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New India Assurance - Janata Mediclaim Policy

New India Assurance Co Ltd. is a Government multinational general insurance company having its headquarters in Mumbai and a global presence in more than 27 countries. Sir Dorabji Tata founded the company in 1919 and since then it has been ruling the market in the non-life insurance business.

New India Janata Mediclaim policy is ideal for those who want to protect all the family members with a broad health insurance coverage. The policy covers self, spouse and a maximum of two dependent children with a minimum sum assured of Rs.50,000 and the maximum of Rs.75,000. You can also avail the tax benefits on the premium paid as per the prevailing Income Tax laws.

Highlights of Janata Mediclaim Policy

  • Offers various discounts on the premium amount - Family Floater, Loyalty Discount & Good Health Discount
  • Provides Cumulative Bonus on renewal
  • Covers cost of Health Checkup
  • Offers lifelong renewability
  • Income Tax Benefit under Section 80D of IT Act

Scope of cover

Indivdual Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18

Maximum : 60

Number of Members Covered

Maximum Members : 4

Maximum Adults : 2

Maximum Children : 2

Sum Insured

50,000 to 75,000


discount

Family Discount

Policy Periods Available

1 year


Pre-Policy Medical Check-up

50 yrs and above

Family Floater Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18

Maximum : 60

Number of Members Covered

Maximum Members : 6

Maximum Adults : 4

Maximum Children : 2

Sum Insured

50,000 to 75,000


discount

Family Discount

Policy Periods Available

1 year


Pre-Policy Medical Check-up

50 yrs and above

Important Features

Day Care Treatments

Due to scientific advancement, some procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim. This plan covers such procedures.

    No-Claim Benefits

    In this policy, for every claim free year, a no-claim bonus equal to 5% of basic sum insured up to a maximum of 30% is available. This bonus amount is reduced by 5% of sum insured once you make any claim.

      Organ Donor Cover

      If you ever have to opt for organ donation, the hospitalization expenses (excluding the cost of the organ) on the procedure for the donor will be covered up to the sum insured.

        Pre Hospitalization

        The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization.

          Post Hospitalization

          The insurance company will pay you for the medical expenses related to your hospitalization 60 days post hospitalization subject to a maximum of 10% of the hospital bill.

            Good to Have Benefits

            Health Check-up

            Offers complimentary health check-up that covers some listed tests, once every four claim free years up to a maximum of 1% of average sum insured.

              Non- Allopathic Treatment Expense Cover

              You can claim for any treatment sought through alternate medicine like Ayurveda or Homeopathy up to a maximum of 25% of the sum insured. This will be a valid claim only if you seek the stated treatment in a Government Hospital or any institute duly recognized by the Government or any other governing body.

                Emergency Ambulance

                This plan provides ambulance cover for Rs.1,000 or the actual cost, whichever is less if you ever opt for the services.

                  Value Adds

                  LOYALTY DISCOUNT

                  Your loyalty is well-rewarded. If you make any repeat purchases, you will get a rebate on your premium in the form of loyalty discount.

                    FREE LOOK PERIOD

                    For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

                      Terms & Conditions

                      Room Rent / Room Category

                      To avail the claim on your hospitalization expenses, you need to get treated in a general ward of hospital or a day care center at the rate of not more than Rs.450 per day.

                        Waiting Period

                        Cooling Off Period

                        A 30 days cooling off period for all claims except any arising out of accidental injuries.

                          Specific Illnesses

                          The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.

                            Pre-Existing Illnesses

                            You can claim for any pre-existing conditions after a waiting period of 48 months from the policy start date.

                            Note: Certain illnesses/treatments require specific waiting period. You can refer such list in the policy wording.

                            Note: Certain illnesses/treatments require specific waiting period. You can refer such list in the policy wording.


                              Permanent Exclusions

                              The Plan will not cover any liabilities towards the treatments of following conditions-

                              • Whose signs or symptoms first occur within 30 days of the policy period
                              • Attempted suicide
                              • Use of alcohol or drug
                              • AIDS
                              • Pregnancy, childbirth, miscarriage, and abortion
                              • Congenital disease
                              • Infertility and in vitro fertilization.
                              • Vaccination & Inoculation
                              • Hospitalization out of war, riot, strike and nuclear weapons

                              Note: The complete list of what is omitted from the scope of coverage forms a part of the policy wordings. Kindly refer the same for additional reference.

                              Review of New India Assurance - Janata Mediclaim Policy

                              If a government assurance forms an important part of your decision making for any investment, you can consider this plan. While the policy boasts of positives like no copayment and attractive discounts; room rent capping of Rs.450 and absence of some valuable additions like the restoration of the sum insured or an optional cover for the critical illness is a bit disappointing. Overall, if you have a stern budget to abide by, this policy is surely deserving.

                              **Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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                              3.0 (2 votes)