New India Assurance Jan Arogya Bima: Benefits, Premium, Renewal

New India Assurance Jan Arogya Bima

The New India Assurance Jan Arogya Bima Insurance plan is designed to offer affordable medical insurance with a lower premium rate. The coverage includes all features of a regular Mediclaim policy other than the cumulative bonus and medical checkup. This policy covers hospitalization expenses or domiciliary treatment for illness and injury sustained in India. The New India Assurance Jan Arogya Bima Health Insurance policy is offered for 1 year. The policy helps the economically backward sections of the Indian society to avail of medical insurance benefits at affordable costs.

Eligibility Criteria

The minimum eligibility criteria to buy this plan are:

Type	Individual or Family Floater
Minimum Entry Age	5 years (children between ages 3 months to 5 years are covered provided parent is covered)
Maximum Entry Age	70 years
Number of people covered	Individual, spouse and 2 dependent children.
Residential Status	Residents of India, including citizens, permanent residents, foreigners holding an employment pass, dependent pass or work permit

Coverage Offered

The basic coverage offered under the New India Assurance Jan Arogya Bima Insurance policy includes:

Coverage for expenses for hospitalization or domiciliary treatment in India for illness or injury sustained.
Hospitalization expenses covered include:
Room rent, Boarding expenses
Surgeon, Physician, Anesthetist and Consultant fees
Expenses for Blood, Oxygen, Drugs, Medicines, Drugs, Operation Theatre, X-Ray, Diagnostics, Dialysis, Chemotherapy, etc.
- Expenses for Day Care treatment are covered.
- Domiciliary hospitalization expenses are covered.
- Pre-hospitalization medical expenses incurred 30 days immediately before the insured person is hospitalized are covered.
- Post-hospitalization medical expenses incurred 60 days immediately after the insured person is discharged are covered under this policy.
- Hospitalization and inpatient care expenses for more than 24 hours of hospitalization for specified procedures or treatments are covered.

Inclusions of the New India Assurance Jan Arogya Bima Insurance Plan

Apart from the basic coverage, the New India Assurance Jan Arogya Bima Insurance plan includes coverage for:

Expenses incurred for treatment of diseases like are covered:

Asthma
Bronchitis
Diarrhea
Chronic Nephritis and Nephritic Syndrome
Diabetes
Epilepsy
Hypertension
Arthritis, Gout and Rheumatism
All psychiatric & psychosomatic disorders
Pyrexia of unknown origin for less than 10 days
Influenza, Cold & Cough
Tonsillitis, Laryngitis and Pharyngitis

Hospitalization for the treatment for the procedures given below is also covered:

Dialysis
Radiotherapy
Lithotripsy (kidney stone removal)
Tonsillectomy
Chemotherapy
Eye Surgery
D & C
Dental Surgery

Exclusions of the New India Assurance Jan Arogya Bima Insurance Plan

The New India Assurance Jan Arogya Bima Health Insurance policy will not reimburse the expenses incurred for the following:

Benefits for pre-existing conditions or diseases available after 48 months of continuous coverage
Hospitalization expenses in the first 30 days from the insurance commencement except in case of accidental injury
Expenses during the first year of treatment such as Cataract, Hysterectomy, Benign Prostatic Hypertrophy, Fibromyoma, Hernia and Congenital internal diseases
Injury due to war, invasion of a foreign enemy and warlike operations
Circumcision
Cost of spectacles, hearing aids or lenses
Maternity expenses including those for childbirth and delivery
Naturopathy treatment

*For a complete list of exclusions, please refer to the policy document.

Features & Benefits of the New India Assurance Jan Arogya Bima Insurance Plan

The salient features and benefits of the New India Assurance Jan Arogya Bima Insurance plan are:

This policy is designed to offer affordable medical insurance to the economically weaker sections of the society with a premium up to Rs 10,000 per year.
The Sum Insured for this policy per person is restricted to Rs 5000.
This policy can be opted by individuals and their family members between the ages 5 and 70 years.
The premium paid and the benefits received under this policy are eligible for tax benefits as per Sec80D of the Income Tax Act 1961.

Cancellation Terms of the Policy

The New India Assurance Jan Arogya Bima Insurance policy can be canceled by the insurer anytime by sending a 30-day notice to the policyholder. The company will refund to the insured the pro-rated premium for the unexpired insurance period. The company is liable to pay any claim that arose before the date of cancellation.

The insured may choose to cancel the policy anytime. In such an event, the company will allow a refund of premium at the company's short period rate.

FAQs

Q. How does one buy New India Assurance Jan Arogya Bima Insurance plan?

Ans: New India Assurance Jan Arogya Bima Insurance plan cannot be purchased online. The subscriber must contact his nearest New India Assurance office agent or agent to fill out the application form, pay the premium and purchase the policy.
Q. What is the free look period for the New India Assurance Jan Arogya Bima Insurance policy?

Ans: The free look period offered under this policy is 30 days within which, the insured can return the policy if he is not satisfied with its terms and conditions.
Q. When will the insurance provider settle any claim under this policy?

Ans: The insurance company will settle any claim under this policy within 30 days after receipt of all essential claim documents.
Q. Can the New India Assurance Jan Arogya Bima Insurance policy be ported?

Ans: This policy is subject to portability as per the guidelines issued by the IRDAI.
Q. What constitutes a Pre-existing condition under this policy?

Ans: Any condition, ailment or disease for which the insured had signs and symptoms were diagnosed or treated within 48 months prior to the company's first policy.

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