New India Sixty Plus Mediclaim Policy
  • Senior Citizen Cover
  • Attendant Benefit
  • Discounts For Women
New India Health Insurance
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Network hospitals

3000+

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Claim settlement ratio

92.93%

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Sum insured

Up to 50 Lakh

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No. of Plans

24

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Solvency Ratio

1.34

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Pan India Presence

2000

Customized Health Insurance Plan for you.

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Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3000+

premium

Claim settlement ratio

92.93%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

24

premium

Solvency Ratio

1.34

premium

Pan India Presence

2000

New India Sixty Plus Mediclaim Policy

New India Sixty Plus Mediclaim Policy is a comprehensive health insurance by New India Assurance Company. The policy covers senior citizens aged between 60 years to 80 years. The policy also covers spouse in the same policy under the condition that at least one of the insured should be a senior citizen. Sixty Plus Mediclaim Policy comes with three sum insured choices i.e. 2, 3 and 5 Lakhs. Additionally, the plan offers a wide range of coverage such as Hospital Cash, Pre and Post-hospitalisation, Attendant Benefits, Organ Transplant Expenses, Cover for Pre-Medical check-ups and more.

New India Sixty Plus Mediclaim Policy Specifications

Min Entry Age

60 Years

Max Entry Age

80 Years

Plan Type

Family Floater (Only Spouse Covered)

Policy Term

1 Year

Initial Waiting Period

30 Days

Sum Insured

Minimum: 2 Lakhs
Maximum: 5 Lakhs

To know more about the plan read the plan brochure here:

New India Sixty Plus Mediclaim Policy Benefits

Thе New India Sixty Plus Mediclaim Policy offers many benefits to pеoplе who are 60 yеars and oldеr. Hеrе's what you nееd to know:

  • Attеndant Bеnеfit
    The policy comes with an attendant benefit for up to INR 800 pеr day or thе actual еxpеnsеs, whichеvеr is lowеr. Thе maximum limit for this bеnеfit is INR 5, 000 for a 2 lakh policy, INR 7, 000 for a 3 lakh policy, and INR 10, 000 for a 5 lakh policy.
  • Discount for Singlе Womеn
    If a singlе woman who is a sеnior citizеn gеts this policy, shе gеts a 5% discount on hеr prеmiums.
  • Tax Bеnеfits for Childrеn
    Childrеn can buy this policy for thеir parеnts and gеt highеr tax bеnеfits undеr sеction 80D for sеnior citizеns.
  • Covеragе for Spouse
    At lеast onе pеrson amongst the couple covеrеd undеr thе policy should bе a sеnior citizеn. For еxamplе, if thе husband is 61 yеars old and thе wifе is 55 yеars old, both of thеm can gеt this policy.
  • Continuation Aftеr Dеath
    If onе of thе insurеd pеrsons passеs away, thе othеr pеrson can still continuе with thе policy, еvеn if thеy arе bеlow 60 yеars old. If thе rеmaining pеrson is a woman, shе will gеt a 5% discount on premiums.
  • Organ Transplant Covеragе
    If thе insurеd pеrson nееds an organ transplant, thе policy will covеr thе еxpеnsеs rеlatеd to thе transplant. This includеs hospitalization еxpеnsеs for thе organ donor, but not thе cost of thе organ itsеlf. Thеrе arе limits on how much thе policy will pay for both thе donor and thе rеcipiеnt.
  • Covеr for Prе-Mеdical Chеck-Up
    Whеn thе insurеd is еligiblе for thе policy, thе New India Sixty Plus Mediclaim Policy will covеr 50% of thе cost of your prе-mеdical chеck-up. This mеans you can gеt a hеalth chеck-up donе at a rеducеd cost.

Choose your New India Sixty Plus Mediclaim Policy

With wide coverage options, the Sixty Plus Mediclaim Policy lets you customize your health insurance plan as per your requirements:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 Days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Covered up to SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Applicable

Sub-limits

Available

What is Room Rent?

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 Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, the room rent is covered up to 1% of SI per day.

What are ICU Charges?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, ICU charges are covered up to 2% of SI per day.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under New India Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, pre-hospitalization is covered for up to 30 days.

What is Post Hospitalization?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy covers medical expenses incurred during post-hospitalization for 60 Days.

What is Domiciliary Hospitalization?

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 Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy does not cover domiciliary hospitalizations.

What is Daycare Treatment?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy covers the expenses of all daycare procedures.

What are OPD charges?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

OPD charges are not covered under the New India Sixty Plus Mediclaim Policy.

What is COVID-19 Treatment?

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 Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy does not cover COVID-19.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under New India Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy covers Cataract Treatment.

What is a No-Claim Bonus?

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 Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy does not offer a no-claim bonus.

What is Automatic Restoration?

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 Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy does not offer automatic restoration.

What is Daily Hospital Cash?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

The Daily hospital cash is available under the New India Sixty Plus Mediclaim Policy up to 0.1% of the SI per day. The Hospital Cash shall not exceed more than 1% of SI for any one illness.

What is an Organ Donor Cover?

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 Sixty Plus Mediclaim Policy?

Under New India Sixty Plus Mediclaim Policy the organ donor expenses are covered.

What is a Maternity Cover?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy does not cover maternity expenses.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under New India Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, the newborn baby cover is not available.

What is AYUSH Treatment?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, AYUSH treatment is not covered.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under New India Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, IVF is not available.

What is a Modern Treatment?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, modern treatments are covered subject to policy document.

What is an Ambulance Cover?

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 Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, ambulance cover is available up to 1% of the Sum Insured per hospitalisation.

What is an Air Ambulance?

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 Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, the air ambulance is not covered.

What is Compassionate Travel?

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 Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, compassionate travel is not covered.

What is Global Coverage?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, global coverage is not covered.

What is E-Consultation?

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 Sixty Plus Mediclaim Policy?

Under the New India Sixty Plus Mediclaim Policy, E-consultation is not covered.

What is a Health Checkup?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy does not cover health check-ups.

What is a Second Medical Opinion?

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 Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy does not cover the expenses for a second medical opinion.

What is Vaccination cover?

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

Coverage status under New India Sixty Plus Mediclaim Policy?

New India Sixty Plus Mediclaim Policy does not cover vaccination expenses.

What is Co-payment?

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 New India Sixty Plus Mediclaim Policy?

A voluntary 10/20 % co-pay is available under the New India Sixty Plus Mediclaim Policy.

What is the Sub limit?

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 New India Sixty Plus Mediclaim Policy?

Sub-limits are applicable.

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New India Sixty Plus Mediclaim Policy Exclusions

Health conditions that are not included under the New India Sixty Plus Mediclaim Policy are mentioned below:

  • Rеst curе, rеhabilitation, and respite care еxpеnsеs.
  • Obesity and weight control trеatmеnts.
  • Treatments related to changing gеndеr.
  • Cosmеtic or plastic surgеriеs.
  • Injuriеs incurrеd during hazardous or advеnturе sports.
  • Any еxpеnsеs resulting from a brеach of law.
  • Stеrility and infеrtility trеatmеnts.
  • Treatments for substancе abusе.

Conclusion

Thе Nеw India Sixty Plus Mеdiclaim Policy, providеd by Nеw India Assurancе Company, is a comprеhеnsivе hеalth insurancе plan dеsignеd for sеnior citizеns agеd bеtwееn 60 to 80 yеars. This policy allows sеnior citizеns and thеir spousеs to bе covеrеd togеthеr, with thе condition that at lеast onе of thеm must bе a sеnior citizеn. You can choose from thrее sum insurеd options: 2 Lakhs, 3 Lakhs, or 5 Lakhs.

Explore other New India Health Plans

New India Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

New India Assurance Arogya Sanjeevani Policy

The plan covers you and your family against new age treatments, pre, and post-hospitalization, and hospital room rent charges.

Unique Features

  • Up to 10 Lakh SI
  • Genetic disorders Covered
  • Modern Treatments Covered

New India Jan Arogya Bima Policy

This policy is designed to provide cheap medical insurance to poorer sections of society with a sum insured per person of Rs. 5000.

Unique Features

  • Service Tax is not applicable
  • Avail cover for dependents
  • Psychological disorders covered

New India Janata Mediclaim Policy

This plan protects all family members with broad health insurance coverage. It covers self, spouse, and a maximum of 2 dependent children.

Unique Features

  • AYUSH treatment covered
  • ICU expenses covered
  • Ambulance charges covered

New India Flexi Floater Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expense covered
  • Room rent covered
  • Medical test expenses covered

New India Flexi Group Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • Avail AYUSH treatment
  • Avail Cataract treatment

The policy comes with a SI of 2-15 lakhs with a single sum assured for all the members on a floater basis.

Unique Features

  • No claim bonus up to 50%
  • Avail New born baby cover
  • Criti-care benefit available

A family policy where the proposer can avail Sum Insured from Rs. 1,2, 3, 5, 8, 10, 12 and 15 Lakhs. Children can be covered under the policy from 3 months to 25 years.

Unique Features

  • Organ transplant covered
  • 139 day care procedures available
  • New born baby cover available

The plan comes in 2 different variants offering a sum assured up to 1 Cr. The policyholder can cover his/her entire family under one policy.

Unique Features

  • Critical illness covered
  • AYUSH treatment covered
  • AYUSH treatment covered

New India Standard Group Janata Mediclaim

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • AYUSH treatment covered
  • Cataract treatment covered

New India Standard Group Mediclaim Policy(2007)

Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependant parents.

Unique Features

  • ICU charged covered
  • Artificial life maintainance covered
  • AYUSH treatment covered

New India Universal Health Insurance Scheme

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • Disability cover
  • Psychological treatment covered
  • Artificial life maintainance available

New India Young India Digi Health Policy

Plan coverage is available on an individual and family floater basis with a sum insured of up to 8L.

Unique Features

  • Modern Treatment Available
  • AYUSH treatment available
  • New born baby cover available

This plan offers the policyholder sum insured of up to 50L. New India Yuva Bharat Policy is available in base, gold, and platinum variants.

Unique Features

  • Air Ambulance available
  • Critical illness covered
  • Infertility treatment covered

New India Group Cancer Mediclaim

The plan is specifically designed for lower and middle-class families undergoing Cancer Treatment.

Unique Features

  • Up to 2 Lakh SI
  • Avail Cumulative Bonus
  • Cover dependent children

New India Corona Kavach Policy

This plan covers hospitalization expenses if the insured is diagnosed with COVID-19. It is available on an individual and floater basis with a maximum sum of INR 5 lakh.

Unique Features

  • Home care treatment covered
  • Avail special discounts
  • Ambulance charges covered

New India Group Mediclaim for workers

Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependent parents.

Unique Features

  • AYUSH Treatment available
  • Avail ICU expenses
  • Affordable premiums available

A special policy designed for parents with girl children only. Two dependent daughters can be covered with Rs. 8 Lakh sum insured.

Unique Features

  • Avail 50% discount
  • Hospital Cash available
  • Avail AYUSH treatment

This plan is designed to aid financially in treating cancer. The policy offers cover for conventional and advanced cancer treatments.

Unique Features

  • SI up to 50 Lakh
  • Avail cancer care benefit
  • 58 Day care procedures covered

New India TOP-UP Mediclaim policy covers hospitalization expenses once your policy crosses it’s threshold limit. It can cover up to 6 family members.

Unique Features

  • SI up to 22L available
  • Avail Cataract treatment
  • AYUSH expenses covered

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • AYUSH treatment available
  • Mental illness expenses covered

New India Tertiary Care Insurance

An individual plan that is specifically designed to cover the treatment of 9 major illnesses.

Unique Features

  • Domiciliary treatment available
  • Ambulance expense covered
  • Avail No claim bonus

New India Sixty Plus Mediclaim Policy: FAQ's

1. Can I covеr both mysеlf and my spousе undеr this policy?

Yеs, as long as onе of you is a sеnior citizеn, you both can bе covеrеd togеthеr.

2. What arе thе covеragе options availablе?

You can choose from thrее covеragе amounts: 2 Lakhs, 3 Lakhs, or 5 Lakhs.

3. Is thеrе covеragе for prе-mеdical chеck-ups?

Yеs, thе policy covеrs 50% of thе cost for prе-mеdical chеck-ups whеn you start thе policy.

4. Arе thеrе any еxclusions in thе policy?

Yеs, somе еxclusions apply, likе cosmеtic surgеriеs, hazardous sports injuriеs, and substancе abusе trеatmеnts.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.