New India Floater Mediclaim Policy Introduction
New India Floater Mediclaim Policy is a health insurance policy which was designed by New India Assurance Company Ltd. New India Floater Mediclaim Policy covers Medical expenses incurred by you for the treatment of any Illness or Disease or Injury during Policy period. Insured can cover his/her entire family under a single Sum Assured. New India Floater Mediclaim policy cannot be given to a single person. Minimum 2 members are required in this New India Assurance Floater Mediclaim policy. In this policy maximum 6 members can be covered.
New India Floater Mediclaim Policy Terms and Eligibility Conditions
| Entry Age: |
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| Entry Age for dependent children: |
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| Policy Period: |
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| Sum Insured: |
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| Renewal till age: |
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| Grace Period: |
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| Pre-acceptance health checkup: |
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| Members Covered: |
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New India Floater Mediclaim Policy Review and Features
- New Born Baby to an insured mother, is covered for any Illness or Disease or Injury from the DOB (date of birth) till the expiry date of the Policy, who has 2 years of Continuous Coverage.
- New India Floater Mediclaim Policy gives protection for you and your family against unforeseen Hospitalisation expenses.
- Hospital Cash Benefit: Payment of Hospital Cash @ 0.1% of Sum Insured per day of Hospitalisation.
- Critical Care Benefit: Company will pay flat 10% of SI (Sum Insured) as additional benefit if any Insured Person is suffering from any Critical Illness listed.
- If you (Insured) or any member under insurance is not satisfied with terms and conditions of New India Assurance Floater Mediclaim Policy, Free Look Period of 15 days is allowed to return the policy.
- Avail Tax Benefit under Section 80 D of the Income Tax Act, 1961. For information about Tax on Insurance Policies, refer www.taxqueries.in.
New India Floater Mediclaim Policy 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 – 10% of Sum Insured or Rs. 50,000/- 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 – 30 days after discharge from the hospital.
- Day Care treatments.
New India Floater Mediclaim Policy 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.
- 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 Floater Mediclaim policy Exclusions, please refer New India Floater Mediclaim policy document attached below.
New India Floater Mediclaim Policy Customer Care
For any information or queries or doubts regarding New India Floater Mediclaim policy call Toll Free number : 1800-209-1415.
You can also contact The New India Assurance Co. Ltd. through E-Mail: ombudsmanmumbai@gmail.com
Postal Address:
The New India Assurance Co. Ltd.,
87, M.G.Road, Fort,
Mumbai – 400 001.
New India Floater Mediclaim Policy Proposal Form
To buy New India 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 Floater Mediclaim Proposal Form
New India Floater Mediclaim Policy Claim Form
New India Floater Mediclaim Claim Form is to submitted to The New India Assurance Office or TPA during claim settlement. It is to be filled completely and accurately.
Download New India Floater Mediclaim Policy Claim Form
New India Floater Mediclaim Premium Calculator
You can calculate the premium using New India Assurance Floater Mediclaim Premium calculator. Personal details, Number of members, Policy period, Age and Sum assured and other details are required to calculate the premium.
New India Floater Mediclaim policy Premium Rates
New India Mediclaim Floater Premium chart is as shown under,
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.
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Sum Insured
|
Zone |
PRIMARY MEMBER – Premiums applicable at different ages (Rs. per annum) |
||||||||
| 0 to 20 | 21 to 30 | 30 to 35 | 36 to 40 | 41 to 45 | 46 to 50 | 50 to 55 | 55 to 60 | 60 to 65 | ||
| Rs.2,00,000/- |
I |
1,860/- | 2,530/- | 3,010/- | 3,690/- | 4,790/- | 5,850/- | 8,170/- | 10,000/- | 16,860/- |
| Rs.3,00,000/- |
I |
2,780/- | 3,670/- | 4,140/- | 5,050/- | 6,560/- | 8,010/- | 11,640/- | 14,220/- | 24,040/- |
| Rs.5,00,000/- |
I |
4,270/- | 5,800/- | 6,530/- | 7,990/- | 9,280/- | 11,340/- | 17,060/- | 20,860/- | 35,420/- |
| Rs.8,00,000/- |
I |
5,680/- | 7,710/- | 8,690/- | 10,630/- | 12,350/- | 15,080/- | 22,690/- | 28,180/- | 47,110/- |
| Rs.2,00,000/- |
II |
1,690/- | 2,300/- | 2,740/- | 3,350/- | 4,350/- | 5,320/- | 7,430/- | 9,090/- | 15,330/- |
| Rs.3,00,000/- |
II |
2,530/- | 3,340/- | 3,760/- | 4,590/- | 5,960/- | 7,280/- | 10,580/- | 12,930/- | 21,850/- |
| Rs.5,00,000/- |
II |
3,880/- | 5,270/- | 5,940/- | 7,260/- | 8,440/- | 10,310/- | 15,510/- | 18,960/- | 32,200/- |
| Rs.8,00,000/- |
II |
5,160/- | 7,010/- | 7,900/- | 9,660/- | 11,230/- | 13,710/- | 20,630/- | 25,620/- | 42,830/- |
| Rs.2,00,000/- |
III |
1,520/- | 2,070/- | 2,470/- | 3,020/- | 3,920/- | 4,790/- | 6,690/- | 8,180/- | 13,800/- |
| Rs.3,00,000/- |
III |
2,280/- | 3,010/- | 3,380/- | 4,130/- | 5,360/- | 6,550/- | 9,520/- | 11,640/- | 19,670/- |
| Rs.5,00,000/- |
III |
3,490/- | 4,740/- | 5,350/- | 6,530/- | 7,600/- | 9,280/- | 13,960/- | 17,060/- | 28,980/- |
| Rs.8,00,000/- |
III |
4,640/- | 6,310/- | 7,110/- | 8,700/- | 10,110/- | 12,340/- | 18,570/- | 23,060/- | 38,550/- |
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Sum Insured |
Zone |
ADDITIONAL MEMBER – Premiums applicable at different ages (Rs. per annum) |
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| 0 to 20 | 21 to 30 | 30 to 35 | 36 to 40 | 41 to 45 | 46 to 50 | 50 to 55 | 55 to 60 | 60 to 65 | ||
| Rs.2,00,000 |
I |
Rs.250 | Rs.360 | Rs.510 | Rs.620 | Rs.1,100 | Rs.1,340 | Rs.2,840 | Rs.3,470 | Rs.10,960 |
| Rs.3,00,000 |
I |
Rs.370 | Rs.520 | Rs.680 | Rs.840 | Rs.1,510 | Rs.1,850 | Rs.4,030 | Rs.4,930 | Rs.15,610 |
| Rs.5,00,000 |
I |
Rs.570 | Rs.830 | Rs.1,090 | Rs.1,330 | Rs.2,130 | Rs.2,610 | Rs.5,910 | Rs.7,230 | Rs.23,010 |
| Rs.8,00,000 |
I |
Rs.760 | Rs.1,100 | Rs.1,450 | Rs.1,770 | Rs.2,840 | Rs.2,470 | Rs.7,850 | Rs.9,610 | Rs.30,600 |
| Rs.2,00,000 |
II |
Rs.230 | Rs.330 | Rs.460 | Rs.560 | Rs.1,000 | Rs.1,220 | Rs.2,580 | Rs.3,150 | Rs.9,960 |
| Rs.3,00,000 |
II |
Rs.340 | Rs.470 | Rs.620 | Rs.760 | Rs.1,370 | Rs.1,680 | Rs.3,660 | Rs.4,480 | Rs.14,190 |
| Rs.5,00,000 |
II |
Rs.520 | Rs.750 | Rs.990 | Rs.1,210 | Rs.1,940 | Rs.2,370 | Rs.5,370 | Rs.6,570 | Rs.20,920 |
| Rs.8,00,000 |
II |
Rs.690 | Rs.1,000 | Rs.1,320 | Rs.1,610 | Rs.2,580 | Rs.3,150 | Rs.7,140 | Rs.8,740 | Rs.27,820 |
| Rs.2,00,000 |
III |
Rs.210 | Rs.300 | Rs.410 | Rs.500 | Rs.900 | Rs.1,100 | Rs.2,320 | Rs.2,840 | Rs.8,960 |
| Rs.3,00,000 |
III |
Rs.310 | Rs.420 | Rs.560 | Rs.680 | Rs.1,230 | Rs.1,510 | Rs.3,290 | Rs.4,030 | Rs.12,770 |
| Rs.5,00,000 |
III |
Rs.470 | Rs.680 | Rs.890 | Rs.1,090 | Rs.1,750 | Rs.2,130 | Rs.4,830 | Rs.5,910 | Rs.18,830 |
| Rs.8,00,000 |
III |
Rs.620 | Rs.900 | Rs.1,190 | Rs.1,450 | Rs.2,320 | Rs.2,840 | Rs.6,430 | Rs.7,870 | Rs.25,040 |
New India Floater Mediclaim Policy FAQ’s
When will be the Sum Insured Enhanced?
Sum Insured will be enhanced at the time of renewal.
During the course of my treatment, can I change the hospital?
Yes, you can shift to another hospital for requirement of better medical procedure.
Can I Cancel the New India Floater Mediclaim Policy?
- You (The Insured person) may cancel the policy at any time during the policy term. In such case the company shall refund of premium.
- Company may cancel your policy on grounds of misrepresentation, fraud etc. by sending you 15 days notice.
Give me the list of Critical Illnesses covered under Critical Care Benefit?
- Cataract & age related eye ailments
- Benign ear, nose, throat disorders
- Benign prostate hypertrophy
- Hernia of all types
- Treatment for Menorrhagia, Myoma & Prolapsed uterus
- Piles, Fissures & Fistula in anus
- All internal & external benign tumours, cysts, polyps of any kind, including benign breast lumps
- Stones in Urinary system
- Gastric/ Duodenal Ulcer
- Stone in Gall Bladder & Bile duct, excluding malignancy
- Hydrocele
- Pilonidal sinus, Sinusitis & related problems
- Stone in Gall Bladder & Bile duct, excluding malignancy
- Non Infective Arthritis
- Prolapse inter Vertebral Disc & Spinal Diseases unless arising from accident
- Gout & Rheumatism
- Skin Disorders
- Hypertension
- Varicose Veins & Varicose Ulcers
- Diabetes Mellitus
New India Floater Mediclaim Forms and Documents
New India Floater Mediclaim Policy document
New India Floater Mediclaim Prospectus