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New India Assurance Senior Citizen Mediclaim Insurance Policy

New India Assurance Senior Citizen Mediclaim Insurance Policy - This New India Health Insurance plan covers:

  • Inpatient hospitalization expenses minimum 24 hours which includes
  • ICU charges: Upto 2% of Sum Insured per day (overall limit 25% of sum assured).
  • Room and Nursing Charge: 1% of Sum Insured per day (overall limit 25% of sum assured).
  • Specialists Fee, Consultants, Surgeon, Medical Practitioner, and Anesthetist fees (overall limit 25% of sum assured).
  • Oxygen, Surgical Appliances, Medicines & Drugs, Blood, Anesthesia, OT Charges, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical operation like pacemaker, related test, X-Ray and other expenses-upto 50% of sum insured.
  • Organ Donor hospitalization expenses.
  • Pre/Post hospitalization expenses upto 30/60 days respectively.
  • Ambulance Charges.
  • Limited Ayurvedic treatments are also payable under this policy
  • Preexisting diseases waiting period is 18 months.

Eligibility - New India Assurance Senior Citizen Mediclaim Insurance Policy

Individuals aged between 60-80 years are eligible for this policy. And the renewability continues till the age of 90 without a break. Health check up is mandatory for all applicants.

Sum Insured & Premium - New India Assurance Senior Citizen Mediclaim Insurance Policy

Sum Insured is Rs 1 lakh to Rs 1.5 lakhs and No Claim Bonus increase in 5% for every claim free year. Premiums are as lower as Rs 3850 to Rs 7650 depends on the age and sum insured. Again, loading of 10% to 20% will be applicable which depends on the age. There is a family discount of 10%.

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