New India Top Up Mediclaim Plan
Product Overview
New India-Top up health insurance plans is a unique type of health insurance.
It offers (the insured) an additional coverage, which is beyond the “threshold limit” (or) the maximum limit of the existing health insurance policies, admission as an inpatient for a minimum period of 24hrs is required.
Sum Insured offered is the maximum liability of the company for all members of the policy.
Unique Features - New India Top Up Mediclaim Plan
- No Medical Check-Up upto the age of 50 years
- Daily Cash Benefit - Rs. 500/- per day for Rs. 5 Lakhs Threshold & Rs. 800/- per day for Rs. 8 Lakhs Threshold
- Wellness Benefit - Rs. 5,000/- for Rs. 5 Lakhs Threshold & Rs. 8,000/- for Rs. 8 Lakhs Threshold
- Under this plan there is No Co-payment applicable
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Critical Features - New India Top-Up Mediclaim Plan
- Room Rent
Limits imposed towards room and ICU rent expenses
Room Charges 5000 Per Day for 5,00,000 threshold and 8000 Per Day for 8,00,000 Threshold. ICU Charges 10,000 Per Day for 5,00,000 threshold and 16,000 Per Day for 8,00,000 Threshold. - Co-Pay
Specific % of admissible claim amount to be borne by Insured
This plan does not have no co-payment clause. - No Claim Bonus
This Plan does not have no claim bonus benefits - 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 pre-existing diseases.
Eligibility Criteria
- Minimum Age of Entry:- Children - 3 Months. Adults - 18 years
- Maximum age of Entry:- 65 years
- Policy Tenure:- 1 year
- Family Definition:- Self, Spouse, Dependent Children and Dependent Parents
- Premium Calculated on Basis of:- Age, (i.e. sum Insured Choosen)
| Deductible Amount | Sum insured |
| 5 lakhs | 5 lakhs |
| 5 lakhs | 10 lakhs |
| 5 lakhs | 15 lakhs |
| 8 lakhs | 7 lakhs |
| 8 lakhs | 12 lakhs |
| 8 lakhs | 17 lakhs |
| 8 lakhs | 22 lakhs |
Additional Discounts
- Family discount of 5 % if 2 family member are covered under the same policy on Individual sum insured basis.
- Family discount of 10 % if 3 or more family member are covered under the same policy on Individual sum insured basis.
Exclusions
- War or any act of war, invasion.
- Any Insured Person committing or attempting to commit a breach of law with criminal intent, or intentional self injury or attempted suicide while sane or insane.
- Any Insured Person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hanggliding, rock or mountain climbing.
- Treatment of Obesity and any weight control program.
- Venereal disease, sexually transmitted disease or Illness; Psychiatric, mental disorders, Pregnancy (including voluntary termination), miscarriage (except as a result of an Accident or Illness) .
- Dental treatment and surgery of any kind, unless requiring Hospitalisation.
- Experimental, investigational or unproven treatment, devices and pharmacological regimens
Tax Benefits
- You can claim tax deduction benefit u/s 80D as per IT Act 1961 for premium paid towards this policy.
- Self, Spouse, Childrens- Up to Rs 20,000/-
- Parents-Up to Rs 25,000/-
- Parents (Senior Citizens)-Up to Rs 30,000/-
Claim Process
Insurer has to be intimated 48 hrs before hospitalization in a planned event and within 48 hrs in case of an emergency hospitalization. For reimbursement claims the final claim documents have to reach the insurers office within 15 days of discharge from the hospital.
