New India Senior Citizen Mediclaim Insurance Policy

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      New India Senior Citizen Mediclaim Insurance Policy

      A mediclaim policy compensates for hospitalization expenses incurred on treatment, surgery or accidental injury. A Mediclaim differs from health insurance in some ways. While the former covers expenses pertaining to hospitalization, the latter is more comprehensive and covers medical expenses which might include services beyond hospitalization.

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      In layman terms, for filing a Mediclaim, an actual hospitalization has to take place and for filing a health insurance claim, a medical eventuality is required which necessarily does not mean that an actual hospitalization has to happen. A normal mediclaim policy will cover expenses arising out of hospitalization.

      The minimum age at which a Mediclaim can be applied for is 5 years and the upper age limit is 60 years. Mediclaim draws a staunch line and does not cover dental expenses, cosmetic surgeries, pregnancy, childbirth or sexually transmitted diseases.

      New India Assurance Senior Citizen Mediclaim for Senior Citizen

      With the ever-rising healthcare costs, senior citizen mediclaim policy for the elderly is almost inevitable. Generally, the entry age for senior citizen health insurance is 61 years and many insurance providers limit the entry age to 69 years. Thus, sooner you get a Mediclaim policy, better the benefits would be. The chances of the policy getting rejected would also be less. After a two-year waiting period, cover for pre-existing diseases will also be offered.

      The cover for alternative medical treatment methods like Ayurveda and Homeopathy can be added to the policy plan as add-ons. The premium of senior citizen Mediclaim is generally high since the entry age is high and the premium amount varies according to the pre-existing disease. Some companies offer life-long cover for senior citizens while others may not require medical tests until the age of 69, based on some terms and conditions.

      New India Assurance Senior Citizen Mediclaim plan offers medical protection to people aged between 60-80 years.

      New India Assurance Senior Citizen Features & Benefits

      • Renewability up to 90 years of age
      • Medical Screening to identify any pre-existing illnesses is mandatory
      • Cashless claim settlement facility

      Inclusions of New India Assurance Senior Citizen Mediclaim Plan

      • Sum Assured Amount ranges from INR 1 lakh to 1.5 lakhs
      • Hospitalization expenses incurred on treatment of the specified illnesses or injury
      • 30 days of pre-hospitalization expenses and up to 60 days of post-hospitalization expenses
      • It also covers emergency ambulance expenses
      • Up to 1% of sum assured is reimbursed for boarding and expenses as charged by the hospital
      • ICU charges are also compensated and the maximum limit is up to 2% of the sum assured
      • Fees charged by the doctor, surgeon, medical practitioner, consultants, and anesthetist etc. and the limit is 25% of the Sum Insured amount.
      • It covers Anesthesia charges, OT charges, medications, blood, X-Ray, radiotherapy, oxygen, dialysis, cost of Pacemaker, chemotherapy, stents, Cataract surgeries, angiography, Tonsillectomy, prostate treatment, Arthroscopy, Kidney stone/lithotripsy, Hernia- Ventral/Incisional etc. up to 50% of the sum assured and are subjected to limits specified as per policy documents
      • It covers non-allopathic treatments up to a specified limit. It includes expenses incurred on Ayurveda, Unani and Homeopathic treatment at government-certified hospitals

      Exclusions of New India Assurance Senior Citizen Mediclaim Plan

      • Any type of diseases or illness diagnosed within 30 days from the policy issuance date
      • Pre-existing diseases are covered on completion of 18 months of continuous insurance
      • Pre-existing ailments like diabetes, complications related to diabetes mellitus hypertension, are covered after 18 months of continuous insurance. There is an additional premium cost attached to it.
      • Cost of cosmetic surgeries apart from accidental cases
      • Pregnancy and childbirth complications
      • Treatment for STDs and HIV

      New India Assurance Senior Citizen Mediclaim Plan Premium (Rs.) 

      Sum Insured (in Rs.) 60 to 65 years 66 to70 years 71 to 75 years 76 to 80 years
      1 lakh Rs. 3850 Rs. 4250 Rs. 4700 Rs. 5150
      1.5 lakhs Rs. 5720 Rs. 6310 Rs. 6980 Rs. 7650

       

      • For insured members between the age group of 81 and 85 years, loading of 10% is applicable
      • For insured members between the age group of 86 and 90 years, loading of 20% is applicable
      • To get coverage for pre-existing disease such as diabetes mellitus, hypertension, an additional premium of 10% will be charged.

      Discounts Applicable

      10% for voluntary deductibles of Rs.10, 000/-

      If your spouse is covered you get a family discount of 10% 

      Special Features of New India Assurance Senior Citizen Mediclaim Plan

      • Repayment of the cost of medical check-ups once after completion of 4 claims-free years
      • Tax saving benefits U/S 80D of the Income Tax Act

      How to File a Claim for New India Assurance Senior Citizen Mediclaim Plan?

      If the policyholder intends to file a claim under this plan:

      • Upon diagnosis of any illness or injury immediately inform the TPA department in writing at least 48 hours before the hospitalization
      • Notify within 24 hours in case of emergency hospitalization
      • Present the following supporting documents to the TPA department when filing a claim within 7 days of getting discharged from the Hospital:       

        • Surgeon'/ Doctor’s certificate mentioning the nature of the surgery performed
        • Surgeons receipt and bills are also required
        • Hospital bills, receipts, and discharge certificate
        • Cash memos from the chemist and hospital with the doctor’s prescriptions
        • Pathological test reports and receipts from Pathologist along with a supporting note from the attending doctor/surgeon suggesting such pathological tests
        • Attending anesthetists/doctor's/ specialist's / consultant's bill and receipt, and the certificate of diagnosis
      • Submit all the necessary document within 7 days of the post-hospitalization treatment (up to a maximum of 60 days)  
      • Submit the authorization form to obtain medical reports and other medical records from the laboratory or the Hospital or other agency

      The policyholder shall submit all the original bills, documents, and receipts to the TPA upon which the claim is based. You need to furnish all the information, additional information and any other assistance as required by the TPA.  

      Medical Practitioner sanctioned by the third-party Administrator shall be permitted to examine the policyholder or the insured members if it is required as part of the claim (subjected to the case and type of claim and illness). The cost of assessment shall be borne by the insurer itself)

      Policybazaar exclusive benefits
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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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.

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