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Overview
New India Sixty Plus Mediclaim Policy is a comprehensive health insurance plan by New India Assurance Company. The policy covers senior citizens aged between 60 to 80 years. It also covers a spouse in the same policy, provided at least one of the insured is a senior citizen. The Sixty Plus Mediclaim Policy comes with three sum insured choices: INR 2 Lakhs, INR 3 Lakhs, and INR 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 Benefits
The New India Sixty Plus Mediclaim Policy offers several benefits for individuals aged 60 years and above. These include:
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Attendant Benefit
The policy comes with an attendant benefit for up to INR 800 per day or actual expenses, whichever is lower. The maximum limit for this benefit is INR 5,000 for a INR 2 Lakh policy, INR 7,000 for a INR 3 Lakh policy, and INR 10,000 for a INR 5 Lakh policy.
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Discount for Single Women
Single women senior citizens receive a 5% discount on their premiums.
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Tax Benefits for Children
Children can purchase this policy for their parents and avail higher tax benefits under Section 80D for senior citizens.
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Coverage for Spouse
At least one person among the couple covered under the policy must be a senior citizen. For example, if the husband is 61 years old and the wife is 55 years old, both can be covered.
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Continuation After Death
If one insured person passes away, the other can continue with the policy, even if they are below 60 years old. If the remaining person is a woman, she will receive a 5% discount on premiums.
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Organ Transplant Coverage
The policy covers expenses related to organ transplants, including hospitalisation expenses for the organ donor (excluding the cost of the organ itself). Limits apply for both donor and recipient.
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Cover for Pre-Medical Check-Up
The New India Sixty Plus Mediclaim Policy covers 50% of the pre-medical check-up cost when the insured is eligible, allowing for a health check-up at a reduced cost.
Exclusions
Permanent Exclusions
- Hospitalisation due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- HIV/AIDS
- Miscarriage and Abortion
- Congenital diseases
- Infertility and In-vitro fertilisation
Waiting Period Exclusions
- Listed ailments after 24 or 36 months
- Pre-existing diseases after 36 months
Conclusion
The New India Sixty Plus Mediclaim Policy, offered by New India Assurance Company, is a comprehensive health insurance plan designed for senior citizens aged 60 to 80 years. This policy allows senior citizens and their spouses to be covered together, provided at least one of them is a senior citizen. You can choose from three sum insured options: INR 2 Lakhs, INR 3 Lakhs, or INR 5 Lakhs.
