New India Premier Mediclaim Policy

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      New India Premier Mediclaim Policy

      New India Premier Mediclaim Policy is a comprehensive health insurance offered under New India Assurance Health insurance. This policy can be availed as individual and family floater basis. The policy covers the insured for unforeseen hospital expenses, in-patient expenses including intensive care units and other critical care benefits to provide the insured with complete medical protection.

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      Eligibility Criteria

      The minimum eligibility criteria to buy this policy are:

      Type

      Individual/Family Floater

      Minimum Entry Age

      18years (18-25 years must be dependent on parents)

      3 months to 18 years (one of the parents must be covered already)

       

      Maximum Entry Age

      65 years

      Can continue beyond if they do not break the renewal process

       

      Number of people covered

      1-6 members

      Residential Status

      Indian Citizens

      Coverage Offered

      Individuals can buy New India Premier Mediclaim Policy for themselves or their family members. The Policy covers all hospitalization expenses under 2 base plans:

      • Plan A- Coverage for Rs 15,00, 000 & Rs 25,00,000
      • Plan B – Coverage for Rs 50, 00,000 & Rs 1 crore.

      Further coverage details are as follows:

      • Inpatient Treatment Cover -Room rent, boarding, nurse expenses are all covered. The intensive care unit or ICU, intensive cardiac care unit ICCU are also incurred.
      • Pre-hospitalization Cover- Pre-hospital medical expenses are covered for 60 days.
      • Post-hospitalization Cover- Coverage for 90 days after the hospital discharge will be paid for the same condition for which hospitalization was there.
      • Organ Donor Cover- All expenses of the hospital that are incurred for the donor regarding organ transplant. The cost of the organ is excluded.
      • Daycare Treatment Cover-139 day care procedures are covered in the Policy.
      • AYUSH Treatment- If in cases of Ayurvedic, homeopathic, Unani treatment, the individual is given 20% of the sum insured. This is provided only if the treatment takes place in a government or recognized or medical board accredited hospital.

      Inclusions of the Policy

      Individuals can buy the New India Assurance Health Insurance to get the below-mentioned benefits in addition to the above mentioned basic coverages:

      • Emergency Ambulance Cover-The Policy will pay for any ambulance services, including air ambulance, up to Rs 1 lakh, for transporting any insured person for better medical facilities from one hospital to another.
      • Hospital Cash Allowance-The Policy promises a cash payment of Rs 2000 per day for Plan A and Rs 4000 per day for Plan B for hospitalization for more than 24 hours.
      • Maternity and Newborn Coverage- This coverage will be provided to the insured mother upon hospitalization when she has been in continuous coverage for at least 36 months under the plan. The expenses incurred towards maternity are Rs 50,000 for Plan A and Rs 1, 00,000 for Plan B.
      • Critical Illness Benefit- If during the individual's period of insurance, the insured gets diagnosed with any listed critical illness, the Policy will pay the person Rs 2,00,000 under plan A and Rs 5,00,000 under Plan B. This amount is only paid to the insured once in a lifetime with no pre-existing diseases.

      Exclusions of the Policy

      Some cases of hospitalizations are not covered under the New India Premier Mediclaim Policy. Coverage will not be provided under the following cases as listed in the policy exclusions:

      • Pre-existing condition or disease
      • Listed disease diagnosed before the 24 months waiting period
      • Listed disease diagnosed before the 36 months waiting period
      • Injuries due to war, invasion, nuclear weapon, radiation
      • Cost of external prosthetic devices, braces, equipment or nondurable implants
      • Cost of spectacles, eyeglasses, contact lenses, hearing aids, etc.

      *The complete list of exclusions is available in detail in the policy document.

      Features & Benefits of the New India Premier Mediclaim Policy

      Out of the many benefits and features of the New India Premier Mediclaim Policy, Some of them are listed below:

      • All hospital expenses, including room rents and ambulance fees are covered.
      • OPD treatment cover is available.
      • The Policy has a new India baby care that covers any expenses incurred in connection with the delivery of any such newborn baby from birth until the expiry of this Policy.
      • Infertility treatment is also covered, subjected to a limit of Rs 1, 00,000 for plan A and Rs 2, 00,000 for Plan B.
      • It also covers treatment for STDs, or any condition caused due to human T cell lymphocytic virus type III. The limits are Rs 2, 00,000 for Plan A and Rs 5, 00,000 for Plan B.
      • This premium paid under this Policy is eligible for tax savings under Section 80D of the Income Tax Act 1961.

      Cancellation Terms of the Policy

      New India Premier Mediclaim Policy has a free 15-days look up period in which the policyholder can go through the policy documents. If he/she finds it unsatisfactory, the same can be returned to the insurer.

      The insurer can also cancel the Policy on the grounds of fraud and misrepresentation of personal or medical facts by the policyholder by giving prior written notice.

      FAQs

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      • 24*7 claims assistance In 30 mins. guaranteed*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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