New India TOP-UP Mediclaim Policy (Cashless facility available)

New India TOP-UP Mediclaim policy covers hospitalization expenses once it crosses the threshold limit. The threshold limit can be met by a health insurance Policy or by self-funding also. However, it is not mandatory to have a base policy to buy a Top-Up Mediclaim Policy.

The policy can be issued on Individual or Floater Sum Insured basis covering up to 6 members of the family with Age of Entry: Proposer: 18 to 65 years and for Other members: 3 months to 65 years.

For a threshold of 5 Lakhs, Sum Insured of 5,10 & 15 Lakhs and for a threshold of 8 Lakhs, Sum Insured available are 7,12,17 & 22 Lakhs.

Highlights of the Policy:

  1. Room rent charges, maximum of INR 5,000/- and INR 8,000/- for threshold of 5 & 8 Lakhs respectively.
  2. ICU charges, maximum of INR 10,000/- and INR 16,000/- for threshold of 5 & 8 Lakhs respectively.
  3. Get well benefit of INR 5,000/- and INR 8,000/- for threshold of 5 & 8 Lakhs respectively.
  4. Cataract for each eye is up to INR 50,000/-
  5. Hospital cash of INR 500/- and INR 800/- for threshold of 5 & 8 Lakhs respectively maximum for 10 days.
  6. Ayush Expenses are covered.
  7. Pre Existing Diseases waiting period is 48 Months and for specified diseases waiting period is 24 months.
  8. Ambulance charges of up to INR 5,000/- and INR 8,000/- for threshold of 5 & 8 Lakhs respectively.

New india top-up mediclaim policy - premium chart

Threshold (INR)Sum Insured (INR)Premiums applicable at different ages (excluding tax)
PRIMARY MEMBER
18-4445-5455-60
5,00,0005,00,000180029004020
10,00,000280045006300
15,00,000350056008040
8,00,0007,00,000160025003840
12,00,000230037005760
17,00,000300047007440
22,00,000360056008940
Threshold (INR)Sum Insured (INR)Premiums applicable at different ages (excluding tax)
ADDITIONAL MEMBER
0-1718-4445-5455-6061-65
5,00,0005,00,000700900145020103350
10,00,00011001400225031505250
15,00,00014001750280040206700
8,00,0007,00,000600800125019203200
12,00,0009001150185028804800
17,00,00012001500235037206200
22,00,00014001800280044707450

Once the Insured Person crosses the age of 65 years,the applicable premium on renewal will be loaded by 2.5% per year. This loading is applicable on premium for the age band of 61 - 65years.E.g.: Premium for a person aged 69 for SI of 22,00,000 will be 7450 (base premium of 61-65) + (7450 * (2.5%*4)) = 8195

* Kindly refer to policy clause/prospectus for detailed information

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