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About New India Assurance Senior Citizen Mediclaim Policy

new india health insurance The senior most member of your family will get the utmost health care by the assurance of the Senior citizen mediclaim policy of the New India Assurance. The needed medical help along with the best financial support can be done now through investing in the New India assurance.

Health Insurance Policy Types

Senior Citizen

Treatment cost for the elderly members are high, but with investing in the New India Health Assurance they can get the best financial support for medical need.

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Critical Illness

New India Assurance provides the best help to stable critical illness. Critical care for listed critical illness can be drawn with the mediclaim insurance of New India.

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Family Floater

Your insured money for mediclaim policy now can be shared also among the other family members apart from your spouse or parents.

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Individual

To secure all health related issues investing in the individual health-insurance would benefit you the most. It will provide the best financial help for health.

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Group Mediclaim Policy

Companies and business houses can take-care their employees by investing in the group mediclaim policy. Companies can take the best advantage of it.

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New India Assurance - Package Motor Policy

The package motor policy shields the policyholder from Third-Party Liability and protects the vehicle of the insured from a range of natural and man-made disasters as well.

New India Assurance Two Wheeler Policy

New India Assurance Two Wheeler Policy shields the policyholder from Third-Party Liability and protects the vehicle of the insured from a range of natural and man-made disasters as well.

New India Assurance Senior Citizen Mediclaim Policy

New India Assurance Senior Citizen Mediclaim Policy is designed for elderly people between 60 and 80 years of age and provides a maximum coverage of Rs 1.5 lakh.

Top Policies
New India Assurance Asha Kiran Policy

The New India Asha Kiran Policy covers the expenses of treatment of entire family of the policyholders within India and offers personal accident coverage to parents.

New India Assurance Janta Mediclaim Policy

New India Janata Mediclaim policy covers self, spouse. Parents can also include maximum two dependent children between the ages of 3 months and 18 years.

New India Assurance Oversees Mediclaim Policy

New India Assurance Oversees Mediclaim Policy covers medical expenses of insured persons due to sickness, injuries while travelling outside India.

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Senior Citizen mediclaim policy is designed for senior residents of India who are aged between 60 to 80 years. Anyone can avail the benefits of this policy with sum assured from 1 lakhs to 1.5 lakhs. One cannot go beyond the sum assured of 1.5 lakhs.

This policy can be availed by anyone who is above 60 years of age. This policy coverage can go up to 90 years age for the insured and his/her spouse if there is no break in the policy. The person who wishes to avail the benefits of this insurance policy must undergo a pre-acceptance health check-up at their own expenses to determine any pre-existing disease. In case if the insurer already has a mediclaim policy with New India Assurance, this health check-up is waived off.

Most of the policies are designed for healthy people, as they have lesser medical expenses compared to elderly people. Even if there are plans for senior citizens, the sum assured is always on the higher side. In this policy, the sum assured is quite reasonable and one can avail it within 60- 80 years of age. Along with hospitalization expenses for accidents and critical illnesses, this policy also covers pre and post hospitalization expenses.

  • New India Assurance Senior Citizen Mediclaim Policy offers Cashless treatment at network hospitals
  • New India Assurance Senior Citizen Mediclaim Policy offers reimbursement facility at non-network hospitals
  • Insured can avail cashless facility if s/he treats himself or his/her family members in network hospitals.
  • New India Assurance Senior Citizen Mediclaim Policy covers Pre-hospitalization expensesupto 30 days immediately before hospitalization (maximum of 5% of hospital bill can be reimbursed)
  • New India Assurance Senior Citizen Mediclaim Policy covers post-hospitalization expenses upto 60 days immediately after discharge(maximum of 10% of hospital bill can be reimbursed)
  • New India Assurance Senior Citizen Mediclaim Policy covers entire expenses of inpatient Hospitalization
  • New India Assurance Senior Citizen Mediclaim Policy covers Room rent upto 1% of Sum Insured per day (a maximum of 25% of Sum Insured)
  • New India Assurance Senior Citizen Mediclaim Policy covers ICU expenses upto 2% of Sum Insured per day (a maximum of 25% of Sum Insured)
  • New India Assurance Senior Citizen Mediclaim Policy covers Surgeon, Anesthetist, Medical Practitioner, Consultant’s Specialist fees up to maximum 25% of Sum Insured
  • New India Assurance Senior Citizen Mediclaim Policy covers Anesthesia, blood, oxygen, OT charges, surgical appliances, medicines, drugs, diagnostic material, X Ray and artificial implants up to 50% of Sum Insured
  • You can also get good income tax rebates as per sec. 80D of Income tax Act.
  • New India Assurance Senior Citizen Mediclaim Policy covers Ayurvedic/ Homeopathic/ Unani treatment up to 25% of Sum Insured
  • New India Assurance Senior Citizen Mediclaim Policy covers Emergency ambulance expenses up to a maximum of Rs 1000 covered
  • New India Assurance Senior Citizen Mediclaim Policy covers entire expenses of Organ donor expenses & hospitalization costs during transplant
  • New India Assurance Senior Citizen Mediclaim Policy provides Coverage since inception of policy only on payment of additional premium of 10% of basic premium for each condition in case of Pre existing hypertension, diabetes mellitus
  • New India Assurance Senior Citizen Mediclaim Policy covers Health Check Up once after every 4 claim free years upto 1% of sum insured excluding cumulative bonus
  • New India Assurance Senior Citizen Mediclaim Policy covers Cataract with imported foldable lens up to a maximum of Rs. 10000
  • Covers entire medical and hospitalization charges for any injury or illness
  • Covers chronic pre-existing illnesses (for every chronic pre-existing 10% more premium is charged)
  • Ambulance and other miscellaneous costs covered
  • Limited cover for medical and hospitalization expenses in government approved and registered Ayurvedic, Unani and Homeopathic hospitals
  • After every 4 claim free years, reimbursement of health check-up expenses
  • Income tax benefits under section 80D
  • 10% family discount if spouse is covered in the policy
  • 10% of discount for voluntary excess of Rs.10,000
  • 5% added to sum assured for each claim free year. Can be up to maximum amount of 30% of initial Sum insured. On acceptance of claim during any policy year, entire cumulative bonus earned shall be withdrawn in subsequent policy year.
  • Pre-and post hospitalization expenses
  • Cashless hospitalization at all network hospitals
  • Fast reimbursement and claim settlement if treated in non-network hospitals
  • Ambulance and miscellaneous costs covered
  • Alternate treatment expenses covered
  • Pre-existing diseases can be covered after 18 months of the policy
  • Age related diseases like Osteoporosis, Osteoarthritis, joint replacement etc. due to degenerative condition to be covered after 48 months of the policy
  • Pre-existing diseases can be covered after a period of 18 months
  • No claim period for 30 days where one cannot claim hospitalization costs except for accidental injuries
  • Waiting period for 48 days for age related degeneration like Osteoporosis, joint replacement and Osteoarthritis
  • Costs of braces and contact lenses
  • Naturopathy treatment expenses
  • Physical injury caused by HIV/AIDs, act of violence or adventurous acts
  • Self inflicted physical injury
  • Dialysis, radiotherapy, chemotherapy or dental treatment
  • Self
  • Spouse
  • Dependent parents
  • For Sum Insured Rs. 1,00,000, people in the age-group of 60-65 years pay Rs. 3850
  • For Sum Insured Rs. 1,00,000, people in the age-group of 66-70 years pay Rs. 4250
  • For Sum Insured Rs. 1,00,000, people in the age-group of 71-75 years pay Rs. 4700
  • For Sum Insured Rs. 1,00,000, people in the age-group of 76-80 years pay Rs. 5150
  • For Sum Insured Rs. 1,50,000, people in the age-group of 60-65 years pay Rs. 5720
  • For Sum Insured Rs. 1,00,000, people in the age-group of 66-70 years pay Rs. 6310
  • For Sum Insured Rs. 1,00,000, people in the age-group of 71-75 years pay Rs. 6980
  • For Sum Insured Rs. 1,00,000, people in the age-group of 76-80 years pay Rs. 7650

The Y axis of this chart shows the amount of premium the insured has to pay according to his/her age, while the X axis shows the amount of sum assured.

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If you are an Indian senior citizen and aged between 60 to 80 years, you are eligible to avail the benefits of this policy.

In order to get this insurance, all you need to do is get a medical check-up at your cost prior to availing this policy to identify your pre-existing diseases.

A free look up period is the span of time provided to the proposer after purchasing the policy. In this span of time if the proposer wishes to discontinue the policy, s/he can do it easily and can get the entire amount back.