New India Senior Citizen Mediclaim Policy

Here is the list of the salient features and benefits of the New India Senior Citizen Mediclaim Policy

1. Pre-existing illnesses: After the policy has been in effect for at least 18 months, pre-existing conditions like diabetes mellitus and the issues that come with it, hypertension, etc. will be covered provided that the customer has also paid additional premiums.

2. Varied Sum Insured: There are two sum assured options, i.e. Rs.1 lac and/or Rs.1.5 lacs, depending upon the preference of the customer.

3. Dedicated Day Care Centre: Scientific advancements have made it possible for some procedures and treatments to be performed without a patient being hospitalized for a minimum of 24 hours. These processes are covered under this plan.

4. Pre-Hospitalization: Up to 5% of the hospital bill, the insurance provider will pay for your hospitalization-related medical costs incurred within 30 days after the hospitalization.

5. Post Hospitalization: The insurance provider will cover your hospitalization-related medical costs for 60 days following discharge, up to a maximum of 10% of the hospital bill.

6. Coverage for non-allopathic medical expenses: Up to a maximum of 25% of the insured amount, you may claim any treatment received through alternative medicine such as Ayurveda, Unani, or homeopathy. Only if you seek the specified treatment in a government hospital or another facility that has been officially approved by the government or another governing authority will this claim be honored by the conditions of the policy.

7. Organ Donor Cover: If you ever have to choose organ donation, the hospitalization costs for the donor’s operation (excluding the cost of the organ) will be reimbursed up to the amount insured.

8. Health Check-Up: A health examination is required every four claim-free years. The maximum amount that can be repaid for this sum is 1% of the typical sum insured.