New India Mediclaim Policy (Cashless facility available)

Product Highlights

The New India Mediclaim Policy is available for persons aged 18 years to 65 years. Children aged 3 months to 25 years are also covered, provided they are financially dependent. Lifelong renewal is available if the policy is renewed within the prescribed timelines.

The proposer can choose the following Sum Insured options:

• BASIC Plan: INR 1 Lakh, 2 Lakh, 3 Lakh, 5 Lakh, 8 Lakh, 10 Lakh, 12 Lakh and 15 Lakh. (INR 4 Lakh, 6 Lakh and 7 Lakh Sum Insured options are available only for renewals.)
• UPLIFT Plan: INR 25 Lakh, 50 Lakh, 1 Crore, 2 Crore, 3 Crore and 5 Crore.

Each insured person is covered under a dedicated Sum Insured.

Highlights of this Policy

• Newly launched UPLIFT Plan offers enhanced coverage with Sum Insured options of INR 25 Lakh, 50 Lakh, 1 Crore, 2 Crore, 3 Crore and 5 Crore.
• Cumulative Bonus of 25% of Sum Insured for every claim-free year, up to a maximum of 50% in the BASIC Plan and up to 100% in the UPLIFT Plan.
• Health Check-up benefit after every three claim-free years.
• Coverage for New Born Baby.
• Cataract expenses covered up to 20% of Sum Insured or INR 50,000 per eye (whichever is lower) under the BASIC Plan, and up to INR 1,00,000 per eye under the UPLIFT Plan.
• AYUSH treatment (Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy) covered up to 100% of the Sum Insured.
• Medical expenses for Organ Transplant are covered.
• Ambulance Charges are payable as per the selected Sum Insured band.
• Hospital Cash benefit is payable as per the selected Sum Insured band.
• Waiting period for Pre-Existing Diseases is 36 months, as per Clause 4.1 of the policy document.
• Waiting period for Specified Diseases is 24 months, as per Clause 4.3.1 of the policy document.
• Coverage for 226 Day Care Procedures under the BASIC Plan and over 280 Day Care Procedures under the UPLIFT Plan.
• Optional Cover I (BASIC Plan only): Revised Cataract limit for Sum Insured of INR 8 Lakh and above to 10% of the Sum Insured.
• Optional Cover II (BASIC Plan only): Choosing a voluntary 20% Co-Pay provides a 15% discount on the applicable premium.
• Deductible Rider (BASIC Plan only): Available for availing applicable discount on the base premium.
• The UPLIFT Plan can be combined with riders such as:
  • CB Protect Rider
  • Day 1 Protection Rider
  • Enhanced Cataract Limit Rider
  • Restoration of Sum Insured Rider
  • Maternity Rider
• Premium is determined based on the insured person's age and the selected zone.

Premium Calculator Link

Please visit the New India Assurance website to calculate the premium.

UIN Number: NIAHLIP25040V102425