New India Assurance Senior Citizen Mediclaim Policy

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy Plan, the room rent is covered up to 1% of S.I

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy Plan, ICU charges are covered up to 2% of S.I

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under New India Floater Mediclaim Policy?

Under the New India Floater Mediclaim Policy Plan medical expenses incurred during pre-hospitalization are covered for up to 30 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy Plan medical expenses incurred during pre-hospitalization are covered for up to 60 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy, domiciliary hospitalization is not covered.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under New India Floater Mediclaim Policy?

New India Floater Mediclaim Policy covers the expenses of 139 daycare procedures.

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under New India Floater Mediclaim Policy?

New India Floater Mediclaim Policy does not cover OPD charges.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under New India Floater Mediclaim Policy?

COVID-19 treatment is not covered by New India Floater Mediclaim Policy Plan.

A common eye condition in which your vision gets blurred.

Coverage status under New India Floater Mediclaim Policy?

New India Floater Mediclaim Policy Plan covers Cataract Treatment up to 10% of S.I or Rs. 50,000 for each eye OR Cataract can also be covered under optional cover wherein sum insured of the insured must be 8 Lakhs and above, the limit for Cataract will be 10% of the Sum Insured)

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under New India Floater Mediclaim Policy?

The cumulative Bonus is available under New India Floater Mediclaim Policy, 25% of the Base Sum Insured, up to a maximum of 50% for each claim-free year.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy automatic restoration is not available.

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under New India Floater Mediclaim Policy?

The daily hospital cash is available under New India Floater Mediclaim Policy at the rate of 0.1% per day maximum of up to 1% of the Sum Insured.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy, organ donor expenses are covered upto SI.

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under New India Floater Mediclaim Policy?

Under the New India Floater Mediclaim Policy Plan, maternity expenses are covered up to 10% of S.I. as an optional cover which is applicable only if the Sum Insured of the Insured person is more than or equal to Rs. 5 lakhs.

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under New India Floater Mediclaim Policy?

Covered Under New India Floater Mediclaim Policy up to 25% of SI.

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy modern treatments are covered to a maximum of 50% of S.I. depending upon the Sum Insured chosen by the insured life.

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy Plan, Ambulance expenses are covered up to 1% of SI.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy Plan, Air Ambulance is not covered.

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy compassionate plan is not covered.

Any kind of medical/health emergency when you are outside of India.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy Global coverage is not available.

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under New India Floater Mediclaim Policy?

Under the New India Floater Mediclaim Policy, e-consultation is not covered.

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy, a health checkup is covered only as a continuity benefit and if an insured individual renews the policy in time.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under New India Floater Mediclaim Policy?

Under the New India Floater Mediclaim Policy second medical opinion is not covered.

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under New India Floater Mediclaim Policy?

Under New India Floater Mediclaim Policy Plan, vaccination expenses are not covered.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under National Mediclaim Policy?

Not Applicable under New India Floater Mediclaim Policy

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under National Mediclaim Policy?

Not Applicable under New India Floater Mediclaim Policy.