New India Health Insurance

Mediclaim 2012 Policy

• This is a basic plan which offers coverage in the range of INR 2,00,000 and INR 8,00,000 for individuals between age 18 years and 65 years.
• Dependent children between age 3 months and 25 years can be covered only if one of the parents are covered.
• Pre and post hospitalisation expenses, no claim bonus, health check-up (every 3 years), etc. are the benefits provided in this plan.

Note: The sum insured is in the range of INR 1,00,000 and INR 3,00,000 for individuals above age 55 years.

Sub-limits (room rent limit, ICU rent limit, etc.) are applicable in this plan.

The premium amount for this plan would differ with geographical zones.

Co-pay (amount to be paid by the individuals themselves for each claim) is applicable in case of treatment in different geographical zone.

Senior Citizen Mediclaim Policy

• This policy offers coverage of INR 1,00,000 and INR 1,50,000 for senior citizens between age 60 years and 80 years.
• Pre and post hospitalisation expenses, ambulance charges, etc. are covered in this policy.

Note: This policy can be renewed only till the age of 90 years.

Mediclaim 2007 Policy

Co-pay (amount to be paid by the individuals themselves for each claim) is applicable in case of treatment in different geographical zone.

Janata Mediclaim Policy

• This policy offers health coverage of INR 50,000 and INR 75,000 for individuals between age 3 months and 60 years.
• Pre and post hospitalisation expenses, coverage for day care procedures, ambulance charge expenses cover, etc. are the benefits provided in this plan.

Personal Accidental Policy

• This policy offers compensation in case of accident related incidences for individuals between age 5 years and 70 years.
• The sum insured value is equal to income for 6 years of employment. For non working spouses the sum insured is 50 % of earning spouse's income.
• The coverage options are divided into tables.
  • Table D – This option will provide compensation in case of accidental death
  • Table C – In this option, in addition to coverage under table D, it covers permanent total disability, loss of limbs, etc.
  • Table B – In this option, along with coverage in table C, it provides coverage in case of permanent partial disability.
  • Table A – In this option, along with coverage in table B, it provides coverage in case of temporary total disability.

Rasta Apatti Kavach (Road Safety Insurance)

• This policy provides coverage specifically for road accidents in the range of INR 25, 000 and INR 1,00,000.
• There are two sections under this policy.
  • Section I – Offers compensation cover in case of personal accident
  • Section II – Covers medical expenses incurred during treatment of accident related injuries during hospitalization.

Union Health Care Policy

• This policy offers coverage to individual between age 5 years and 65 years and dependent children between age 3 months and 5 years.
• Pre and post hospitalisation expenses, personal accident cover of INR 1,00,000, etc. are the benefits provided in this plan.

New India Asha Kiran Policy

• This is a special family floater plan which is offered only to parents having girl child.
• It covers health cost of entire family in the range of INR 2,00,000 and INR 8,00,000.
• There are two sections of this plan
  • Section I- This section covers hospitalisation expense including benefits like hospital cash allowance, critical illness cover, treatment of congenital, etc.
  • Section II- This section provides compensation in case of accidental death, permanent total disability, etc.
  • Hospitalisation benefit, extra coverage in case of critical illness (10% of sum insured after diagnosis), coverage for day care procedures, maternity benefits, etc. are the benefits provided in this health insurance plan.

Note: Sub-limits are applicable for coverage under section I plan.

The premium amount under section I would differ with geographical zones.

Co-pay is applicable in case of change in geographical area for treatment under section I.

New India Floater Mediclaim Policy

• This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 8,00,000.
• Policy holder, spouse and 2 dependent children (up to age 25 years) can be covered under the same policy.
• Pre and post hospitalisation expenses, coverage for day care procedures, maternity coverage, etc. are the benefits provided in this plan.
• Additionally, after diagnosis of critical illness it is covered for 10% of sum insured.

Note: The premium amount for this plan would differ with geographical zones.

Co-pay is applicable in case of change in geographical area for treatment.

Sub-limits are applicable in this plan.

Family Floater Mediclaim Policy

• This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 5,00,000.
• A maximum of 2 dependent children, proposer and proposer's spouse can be covered under this policy.
• Pre and post hospitalisation expenses, coverage for day care procedures, loyalty discount, etc. are the benefits provided in the plan.

Note: The premium amount for this plan would differ with geographical zones.

Co-pay is applicable in case of change in geographical area for treatment.

Sub-limits are applicable in this plan.