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  • New India General Insurance - Mediclaim Insurance

Introduction

The Top-up Mediclaim offered by New India gets activated after the aggregate hospitalization expenses of the members exceed the deductible. Under this policy, the expenses on any hospitalization following activation would be covered. You can either opt for individual or family floater coverage under this policy.

Main Highlight of the plan

The Top-up Mediclaim by New India is a basic top-up plan which offers benefit after the hospitalization expenses exceed the deductible. Every expense after the deductible is covered up to sum insured.

Scope of cover

Entry age – Individuals between age 3 months up to 65 years can be covered under the policy. However, it is mandatory that the proposer's age should be between age 18 years to 65 years. For children between age 3 months up to 18 years to get covered both the parents should get covered simultaneously.

Sum Insured and deductible values:


PLAN

A

B

C

D

E

F

G

Deductible in INR

5,00,000

5,00,000

5,00,000

8,00,000

8,00,000

8,00,000

8,00,000

Sum insured in INR

5,00,000

10,00,000

15,00,000

7,00,000

12,00,000

17,00,000

22,00,000

*Note: Pre-policy health check-up is required for individuals above age 50 years or with adverse medical history. The cost of expenses on this pre-policy check-up would be reimbursed up to 50% post issuance of policy.

Coverage: Benefits & Features

Most Important

Most important features to consider before buying a top-up plan are:

Good to have

None

Value Adds

The benefits that add value to the Top-up Mediclaim plan by New India are:

Exclusions

A cooling off period of 30 days is applicable for the first year after buying the policy. During this period, no claims (other than claims related to an accident) can be made.
Waiting period of 2 years is applicable for specified ailments. Refer the policy wordings for the complete list of ailments listed under each category.

Waiting period of 4 years is applicable for Joint Replacement due to Degenerative Condition and Age

related Osteoarthritis & Osteoporosis.
  • Note: The waiting period may vary in case the conditions listed above are pre-existing.
  • There is no waiting period for claims related to accident.
Pre-existing diseases are covered after continuous renewal of the policy for 4 years.
Pre and post hospitalization expenses are not covered under this plan.
PERMANENT EXCLUSIONS- Cosmetic surgery, Lasik eye treatments, drugs or Circumcision, genetic disorders, self-inflicted injuries, war related injuries, etc. are some of the exclusions. For the detailed list of please refer the policy document.