New India Premier Mediclaim

Overview

New India Premier Mediclaim Policy is a versatile health insurance policy that can cover up to 6 members of your family under a single policy. It can be purchased by individuals between 18 and 65 years of age. Dependent children are covered between 3 months and 18 years, provided one or both parents are covered by the policy. Moreover, children between 18 and 25 years can be covered if they are financially dependent on their parents.

The New India Premier Mediclaim Policy is divided into two basic coverage options: Plan A and Plan B. Plan A offers sum insured options of 15 Lakhs and 25 Lakhs, whereas Plan B offers sum insured options of 50 Lakhs and 1 Crore. The policy provides extensive coverage, including room rent, ICU, hospital cash benefit, critical care benefit, AYUSH Treatment, ambulance charges, maternity and child care benefit, and more.

New India Premier Mediclaim Policy Benefits

New India Premier Mediclaim Policy is a unique policy that offers a variety of coverage options at competitive premiums. Some of the key policy benefits are listed below.

• Various Plan Options

  New India Premier Mediclaim Policy is available in 2 different plan options, allowing individuals to select a variant suitable for their requirements. Plan A offers a sum insured of 15 Lakhs and 25 Lakhs. Plan B offers a sum insured of 50 Lakhs and 1 Crore respectively.

• Tax Benefits

  The premium paid for this plan is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

• Critical Care Benefit

  Insurance holders can avail of the critical care benefit under the New India Premier Mediclaim Policy, which covers 10+ critical illnesses. The plan provides up to ₹2,00,000 for Plan A and ₹5,00,000 for Plan B as an additional benefit.

• OPD Treatments

  Individuals covered under this policy can avail of OPD treatment cover for health check-ups, dental treatment, consultation, and medicines after every two continuous claim-free years. Insurance holders are entitled to OPD coverage of ₹5,000 for Plan A and ₹10,000 for Plan B respectively.

• New India Baby Cover

  Under New India Premier Mediclaim Policy, a newborn baby is covered for any illness or injury from the date of birth without any additional premium.

Exclusions

The following permanent diseases or health conditions are not included under New India Premier Mediclaim Policy:

• Hospitalisation due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• Miscarriage and abortion
• Congenital diseases
• Infertility and in vitro fertilisation

Certain diseases and treatments are covered under this plan after a specific waiting period:

• Listed ailments after 24 or 36 months
• Pre-existing diseases after 48 months

New India Premier Mediclaim Policy Premium Illustration

To understand the premium payment structure for New India Premier Mediclaim Policy, refer to the information given below:

Primary Member

Secondary Member