PRE and POST Hospitalisation Rider

PRE and POST Hospitalisation Rider

1. Benefits Covered Under This Rider

• Pre-Hospitalization: Covered up to 90 days (includes the pre-hospitalization limit under the base policy).
• Post-Hospitalization: Covered up to 180 days (includes the post-hospitalization limit under the base policy).

2. Standalone Purchase

• No, this rider cannot be purchased as a standalone product. It must be bought alongside an eligible base policy.

3. Applicable Base Policies

This rider can be attached to the following base policies:

1. New India Mediclaim Policy
2. New India Floater Mediclaim Policy
3. Young India Digi Health Policy
4. Arogya Sanjeevani Policy
5. New India Asha Kiran Policy
6. New India Premier Mediclaim Policy
7. Atmanirbhar Health Policy
8. New India Top-Up Policy

4. Eligibility to Opt for This Rider

• Available to insured persons covered under any of the above base policies.

5. Age Group for Purchase

• The age criteria will follow the terms of the base policy.

6. Restrictions for Buying this Rider

• Persons diagnosed with (or previously diagnosed with) critical/chronic/recurring illnesses (except hypertension and diabetes).
• Coverage Conditions:
  • Expenses are only admissible if incurred during inpatient hospitalization in India.

7. Minimum Sum Insured Requirement

• The rider can only be opted for if the base policy has a sum insured of ₹5 lakhs or higher.

8. Cancellation Policy

• Cancellation follows the terms and conditions of the base policy.

9. Exclusions

• All exclusions under the base policy apply, unless explicitly covered under this rider.

10. Premium Calculation

• The rider premium is 5% of the base policy’s annual premium.