New India Assurance Janata Mediclaim Policy
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- New India Assurance Janata Mediclaim Policy
New India Assurance Janata Mediclaim Policy
This mediclaim policy is available for the persons between 18 years to 60 years. Children between 3 months to 18 years are covered provided their parents should be covered under the same policy. Persons beyond the age of 60 years are covered only if they are covered with the same insurance company from past years.
Key Features
It covers pre hospitalization charges up to 30 days and post hospitalization charges up to 60 days subject to 10% maximum of hospital bills.
Ambulance charges are covered up to actual expenses or Rs 1000 whichever is less.
The total amount payable under this policy will not exceed sum insured in any case.
Cost of treatment taken in general ward is limited up to actual expense or Rs 450 per day, whichever is less.
Benefits
Discount will be given provided covering your family under this policy.
Discount in premiums will be given in case renewals are done with good claim history.
Cost of health checkup will be incurred by the insurance company after 4 continuous claim free years.
Details about Premium
Premium in this policy depends on the age of the proposer. There are basically two sum insured slabs available under this policy- Rs 50,000 and Rs 75,000.
|
Sum insured |
3 months to 5 years |
6 years to 35 years |
36 years to 40 years |
41years to 45 years |
46 years to 50 years |
51 years to 55 years |
56 years to 60 years |
61 years to 65 years |
66 years to 70 years |
|
50,000 |
750 |
700 |
800 |
1100 |
1400 |
1550 |
1800 |
2050 |
2300 |
|
75,000 |
1125 |
1050 |
1200 |
1650 |
2100 |
2350 |
2700 |
3050 |
3450 |
Policy Details
Minimum sum insured: 50,000
Maximum sum insured: 75,000
Cumulative bonus: Under this policy, for every claim free year sum insured will be increased by 5% at each renewal and maximum bonus that is applicable is 30%.
Free look period:
Free look period of this policy is 30 days to review the terms and conditions of the policy and if the proposer is not satisfied with the policy, he can return the policy during free look period.
Period of policy:
This mediclaim policy is issued for one year and after every one year the policy holder has to renew the policy with the same company to avail benefits like cumulative bonus as per terms and conditions.
Policyholder can only port his policy to some other company as per IRDA guidelines.
Amount payable:
Company in no case will be liable to pay an amount exceeding the sum insured promised to the insured.
Additional Riders or Features
To avail the cashless claim facility the insured has to get treatment from the agreed list of network hospitals.
Insured can cover his /her family members under this policy.
Documents Required
To avail the mediclaim policy, the proposer has to sign a proposal form and insurance company can ask the proposer to submit the medical history from listed doctors.The insurance company has all the rights to reject the proposal form in case of misrepresentation or extreme medical condition.
Eligibility criteria
Persons in the age group of 18 years to 60 years can avail this policy and children in the age group of 3 months to 18 years can be covered provided parents are covered under the same policy.
Inclusions
Day care treatments are covered up to specified limits.
Ayurvedic treatments are covered up to 25% of sum insured provided it is required for any injury or illness.
ICU expenses are covered under this policy.
Surgeon, Anesthetist, Medical Practitioner, Consultants’ Specialist fees are covered.
Exclusion
Dental treatment is not covered except if it is arises out of any accident.
Cosmetic surgeries are not covered except arising out of accident.
Pre –existing diseases are not covered for 48 months from the date of commencement of policy.
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.
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