Atmanirbhar Health Policy
Health Insurance Policy
Atmanirbhar Health Policy, New India Assurance Co Ltd is specially designed for Persons with Disability, Mental Illness and Persons with HIV/AIDS to cover Hospitalisation expenses.
Sum Insured: 4 L & 5 L
Sum insured: On Individual basis — SI shall apply to each individual member
Eligibility: for adults: 18 years to 65 years, for Children: Newborn to 17 years
Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible. Time limit of 24 hrs shall not apply in respect of Day Care Treatment
Pre-Hospitalisation: for 30 days prior to the date of hospitalization.
Post Hospitalisation : for 60 days from the date of discharge from the hospital
Room Rent, Boarding, Nursing Expenses all-inclusive as provided by the Hospital/Nursing Home up to maximum of 1% of the sum per day.
Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU) charges all-inclusive as provided by the Hospital / Nursing Home up to maximum of 2% of the sum insured per day.
Up to Rs.40,000/-, per each eye in one policy year
Modern Treatment : Covered for listed procedures up to 50% of sum insured
Emergency Ground Ambulance Expenses are covered up to Rs. 2000 per hospitalization
AYUSH Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered up to 50% of sum insured, during each Policy year as specified in the policy schedule
Initial Waiting period: 30 days for all claims except resulting from Accident
PED waiting period: 48 months (For pre-existing diseases other than the pre-existing Disability and HIV/AIDS covered)
Specific Disease/ illness waiting period: 24 months
Waiting Period and specific Sublimit for HIV AIDS Cover For HIV/AIDS cover:
Initial waiting period of 30 days will be applicable for Indemnity basis cover.
Sum Insured would be available for Hospitalisation Expenses as per terms and conditions of the policy.
Waiting Period and specific Sublimit for Disability Cover For Disability Cover:
24 months initial waiting period is applicable for the pre-existing Disability covered under the policy.
Co-pay 20% on all claims made under the policy unless waiver for Co-pay is opted and premium is paid for the same