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Janata Mediclaim Policy

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Who can take this Policy?

This insurance is available to persons between the age of 18 years to 60 years. Children between the age of 3 months - 18 years can be covered provided parents are covered simultaneously. The persons beyond 60 years can continue their insurance provided they are insured under Mediclaim policy with our Company.

What does this Policy Cover?

The policy covers hospitalization expenses for the treatment of illness/injury provided hospitalization is more than 24 hours. Pre-hospitalization expenses for 30 days and post hospitalization expenses for 60 days are also payable.

Day-care treatment - The Medical expense towards specific technologically advanced day-care treatments / surgeries where 24 hour hospitalization is not required.

Ambulance Charges for shifting the insured from residence to hospital are covered up to the limits specified in the policy.

Ayurvedic/Homeopathic and Unani system of medicine are covered to the extent of 25% of Sum Insured provided the treatment is taken in the Registered Hospital.

Pre-existing diseases are covered only after 4 continuous and claim free renewals with our Company.

Pre-existing conditions like Hypertension, diabetes and Cholesterol and its complications are covered after two years of continuous insurance on payment of additional premium.


  • Diseases contracted within 30 days of insurance.
  • Dental treatment except arising out of accident.
  • Debility and General Run Down Conditions.
  • Sexually transmitted diseases and HIV (AIDS).
  • Cosmetic surgery.
  • Vaccination and Inoculation.
  • Pregnancy and child birth.
  • War, Act of foreign enemy, ionizing radiation and nuclear weapon.
  • Treatment outside India.
  • Domiciliary Treatment.


Premium is based on age of the proposer. There are only two slabs of Sum insured i.e. Rs. 50,000/- and Rs. 75,000/-.

Amount in Rupees
Sum Insured 3 months to 5 yrs 6 yrs to 35 yrs 36 yrs to 40 yrs 41 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 66 yrs to 70 yrs
50000 750 700 800 1100 1400 1550 1800 2050 2300
75000 1125 1050 1200 1650 2100 2350 2700 3050 3450
Plus Service Tax Extra

Special Features of the Policy

  • Discount in premium for family cover.
  • Loyalty Discount.
  • Good Health Discount.
  • Cumulative Bonus.
  • Cost of Health Check up.
  • Income Tax Benefit under Section 80D of IT Act.

How to Avail Claim?

Claims are administered through Third Party Administrator (TPA) whose contact particulars appear on the policy document. Insured can opt cashless or reimbursement facility for their claims.

For more details please contact our nearest Office.

Information Furnished in Compliance to CIC Order in Case No. CIC/AT/A/2009/000268 Dated 11.06.2009 (New / Revised) (100 KB) PDF File Opens in a new window

Note: Policy details given are indicative, not exhaustive. Please contact your nearest NIA office for further details.

List of Hospitals (PPN) for Cashless facility through TPA.

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