New India Assurance Family Floater Mediclaim Policy

New India Assurance Company has launched this family floater mediclaim plan to protect your loved ones under a single sum insured.  It is an economic plan as the coverage is provided to you, your spouse and 2 dependent children under a single plan.

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New India Assurance Family Floater Mediclaim Policy

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    Features & Benefits of New India Assurance Family Floater Mediclaim Plan

    Here is a quick rundown of the benefits and features of this plan:

    • Cumulative bonus benefit
    • Premium is calculated on the basis of geographical location and age where you are undergoing the treatment
    • Anyone between the age group of 18 years and 60 years can buy this plan.
    • Income Tax Benefit under Sec80/D of IT Act
    • It insured you, your spouse and dependent children (maximum two)
    • Please note that coverage is not extensible to in-laws even if they are residing with the insurer
    • Premium is based on the age of the eldest family member
    • 50% loading is applicable in case the spouse is covered. And 25% loading is applicable for each dependent child

    Inclusions of New India Assurance Family Floater Mediclaim Plan

    • 30 days of pre-hospitalization expenses and 60 days of post-hospitalization expenses are given a cover. The hospitalization duration should be more than 24 hours
    • Expenses on day-care treatment where 24-hour hospitalization is not recommended are also covered up to a specified limit
    • Ambulance charges are recompensed up to the specified limit
    • Ayurvedic / Homeopathic and Unani treatment are covered and 25% of Sum Insured will be compensated. The treatment should be done in a government hospital
    • Coverage of pre-existing diseases after 4 years of continuous claim free renewals
    • Pre-existing conditions like diabetes, hypertension, and other related complications are given a cover post 2 years of uninterrupted insurance services. Additional premium needs to be paid for the same. 

    Exclusions of New India Assurance Family Floater Mediclaim Plan

    • Diagnosis or treatments within 30 days of the policy purchase  
    • Dental treatment until required in case of accidental injuries
    • AIDS, STDs, and HIV (AIDS)
    • Cosmetic and plastic surgeries lest required for treatment of any illness or injury
    • Vaccination and Inoculation expenses
    • Pregnancy and childbirth complications
    • Injuries or illness resulting from war conditions, radiation, nuclear attacks and any act of terrorism
    • Treatment that was taken overseas
    • Naturopathy treatment
    • Domiciliary treatment or expenses or any treatment that was taken outside the hospital
    • Treatment that was taken without consultation of a medical practitioner
    • The cost incurred on external equipment’s like contact lenses, spectacles, etc.

    Sum Insured

    • Minimum Coverage Amount is INR 2 Lacs
    • Maximum Coverage Amount is INR 5 Lacs

    Age Criteria to Buy New India Assurance Family Floater Mediclaim Plan

    • Minimum entry age is 18 years and maximum of 60 years
    • Children between the age group of 3 months to 18 years can be covered if either or both the parents are insured
    • Extension after 60 years of age is possible in case of uninterrupted insurance

    Claim Procedure of New India Assurance Family Floater Mediclaim Plan

    If the treatment is taken in a non-network hospital then you need to follow the below mentioned procedure:

    • Right before the hospitalization , you need to immediately notify the TPA about the diagnosis of the illness
    • In case of an urgent situation, try to inform the insurance company at least within 2 hours of the hospitalization. You will need to provide –
    • Medical receipts, hospital invoices, hospital admission, and discharge proof
    • Lab reports (required as part of the treatment)
    • Medical prescriptions
    • Doctor’s certificate validating the nature of surgery, treatment, and operation
    • In-hospitalization receipts of room charges, doctor consultation fees and also blood, anesthesia charges
    • Post-hospitalization expenses can be compensated if you submit all the essential documents within 7 days of discharge

    Cashless treatment is available in network hospitals. Once your claim is approved you can avail the treatment by furnishing the proof of your medical Insurance policy.

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