New India Assurance Family Floater Mediclaim Policy Introduction
New India Assurance Family Floater Mediclaim Policy is a health insurance policy which was designed by New India Assurance Company Ltd. New India Assurance Family Floater Mediclaim Policy covers Medical expenses incurred by you for the treatment of any Illness or Disease or Injury during Policy period. New India Assurance Family Floater Mediclaim Policy was designed for covering all the family members with single sum insured. Floater Benefit is available under New India Assurance Family Floater Mediclaim Policy.
New India Assurance Family Floater Mediclaim Terms and Eligibility Conditions
| Entry Age: |
|
| Members Covered: |
|
| Policy Period: |
|
| Sum Insured: |
|
| Renewal till age: |
|
| Grace Period: |
|
| Pre acceptance health checkup: |
|
New India Assurance Family Floater Mediclaim Policy Review and Features
- Floater Benefit: Sum Insured under the policy, is available for any or all the members of the insured family for 1 or more claims during the policy period.
- Discount: Loyalty discount and Good health discount are available.
- Tax benefit is available in this policy under Section 80D of Income Tax Act. For information about Tax on Insurance Policies, refer www.taxqueries.in.
- Free Look Period is available for a period of 15 days from the date of receipt of policy.
- Portability is available under this policy.
- Parents or Parents-in law or brothers and sisters of proposer are not covered under New India Assurance Family Floater Mediclaim Policy.
New India Assurance Family Floater Mediclaim Inclusions
- Room Rent or Boarding or Nursing Expenses and other expenses – 1% of sum insured (SI) per day.
- ICU (Intensive Care Unit) – 2% of Sum Insured (SI) per day.
- Medical Practitioner, Surgeon, Anaesthetist, Specialists, Consultants Fees.
- Operation Theatre Charges, Anaesthesia, Oxygen, Blood, Medicines & Drugs, Surgical Appliances, etc.
- Hospitalization Expenses incurred on the organ donor (excluding cost of organ).
- For cataract claims – Actual or Rs. 24,000/- whichever is less, for each eye.
- Ambulance charges – 1% of SI (Sum Insured) or actual whichever is less.
- Ayurvedic or Homoeopathic or Unani treatment – 25% of the Sum Insured.
- Pre-hospitalization expenses – 30 days prior to the hospitalization.
- Post-hospitalization expenses – 60 days after discharge from the hospital.
- Day Care treatments.
New India Assurance Family Floater Mediclaim Exclusions
- Pre-existing diseases – covered after the waiting period of 4 years.
- In this policy, during the first 30 days of the commencement date, nothing will be payable.
- 2 (two) years waiting period for diseases like Hypertension, Diabetes Mellitus, Any Skin disorder etc.
- 4 (four) years waiting period for Age related Osteoarthritis & Osteoporosis and Joint Replacements due to Degenerative Condition.
- Domiciliary Hospitalisation, unproven treatments, Naturopathy Treatment etc.
- Dental treatment of any kind except in case of an Accident.
- Vaccination or inoculation, plastic surgery unless required for Injury due to accident.
- HIV/AIDS, War invasion, War like operations, Act of foreign enemy, Nuclear weapons, ionizing radiation etc.
- Maternity Expenses, pregnancy, abortion, miscarriage and other related problems.
For complete list of New India Assurance Family Floater Mediclaim policy Inclusions and Exclusions, please refer New India Family Floater Mediclaim policy document attached below.
New India Assurance Family Floater Mediclaim Policy Customer Care
For any information or doubts or queries regarding New India Assurance Family Floater Mediclaim policy call Toll Free number : 1800-209-1415.
You can also contact The New India Assurance Co. Ltd. through E-Mail: health.ho@newindia.co.in
Postal Address:
The New India Assurance Co. Ltd.,
87, M.G.Road, Fort,
Mumbai – 400 001.
New India Assurance Family Floater Mediclaim Policy Proposal Form
To buy New India Assurance Family Floater Mediclaim policy you need to fill the proposal form with complete and accurate information and you have to submit it to The New India Assurance Office.
Download New India Assurance Family Floater Mediclaim Proposal Form
New India Assurance Family Floater Mediclaim Policy Claim Form
New India Assurance Family Floater Mediclaim Claim Form is to submitted to The New India Assurance Office or TPA during claim settlement. It is to be filled accurately and completely.
Download New India Assurance Family Floater Mediclaim Policy Claim Form
New India Assurance Family Floater Mediclaim Premium Calculator
You can calculate the premium using New India Assurance Family Floater Mediclaim Premium calculator. Personal details, Policy period, Number of members, Age and Sum assured and other details are required to calculate the premium.
New India Assurance Family Floater Mediclaim policy Premium Rates
Under New India Assurance Family Floater Mediclaim policy, Premium is based on geographical area of treatment and age of the proposer. Premium will be charged depending on the Zone [ZONE-I (MUMBAI), ZONE-II (DELHI AND BANGALORE) AND ZONE-III (REST OF INDIA)] in which the insured undertakes treatment. Basic premium under this policy will be as per highest age of the family member.
Loading:
| Member | Loading |
| Spouse | 50% |
| Dependent child | 25% |
New India Assurance Family Floater Mediclaim Policy FAQ’s
When will be the Sum Insured Enhanced?
Sum Insured will be enhanced at the time of renewal, but pre-acceptance health checkup is required.
Can I Cancel the New India Assurance Family Floater Mediclaim Policy?
- Company may cancel your policy on grounds of misrepresentation, fraud etc. by sending you 15 days notice.
- You (The Insured person) may cancel the policy at any time during the policy period. In such case the New India Assurance company shall refund the premium, provided no claim has occurred till the cancellation date.
Period on Risk Premium to be Charged Up to 1 month 1/4th of annual rate Up to 3 months half of the annual rate Up to 6 months 3/4th of annual rate Exceeding 6 months full annual rate
New India Assurance Family Floater Mediclaim Forms and Documents
New India Assurance Family Floater Mediclaim Policy details