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New India Assurance Company - Products
Medi-Claim
This policy reimburses the hospitalisation expenses incurred in a hospital/nursing
home for any disease/illness contracted or injury sustained during the policy period. Age
5-80 years (children >3 months can be covered if one/both parents are covered).
Sum Insured can be chosen from Rs.15,000/- to Rs.5,00,000/- in multiples of
Rs.5,000/-. The premium varies depending upon the age of the person and the sum
insured selected.
Treatment can be taken in any hospital(as defined in the policy)anywhere in India and the
minimum period of hospitalisation is 24 hrs except for certain treatments like
chemotherapy, tonsillitis, lithotrities etc. Pre-hospitalisation expenses upto 30
days and Post-hospitalisation expenses upto 60 days are also covered.
10% family discount is given in respect of premium for self, spouse, dependent children
and dependent parents. Further premium paid in respect of ‘family’ upto
Rs.10,000/- is eligible for tax exemption under Sec. 80-D of I.T Act.
The important exclusions are “All pre-existing diseases, diseases contracted during
the first 30 days of the policy (not applicable in case of renewals), first year exclusion
of certain diseases like cataract, hysterectomy, hernia etc.
The premium is as low as Rs.1,075 + 5% service tax for a sum insured of Rs.1 lakh for
persons upto to 45 years of age.
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