• New India Assurance mediclaim policy covers Room rent, nursing, food and lodging expenses up to 1% of Sum Insured
• New India Assurance mediclaim policy covers ICU and ICCU expenses up to 2% of Sum Insured
• New India Assurance mediclaim policy covers Fees of surgeon, Medical Practitioner, Anesthetist and consultant up to Variable amount of Sum Insured
• New India Assurance mediclaim policy covers OT charges, surgical Appliances, diagnostic test and other related expenses up to Variable amount of Sum Insured
• New India Assurance mediclaim policy covers Ayurvedic/ Unani/ Homeopathic treatment up to 25% of Sum Insured
• New India Assurance mediclaim policy covers Organ Transplant cost and hospitalization expenses up to Sum assured or 80% of admissible claim amount
• New India Assurance mediclaim policy covers Cataract operation and related expenses up to 20% of the sum assured
• New India Assurance mediclaim policy covers 30 days of pre-hospitalization medical costs up to entire amount of Sum Insured
• New India Assurance mediclaim policy covers 60 days of post hospitalization medical costs up to entire amount of Sum Insured

• Insured is entitled for medical check-up cost reimbursements after each 3 claim-free years
• Auto renewal from your Credit/Debit card account
• Increase in sum assured amount can be done within 61 to 65 years age
• Lifetime renewal of policy
• Accident claims can be done even within 30 days of buying the policy
• Free look up period for 45 days
• Income tax rebate under section 80 D

• Hospitalization for Critical illnesses
• Hospitalization for accidents
• Medical expenses prior to hospitalization (up to 30 days)
• Medical expenses after hospitalization (up to 60 days)
• Miscellaneous expenses for hospitalization (ambulance costs etc.)

Though most of the cases are looked after in this policy, there are few exceptions too. Given below is a list of what the policy doesn’t cover-

• Pre-existing diseases and chronic illnesses
• General weaknesses and run downs
• HIV (AIDS) or other sexually transmitted diseases
• Cosmetic surgeries or plastic surgeries unless required due to illness or injury
• Circumcision until needed due to illness or injury
• Inoculation or vaccination
• Naturopathy
• Pregnancy or complications related to child birth
• Overseas treatment
• War, nuclear weapon, ionizing radiation, act of foreign enemy and so on
• Experimental treatment
• External equipments like cochlear implants or contact lenses
• Home treatment

• Any individual within 18-65 years
• Family including spouse, dependent parents and children betweeen 3 months and 25 years

The upper age limit does not include a mentally challenged child and an unmarried daughter who is dependent on the insured

• Apollo Munich Optima Restore
• United India Insurance Family Medicare policy
• Religare Care Plan
• Max Bupa Heartbeat Family Medicare policy

• New India Top Up Mediclaim
• New India Floater Mediclaim Policy
• Janata Medicliam Policy
• Mediclaim 2007 policy

There is a locking period of 30 days after which you can avail mediclaim benefits. However, in case of accidents, you are able to avail the benefits even within 30 days.

It is easy to avail cashless facility. If you have been hospitalized in any of the network hospitals, all the expenses are generally settled by Third Party Administrators on behalf of the insurance providers. However, it is important to have a prior approval from TPA before hospitalization. While hospitalizing, you need to show the hospital authorities the proof of insurance and your ID proof.

All you need to do is fill a claim form and furnish the bills of medical expenses, miscellaneous costs and other necessary documents required and send it to the TPA within 7 days post release from the hospital. You can get entire amount refunded provided it is within the sum assured and complies with the rules and regulations of the hospital.

There is no upper limit for policy renewal. All you need to do is pay the premium before the expiry date of the policy. However, you cannot take a fresh policy after 65 years of age. It is, therefore, important to pay the premium in time so that your policy doesn’t get lapsed.