New India Mediclaim 2012 Plan
Product Overview
New India Mediclaim 2012 Health Insurance Plan is an inpatient hospitalization policy, along with host of other benefits like - day care procedures, Pre & Post Hospitalization benefit, hospital cash benefit, etc.
Unique Features of New India Mediclaim 2012 Plan
- Family discount - If 2 or more members are insured under a single policy with separate sum Insured then - 10% Family Discount be applicable.
- Non-Allopathic Treatment like - Ayurvedic, Unani and Homeopathic treatment are covered under the policy.
- In case there is no claim during the policy year then the insured is entitled for a No claim discount on the Premium.
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Critical features of New India Mediclaim 2012 Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
- Room Rent - 1% of the Sum Insured.
- ICU - 2% of the Sum Insured.
- 25% of the sum insured per illness/ injury
- Co-Pay:
Specific % of admissible claim amount to be borne by Insured
- 20% co-payment for treatment in a hospital situated outside the Area of Coverage.
- 20% co-payment if person entering in to the policy at age of 55 years & above.
- Claim payment for cataract treatment shall not exceed 20% of the aggregate of the sum insured and cumulative bonus for each eye, subject to maximum of Rs. 24,000.
- No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
This plan does not have no claim bonus benefit. - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
This plans has a waiting period of 4 years is case of a pre-existing diseases.
Eligibility Criteria
- Minimum Age of Entry:- Children- 3 months to 25years/Adult-18 years
- Maximum age of Entry:- 65 years
- Sum Insured:- 2 lakhs to 8 lakhs
- Policy Tenure:- 1 year
- Family Definition:-
Individual - Self, Spouse, Children, Parent.
Family Floater - Self, Spouse, Children, Parent. - Premium Calculated on Basis of:- Age, Zone (i.e. sum Insured Choosen)
Additional Discounts
- Family Discount:
- Individual - If 2 or more members are insured under a single policy with separate sum Insured then - 10% Family Discount be applicable.
- Floater - If 2 or more members are insured under the same policy with single sum insured then discounts will be given on the premium between 11% to 18%
Exclusions
- Debility and General Run down Conditions
- Sexually transmitted diseases and HIV (AIDS)
- Circumcision, Cosmetic surgery, Plastic surgery unless required to treat injury or illness
- Vaccination and Inoculation
- Pregnancy, ailments related thereto and child birth
- War, Act of foreign enemy, ionising radiation and nuclear weapon.
- Treatment outside India
- Naturopathy
- Domiciliary Treatment
- Experimental or unproven treatment
- All external equipments such as contact lenses, cochlear implants etc
- Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
Note: Any claims arising out of or attributable to any of the following is not covered. Please refer policy T & C for detailed list of exclusions.
Tax Benefits
When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
