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India health insurance tips and tricks to choose the best medical insurance in India.
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New India Assurance Family Floater health insurance offers comprehensive and best health insurance coverage for Indians aged from 18 years to 60 years.
The insured above 60 years can continue to get medical insurance coverage if they are insured under the same policy without any break in coverage. It covers Self, Spouse, and maximum of two dependent children.
2 lacs − 100 lacs options available
97.32%
103.74%
1,683,506
87,561,000
3,000+ hospitals
Self, Spouse + dependent children + parents
New India Floater Mediclaim is a Policy designed to cover Hospitalisation expenses.
| Sl No | Coverage Details | Sum Insured |
|---|---|---|
| 1. | Sum Insured options available | 2,00,000, 3,00,000, 5,00,00, 8,00,000, 10,00,000, 2,00,000 |
| 2. | Room Rent, Boarding and Nursing expenses as provided by the Hospital | Not exceeding 1.0 % of the Sum Insured per day |
| 3. | Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses | Not exceeding 2.0 % of the Sum Insured per day. |
| 4. | Surgeon, Anaesthetist, Medical Practioner, Consultant and Specialist Fees + Nursing Fees | Covered |
| 5. | Pre Hospitalisation expense – expenses incurred days prior to the date of Hospitalisation. Post Hospitalisation – expenses incurred post the date of discharge |
30 days 60 days |
| 6. | Cataract (The said limit shall be applicable per event for all the Policies of Our Company including Group Policies. Even if two or more Policies of New India are invoked, sublimit of the Policy chosen by Insured shall prevail and our liability is restricted to stated sublimit.) |
10% of Sum Insured subject to a maximum of Rs. 50,000 |
| 7. | Critical Care Benefit for Ist time Diagnosis of Illness **** | Up to 10% of the Sum Insured |
| 8. | Hospital cash (This benefit will reduce the Sum Insured. This benefit is payable only if the Hospitalisation is for more than 24 hours. This benefit is applicable only if the Sum Insured of the Insured Person is more than or equal to three lakhs) |
Paid at the rate of 0.1% per day maximum up to 1% of Sum Insured for any one Illness. |
| 9. | Ambulance service will be Payment under this benefit will reduce the Sum Insured. Ambulance charges will be paid once for Any One Illness for each Insured. | Payable subject to cap 1% of Sum Insured. |
| 10. | Hospitalisation Expenses relating to Organ Transplant | Covered |
| 11. | AYUSH Treatment | Up to 25% of Sum Insured |
| 12. | Congenital Internal Diseases | Covered up to the Sum Insured provided the Insured has Continuous Coverage of twenty four months |
| 13. | Congenital External Diseases | Covered up to 10% of Sum Insured provided the Insured has Continuous Coverage of forty eight months. |
| Eligibility Criteria | ||
| 1. | Entry Age / Maximum Age | All the persons proposed for this Insurance should be between the age of 18 years and 65 years. Children between the age of 3 months and 18 years are covered provided one or both parents are covered concurrently. Children between 18 years to 25 years can be covered provided they are financially dependent on the parents and one or both parents are covered simultaneously. |
| 2. | Family Members Eligible |
|
**** Critical Illness - If during the Period of Insurance any Insured Person is diagnosed for the first time to be suffering from any Critical Illness as listed below, we will pay Rs. 2,00,000 for Plan A and Rs. 5,00,000 for Plan B as additional benefit i.e. other than the admissible claim amount:
There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured.
It refers to payment of the Medical Expenses incurred by the insured while undergoing Specified Day Care Procedures/ Treatment (as mentioned in the Day Care Surgeries list), which require less than 24 hours Hospitalization.
Co-payment is a cost-sharing requirement under a health insurance policy, where the Policy Holder / insured will bear a specified percentage of the admissible costs
A ‘Free Look Period’ is a period of 15 days from the date of receipt of the policy that a policyholder, in this case you, have to review the entire health insurance plan. If you disagree with any of the terms or conditions mentioned in the policy, you have the option of returning the policy by stating the reasons for the objection. Following this, you are entitled to a refund of the premium paid, provided no claim has been made under this mediclaim insurance policy (subject only to a deduction of the expenses incurred by the company on medical examination and the stamp duty charges). Please note that this facility is not applicable on renewal and portability cases.
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