal case charges
- Medical records
- Mortuary charges
The durable devices not payable under this policy are listed below:
- Thermometer
- Bipap machine
- Spacer
- Steam inhaler
- Diabetic footwear
- Infusion pump
- Commode
- Splint
- Spirometre
- Nebulizer kit
- CPAP equipments
- Armsling
- Knee braces
- Lumbosacral belt
- Oxygen cylinder
- Cervical collar
- Ambulance collar
- Microshield
- Abdominal binder
- Ambulance equipment
The items payable by a prescription are listed below:
- Digestion gels
- Mouth paint
- Novarapid
- Zytee gel
- Volini gel
- Lozenges
- ECG electrodes
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