New India Assurance Janata Mediclaim Policy

New India Janata Mediclaim Policy is basically available for any person aged between 18 to 60 years old. Children between the ages of 3 months to 18 years can also be covered under this health insurance policy from New India Assurance Co. Ltd. given that their parents are covered under the same plan. Individuals exceeding the age limit of 60 years can also be covered under New India Janata Mediclaim Policy only if they have been covered with the same insurance provider from past years.

To avail New India Janata Mediclaim Policy, you will have to sign a proposal form. You can be asked by the insurance company to submit the medical history from listed doctors. New India Assurance Co. Ltd. has all the rights to reject the proposal form in case of any misrepresentation or extreme medical condition.

Key Features and Benefits of New India Assurance Janata Mediclaim Policy

• New India Janata Mediclaim Policy offers attractive discount on premiums if renewals are done with a good claim history.
• Under this mediclaim plan from New India Assurance, the cost of treatment conducted in general ward is limited up to the actual expense or Rs 450 per day, whichever is less.
• New India Janata Mediclaim Policy covers pre hospitalization expenses up to 30 days as well as the post hospitalization expenses for up to 60 days subject to 10% maximum of hospital bills.
• Premium under this health insurance policy depends on the age of the buyer. There are mainly two types of Sum Insured slabs available under this policy – Rs. 50,000/- and Rs. 75,000/-.
• The total amount payable under New India Janata Mediclaim Policy will not go beyond Sum Insured in any case.
• You can avail discount if your family is covered under this policy.
• The health insurance company will pay for the cost of health check up after every 4 continuous claim-free years.
• New India Janata Mediclaim Policy covers the ambulance charges up to actual expenses or Rs. 1000/-, whichever is less.

New India Assurance Janata Mediclaim Policy Details

• The minimum Sum Insured of the policy is Rs. 50,000/-
• The maximum Sum Insured of the policy is Rs. 75,000/-
• Cumulative bonus is offered with New India Janata Mediclaim Policy. The Sum Insured amount will be increased by 5% at each renewal against every claim free year. However, the maximum bonus applicable is 30%.
• Free look period of 15 days is offered under New India Janata Mediclaim policy to review the terms and conditions of the policy. If you are not satisfied or happy with the health insurance policy, you can return the policy during this free look period.
• New India Assurance Janata Mediclaim Policy is issued for one year and after every one year you will have to renew the policy with the same insurance company to avail the benefits such as cumulative bonus as per terms and conditions.
• The New India Assurance Company in no case will be legally responsible to pay an amount that exceeds beyond the Sum Insured promised to the insured.
• Additional riders are available with New India Assurance Janata Mediclaim Policy.
• In order to avail the cashless claim facility with the health insurance policy, the insured has to get treatment from the agreed list of network hospitals registered with the company.
• You can only port his policy to some other health insurance company as per IRDA guidelines.
• You can cover your family members under this New India Janata Mediclaim Policy.

New India Assurance Janata Mediclaim Policy Coverage

• Under New India Janata Mediclaim Policy day care treatments are covered up to specific limits.
• New India Janata Mediclaim Policy will cover the ICU expenses.
• This mediclaim policy will cover ayurvedic treatments up to 25% of Sum Insured given that it is required for any illness or injury.
• The fees of Anesthetist, Surgeon, Consultants’ Specialist and Medical Practitioner are under this policy.

New India Assurance Janata Mediclaim Policy Exclusions

• New India Janata Mediclaim Policy will not cover dental treatment except if it is caused due to an accident.
• The policy will not cover cosmetic surgeries except it is required due to an accident.
• Pre-existing diseases will not be covered for 48 months (4 years) from the date of commencement of New India Janata Mediclaim Policy.

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