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This policy is designed to provide cheap medical insurance to poorer sections of
society Premium upto Rs.10000/- qualifies for tax benefit under Sec 80D of the
Income Tax Act. Service tax is not applicable to the policy.
The coverage is along the lines of individual mediclaim policy except that
cumulative bonus and medical checkup benefits are not included. The Sum Insured
per insured person is restricted to Rs5000/-.
The policy is available to individuals and family members. The age limit is 5 to
70 years. Children between the age of 3 months and 5 years can be covered
provided one or both parents are covered concurrently.
Any disease contracted within 30 days from commencement of risk, Injury/disease
caused by war perils/nuclear perils, Circumcision, Routine eye examination,
Dental treatments/surgery of any kind unless requires hospitalization,
Convalescence/general disability/run down condition or rest cure etc, Expenses
on vitamins and tonics, Treatments arising from or traceable to pregnancy/child
birth inclusion of caesarian section.
Note: Policy details given are indicative, not exhaustive. Please contact your nearest NIA office for further details.