New India Jan Arogya Bima policy

New India Assurance Jan Arogya Bima Policy benefits

• Eligibility Criteria of New India Assurance Jan Arogya Bima Policy

  The policy is available to individuals and family members. The age limit is 5 to 70 years. Children between the age of 3 months and 5 years can be covered provided one or both parents are covered concurrently.

• Coverages of New India Assurance Jan Arogya Bima Policy

  • The Policy covers reimbursement of Hospitalisation Expenses or Domiciliary Treatment in India under Domiciliary Hospitalisation benefit for Illness/ Injury sustained.
  • In event of any claim being admissible, following Reasonable and Customary expenses are reimbursable under the policy:
    • Room, Boarding Expenses as provided by the Hospital
    • Nursing Expenses
    • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees.
    • Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs & Cost of Organs and similar expenses.

• Exclusions under New India Jan Arogya Bima policy

  The Company shall not be liable to make any payment under this policy in respect of anyexpenses whatsoever incurred by any insured with or in respect of:
  • PRE-EXISTING DISEASES/CONDITION BENEFITS will not be available for any condition(s)as defined in the policy, until 48 months of continuous coverage have elapsed, sinceinception of the first policy with the Company.
  • Any expenses on Hospitalisation incurred during first 30 days from the commencementdate of insurance cover except in case of Injury arising out of accident.
  • During the first year of the operation of insurance cover, the expenses on treatment ofdiseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagiaor Fibromyoma, Hernia, Hydrocele, Congenital Internal diseases. Fistula in anus, piles,Sinusitis and related disorders are not payable.
  • Injury or Illness, directly or indirectly caused by arising from or attributable to WarInvasion Act of Foreign Enemy, Warlike operations (whether war be declared or not).
  • Circumcision unless necessary for treatment of an Illness not excluded hereunder or asmay be necessitated due to an accident, vaccination or inoculation or change of life orcosmetic or aesthetic treatment of any description, plastic surgery other than as may benecessitated due to an accident or as a part of any Illness.
  • Cost of spectacles and contact lenses, hearing aids.
  • Dental treatment or surgery of any kind unless requiring Hospitalisation.
  • Convalescence, general debility, "Run-down" condition or rest cure, congenital externaldisease or defects or anomalies, sterility, venereal disease, intentional self-Injury and useof intoxicating drugs/alcohol.
  • All expenses arising out of any condition directly or indirectly caused due to or associatedwith HumanT-Cell Lymphotropic Virus III (HTLB-III) or Lymphadinopathy Associated Virus(LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome orcondition of a similar kind commonly referred to as AIDS.
  • Charges incurred at Hospital primarily for diagnostic, X-Ray or laboratory examinationsnot consistent with or incidental to the diagnosis and treatment of the positive existenceor presence of any Illness or Injury, for which confinement is required at a Hospital.
  • Expenses on vitamins and tonics unless forming part of treatment for Injury as certified bythe attending Physician.
  • Injury or Illness directly or indirectly caused by or contributed to by nuclearweapons/materials.
  • Maternity Expenses.
  • Naturopathy treatment.
  • Treatment for Age Related Macular Degeneration (ARMD) , treatments such as RotationalField Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP),Enhanced External Counter Pulsation (EECP), Hyperbaric Oxygen Therapy

  Disclaimer:“For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”