New India Asha Kiran Mediclaim Policy

Entry Age

Minimum age- 18 years Maximum age - 60 years. A person beyond the age 60 years can continue the plan provided he/she is insured under Mediclaim policy with New India Assurance without any break.

Basis

It is a Family Floater plan.

Renewability

The policy can be renewed.

Special Features

1. The policyholder can include spouse, self and maximum 2 dependents.
2. The policy does not cover Parents/Parents-in law/ brothers and sisters.

Premium

Premiums are charged based on the Individual Mediclaim Policy 2007. The policy charges 50% loading for covering spouse and 25% loading for covering every additional dependent child.

Sum assured

Minimum sum assured: Rs. 2 lakhs Maximum sum assured: Rs. 5 lakhs

Policy coverage

1. Day-care treatments and surgeries where 24 hour hospitalization is not mandatory.
2. Ambulance Charges involved in shifting the insured from residence to hospital
3. Homeopathic, Ayurvedic and Unani system of medicine are covered. The policy offers 25% of the sum Insured if the treatment is done at registered hospitals.
4. Pre-existing diseases are covered. It is subject to 4 continuous and claim free renewals with New India Assurance.
5. Pre-existing conditions such as Hypertension, Diabetes and related complications are covered, provided the policy is continued for two continuous years. You can also get cover for such pre-existing diseases by paying additional premiums.

Benefits

1. Tax benefits under Section 80D of the Indian Income Act, 1961.
2. You can get health insurance cover for your whole family under a single sum assured.
3. Get claim free renewals.
4. The policy provide extensive health insurance coverage and include multiple medical conditions and hospitalizations costs.

Discounts

1. Loyalty Discount.
2. Good Health Discount.

Exclusions

The policy does not include the following conditions :Dental treatment caused by accident, Naturopathy, Domiciliary Treatment, Cosmetic surgery, Debility and General Run Down conditions, Circumcision, Sexually transmitted diseases such as HIV, Circumcision, Cosmetic surgery, Plastic surgery, Vaccination and Inoculation, Pregnancy, War related injury, treatment outside India, expenses incurred in contact lenses, cochlear implants. .