Mediclaim Policy 2017 - Individual
Synopsis:
New India Mediclaim policy 2017 comes with unique features such as Congenital internal diseases cover, Cataract cover and Reinstatement of Sum Insured for non-related Illness.
Highlight:
- Four Optional Covers such as maternity expeses benefit, voluntary co – pay etc. available for insured persons.
- Pre – acceptance medical checkup will be applicable on age above 50 years.
- Day 1 New Born Baby Cover till the Expiry of the Policy.
- Congenital internal diseases covered after 24 months of continuous coverage, max. upto 10% of Sum insured.
- Ayurvedic / Homeopathic and Unani system of medicine are covered upto 25% of Sum Insured.
- No Loading for Diabetes and Hypertension.
- Any Claim relating to Cataract is payable upto 20% of S.I Or Rs.50,000 whichever is Less.
- Tax rebate available as per provision of Income Tax Rules under section 80-D.
Benefit:
Title | Description |
|---|---|
| Room Rent Limit | 1% of S.I per day |
| ICU Daily Rent Limit | 2% of S.I per day |
| Pre-Hospitalization Expenses | 30 Days |
| Post Hospitalization Expenses | 60 Days |
| Minimum Hospitalization Period | 24 Hrs |
| Day Care Procedure Coverage | 139 procedures covered. |
| Automatic Restoration of Sum Insured | Yes, for S.I of 5 Lakhs & above. |
| Pre-Existing Disease / Illness coverage | After 48 months |
| Medical Screening | 50 Years and above. |
| Free Health Checkup | 3 claim free years upto 1% of S.I, max. of Rs.5000 |
| Ambulance Expenses | 1% of S.I |
| Non-Allopathic Treatments | Upto 25% of S.I |
| New Born Baby Cover | Yes |
| Daily Hospitalization Allowance | 0.1 % of S.I per day, for S.I 3 Lakhs & above. |