Mediclaim Policy of New India Assurance Company Limited

Can you tell me what does the Family Floater Mediclaim Policy as offered by New India Assurance Company Limited covers as I want to know it before taking up the Policy?

The Family Floater Mediclaim Policy as offered by New India Assurance Company Limited insurance is available to persons between the Age of 18 years to 60 years.

The persons beyond 60 years can continue their insurance provided they are insured under Mediclaim policy with Company without any break.

Policy Cover

It covers hospitalization expenses for the treatment of illness/injury provided hospitalization is more than 24 hours.

Pre-hospitalization expenses for 30 days and post hospitalization expenses for 60 days are also payable.

Day-care treatment - The Medical expense towards specific technologically advanced day-care treatments / surgeries where 24 hour hospitalization is not required.

Ambulance Charges for shifting the insured from residence to hospital are covered up to the limits specified in the policy.

Ayurvedic/Homeopathic and Unani system of medicine are covered to the extent of 25% of Sum Insured provided the treatment is taken in the Registered Hospital.

Pre-existing diseases are covered only after 4 continuous and claim free renewals with it.

Pre-existing conditions like Hypertension, Diabetes, and their complications are covered after two years of continuous insurance on payment of additional premium.

Exclusions
• Diseases contracted within 30 days of insurance.
• Dental treatment except arising out of accident.
• 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 and child birth.
• War, Act of foreign enemy, ionizing radiation and nuclear weapon.
• Treatment outside India.
• Naturopathy.
• Domiciliary Treatment.
• Experimental or unproven treatment.
• All external equipments such as contact lenses, cochlear implants etc.

Mediclaim Policy of New India Assurance Company Limited

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Answered By StudyChaCha Member