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. Expense incurred for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines are covered 100% of Sum insured.
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

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