Day One Protection Rider
Health Insurance Policy
Day One Protection Rider
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Day 1 Protection Rider
The Day 1 Protection Rider provides immediate coverage for specified lifestyle-related conditions by waiving the standard 90-day waiting period. It offers financial protection from the very first day of the policy for eligible insured persons.
Key Coverage Benefits
By opting for this rider, the standard 90-day waiting period is waived for the following conditions:
- Hypertension
- Diabetes
- Cardiac Conditions
Eligibility & Criteria
| Category | Details |
|---|---|
| Applicable Products | New India Mediclaim Policy (Uplift Plan) and New India Floater Mediclaim Policy (Uplift Plan) |
| Policy Type | Applicable only for Fresh Policies (First Year) |
| Entry Age | Up to 50 years |
| Medical Reports | Mandatory Pre-Medical Acceptance Reports for proposers aged 45 to 50 years |
| Rider Premium | 5% of the Base Policy Premium |
Important Conditions & Exclusions
- Standalone Availability: This rider cannot be purchased separately and must be taken along with the Base Policy.
- Fresh Proposals Only: This rider is not available for ported, migrated, or renewal policies.
- Medical History: Not available for individuals with any existing Pre-Existing Disease (PED) or recurring illness at the time of proposal.
- Surgical Exclusion: Planned surgeries related to Hypertension, Diabetes, or Cardiac Conditions are not covered under this rider.
- Mid-term Addition (Floater Policy): Newly wedded spouse and newborn baby can be added by paying the applicable pro-rata premium, provided the rider was opted at policy inception.
- Mid-term Addition (Individual Policy): New members (spouse or newborn baby) can opt for this rider during the policy period by paying the applicable pro-rata premium.
UIN: NIAHLIA27002V012627
