New India Sixty Plus Mediclaim Policy & Benefits | PolicyX
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New India Sixty Plus Mediclaim Policy

New India Sixty Plus Mediclaim Policy is a comprehensive health insura ...Read More

Up to 2 Crore
Sum insured
1
No. of plans
1800+
Pan India presence
90.73%
Claim settlement ratio
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🛡️ IRDAI Approved
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🏥 3,000+ hospitals
📊 1.91 solvency ratio
✅ 90.73% claim settlement

About New India Sixty Plus Mediclaim Policy

A quick read on what this New India Health Insurance plan covers and why it might be a fit for you.

New India Sixty Plus Mediclaim Policy is a comprehensive health insurance by New India Assurance Company. The policy covers senior citizens aged between 60 to 80 years. The policy also covers a spouse in the same policy, provided at least one of the insured is a senior citizen. 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.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
60 Years to No Age Limit
Plan type
Senior Citizen Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹5 L
Waiting period
30 days
Renewability
N/A
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Continuation After Death
  • Organ Transplant Cover
  • Cover for Pre-Medical Check-up

Cons

  • Illegal activities
  • Alcoholism and Drug Abuse
  • Adventure Sports

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

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:

  • 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.
  • Discount for Single Women
    Single women senior citizens receive a 5% discount on their premiums.
  • Tax Benefits for Children
    Children can purchase this policy for their parents and avail higher tax benefits under Section 80D for senior citizens.
  • 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.
  • 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.
  • Organ Transplant Coverage
    The policy covers expenses related to organ transplants, including hospitalization expenses for the organ donor (excluding the cost of the organ itself). Limits apply for both donor and recipient.
  • 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.

New India Health Insurance Network Hospital List

New India Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, New India Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the New India Sixty Plus Mediclaim Policy are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • HIV/AIDS
  • Miscarriage and Abortion
  • Congenital diseases
  • Infertility and In-vitro fertilization
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Listed ailments after 24 or 36 months
  • Pre-existing diseases after 36 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum Entry Age: 60 Years
  • Maximum Entry Age: No upper limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to INR 5 Lakhs

Other features & benefits

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.

New India Sixty Plus Mediclaim Policy: FAQs

The 4 most-asked questions about New India Sixty Plus Mediclaim Policy, answered.

Yеs, as long as onе of you is a sеnior citizеn, you both can bе covеrеd togеthеr.
You can choose from thrее covеragе amounts: 2 Lakhs, 3 Lakhs, or 5 Lakhs.
Yеs, thе policy covеrs 50% of thе cost for prе-mеdical chеck-ups whеn you start thе policy.
Yеs, somе еxclusions apply, likе cosmеtic surgеriеs, hazardous sports injuriеs, and substancе abusе trеatmеnts.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Daina Teres Mathew — Health & Term Insurance Reviewed by Sharan Gurve — Term & Health Insurance
Last updated: 30 Sep 2023 · Originally published: 29 Oct 2024

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