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Senior Citizen Mediclaim Policy By New India Assurance

Senior Citizen Mediclaim Plan, as the name suggest, is the health insurance policy designed specifically for elderly people above 60 years. New India Assurance Company is the leading insurance player of India that specialize in a variety of health insurance plans and New India Assurance Senior Citizen Policy is one of the many products offered by the company to protect the senior citizens of India against any medical emergencies. This senior citizen health insurance has been designed to provide maximum coverage to the senior citizens during medical emergencies. The policy is offered to senior citizens of India above 60 years of age and the policy covers their hospitalization expenses including pre and post hospitalization and individual coverage for Unani, homeopathic and Ayurvedic treatment. The additional benefit of this health insurance plan is that it provides coverage for all pre-existing diseases like diabetes, hypertension on additional 10% premium.

Features of Senior Citizen Mediclaim Plan by New India Assurance

  • Pre and Post Hospitalization expenses for senior citizens for 30 days and 60 days respectively
  • Coverage for treatment of illness and injuries at hospitals
  • Ambulance charges are covered
  • Limited coverage for homeopathic, Unani and Ayurvedic treatment
  • Pre-existing diseases are cover after a waiting period of 18 months
  • Pre-existing illness like diabetes and hypertension and other illnesses are covered after a waiting period of 18 months
  • Minimum sum assured can be 1 Lakhs and maximum can be 1.5 Lakhs
  • After completing four claim free years, the customers will get reimbursement for prescribed pre-acceptance health check ups
  • Income tax benefits for the premiums paid

What Coverage is Offered?

  • The cost incurred in treating injuries or illness are covered
  • Pre and post hospitalization expenses are covered
  • Ambulance charges are covered
  • Unani, Ayurvedic and Homepathic treatments are covered
  • Pre-existing diseases and illnesses are covered after a waiting period of 18 months

Exclusions of the Plan

  • The diseases that are contracted within 30 days of the policy will not be covered
  • Dental treatments are not covered except the one that arises from accident
  • General Run Down or Debility Conditions are not covered
  • Cosmetic treatments are not covered
  • Sexually transmitted diseases are not covered
  • Child birth or maternity treatments are not covered

Other Discounts with New India Assurance Senior Citizen Policy

  • 10% discount is offered with this Mediclaim policy if spouse of the policyholder is also covered
  • 10% discount is offered for voluntary excess of amount up to Rs. 10000/-
  • 5% discount added to the sum assured for each claim free year and it can be maximum 30% of the sum assured.

Benefits of New India Assurance Senior Citizen Mediclaim Plan

  • This senior citizen mediclaim plan enables the policyholder to enjoy cashless treatment at associated hospitals
  • Policyholders can get reimbursement for the treatment availed at non-network hospitals
  • In-patient hospitalization expenses are covered
  • The cost of room rent is covered and it is 1% of total sum assured per day
  • ICU Cost is also covered and it is 2% of total sum assured
  • Ambulance charges are also covered
  • Other medical charges like Anesthetists cost, surgeon, special consultation fee and medical practitioner cost are covered and it is 25% of the total sum assured
  • Hospitalization cost during organ donation or transplantation is covered
  • After four consecutive claim free years the policyholder will get reimbursement for all health checkups
  • Cataract surgery with imported foldable lens is covered and an amount of 10000 is reimbursed
  • Pre-existing diseases are covered after a waiting period of 18 months
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