Top Up Mediclaim Policy
Synopsis:
New India Top Mediclaim covers Hospitalization for Illness and Injury And Reimburse medical expenses at the time when the Cumulative Hospitalisation exceeds the Threshold.
Highlight:
- No Pre–acceptance Health Check–up for persons above 50 years of age.
- Pre existing Diseases covered after 48 months of continous coverage.
- Expenses covered for Ayush Treatment.
- Get Well Benefit of Rs. 5000 and Rs. 8000 for the first four admissible claims.
- Tax rebate, as per provision of Income Tax rules, under Section 80-D.
- Organ donor expenses are covered.
Benefit:-
Title | Description |
|---|---|
| Room Rent Limit | Aactually incurred subject to a cap of Rs. 5000 per day for Rs. 5,00,000 Threshold and Rs. 8000 per day for Rs. 8,00,000 Threshold. |
| ICU Daily Rent Limit | Actually incurred subject to a cap of Rs. 10000 per day for Rs. 5,00,000 Threshold and Rs. 16000 per day for Rs. 8,00,000 Threshold . |
| Minimum Hospitalization Period | 24 Hrs |
| Day Care Procedure Coverage | Not Covered |
| Additional Cover for Critical Illness | Optional, for age below 65 |
| Pre-Existing Disease / Illness coverage | After48 months |
| Waiting Period for New Policy | 30 days |
| Ambulance Expenses | actually incurred subject to cap of Rs. 5000 for Rs. 5,00,000 Threshold and Rs. 8000 for Rs. 8,00,000 Threshold. |
| Non-Allopathic Treatments | Covered |
| Donor Expenses | Covered |
| Nursing Allowance | Aactually incurred subject to a cap of Rs. 5000 per day for Rs. 5,00,000 Threshold and Rs. 8000 per day for Rs. 8,00,000 Threshold. |