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New India Assurance Health Insurance for Senior Citizens
New India Assurance Health Insurance for senior citizens provides medical insurance cover to individuals aged 60 years and more. The Senior Citizen Mediclaim policy by the New India Assurance Company Limited provides extensive coverage to elderly people against a variety of medical expenditures.
New India Assurance Health Insurance for Senior Citizens
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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New India Assurance Health Insurance
- Senior Citizen
Key Benefits of New India Assurance Health Insurance for Senior Citizens
Take a look at the key benefits of buying a New India Assurance Health Insurance for senior citizens:
- Wide range of sum insured available from Rs 1 lakh to Rs 50 lakh
- Sum insured available on an individual coverage basis
- 5% cumulative bonus for every claim-free year for up to 30%
- Cost of health check-up covered after every four consecutive claim-free years
- 10% discount on opting for voluntary excess
- 10% family discount if the insured’s spouse is also covered
- Tax saving benefits available under Sec 80D of the IT Act
New India Assurance Health Insurance Plans for Senior Citizens
The following table represents the New India Assurance plan for senior citizens:
|
Plan Name |
Sum Insured (Rs) |
Co-Payment |
|
|
New India Assurance Senior Citizen Mediclaim Plan |
1 lakh to 50 lakh |
10% |
View Plan |
Eligibility Criteria for New India Assurance Health Insurance for Senior Citizens
Elderly parents need to suffice the following eligibility criteria to buy a New India Assurance for senior citizens:
|
Categories |
Eligibility Criteria |
|
Minimum Entry Age |
60 years |
|
Maximum Entry Age |
80 years |
|
Family Members Covered |
Self, spouse |
|
Renewability |
Lifetime |
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Inclusions of New India Assurance Health Insurance for Senior Citizens
New India Assurance Health Insurance for senior citizens includes the following coverage:
- In-patient Hospitalization Expenses
- Pre-hospitalization Medical Expenses
- Post-hospitalization Medical Expenses
- AYUSH Treatment
- Ambulance Charges
- Organ Donor Expenses
- Modern Treatments
- Congenital Diseases
- Artificial Life Maintenance
- Impairment of Intellectual Faculties
- Mental Illness, Stress, Psychological & Neurodegenerative Disorders
- Puberty & Menopause-related Disorders
- Age-related Macular Degeneration
- Behavioural and Neuro Developmental Disorders
- Genetic Diseases
Exclusions of New India Assurance Health Insurance for Senior Citizens
Below mentioned medical expenses are excluded under New India Assurance Health Insurance for senior citizens:
- Domiciliary treatment
- Obesity & weight control treatment
- Dental treatment
- Cosmetic or plastic surgery
- Treatment of alcoholism
- Cost of dietary supplements bought without a doctor’s prescription
- Unproven treatment
- Treatment taken outside India
FAQs
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Q1. Which waiting periods apply to New India Assurance Health Insurance for senior citizens?
Ans: The following waiting periods apply to the New India Assurance Senior Citizen Mediclaim policy:
- Pre-existing Diseases Waiting Period – 18 months
- Specific Diseases Waiting Period – 90 days/ 18 months/ 48 months (as per the disease)
- Initial Waiting Period – 30 days
- Congenital Disease Waiting Period – 18/48 months (as per the disease type)
- Mental Illness/Psychological Disorders Waiting Period – 48 months
- Puberty & Menopause-related Disorders Waiting Period – 18 months
- Age-related Macular Degeneration Waiting Period – 48 months
- Behavioural and Neuro Developmental Disorders – 18 months
- Genetic Diseases Waiting Period – 48 months
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Q2. Is pre-acceptance health check-up compulsory to buy New India Assurance Health Insurance for senior citizens?
Ans: Yes. It is mandatory to undergo a pre-acceptance health check-up to buy a New India Assurance Senior Citizen Mediclaim policy.
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Q3. Where can I find the premium chart of New India Assurance Health Insurance for senior citizens?
Ans: The premium chart of the New India Assurance Senior Citizen Mediclaim policy is available on the website of the insurance company. If you need to check the premium, you can also use a health insurance premium calculator on Policybazaar.com.
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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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