New India Top-Up Mediclaim Policy

Overview

New India Top-Up Mediclaim is a top-up insurance plan that covers hospitalization expenses once your base health insurance is exhausted. The policy is designed to provide additional health insurance coverage for other medical expenses and can be issued on an individual or family floater basis. However, it is not mandatory to have a base health insurance policy to purchase a New India Assurance Top-Up Policy.

Individuals who invest in this policy will be entitled to a wide range of sums insured, from ₹5 Lakh to ₹22 Lakh. New India Top-Up Mediclaim offers cover for up to 6 family members under the family floater variant, with the entry age for the proposer being 18 to 65 years, and for other dependent members, 3 months.

New India Assurance Top-Up Policy offers a wide range of coverage benefits, such as:

• Room Rent
• ICU
• Cataract
• Get Well Benefit
• Hospital Cash
• Ambulance Charges

To find out more details about New India Top-Up Mediclaim, keep reading below to make an informed decision.

New India Top-Up Mediclaim at a Glance

Claim Process of New India Top-Up Mediclaim

The claim process for New India Top-Up Mediclaim Policy is outlined below:

• Intimate the TPA in writing immediately upon detection of any illness or injury, or 48 hours prior to hospitalization.
• Intimate within 24 hours from the time of hospitalization in case of a medical emergency.
• Submit the following supporting documents to the TPA within seven days from the date of discharge from the hospital:
  • Bill, receipt, and discharge certificate/card from the hospital.
  • Cash memos from hospitals/chemists, supported by proper prescriptions.
  • Receipts and pathological test reports from pathologists, supported by a note from the attending medical practitioner/surgeon recommending such tests.
  • Surgeon's certificate stating the nature of the operation performed, along with the surgeon's bill and receipt.
  • Attending doctor's/consultant's/specialist's/anesthetist's bill, receipt, and certificate regarding diagnosis.
• For post-hospitalization treatment (limited to sixty days), submit all claim documents within 7 days after completion of such treatment.
• Provide the TPA with authorization to obtain medical and other records from any hospital, laboratory, or other agency.

Exclusions

Permanent Exclusions

Permanent diseases or health conditions not covered under the New India Top-Up Mediclaim Plan include:

• Sexually transmitted disease or HIV/AIDS
• Influence of intoxicating liquor or drugs
• Suicide or attempted suicide, intentional self-injuries
• Congenital external diseases, defects, or anomalies
• The insured person committing any breach of law
• Birth control procedures and hormone replacement therapy

Waiting Periods for Certain Diseases and Treatments

Certain diseases and treatments are covered under this plan after a specific waiting period. Read the details below:

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

What Is Covered Under New India Top-Up Mediclaim?

The New India Assurance Top-Up Policy offers the following coverage and benefits:

What Is Not Covered Under New India Top-Up Mediclaim?

Exclusions for the New India Assurance Top-Up Policy are listed below:

• Sexually transmitted disease or HIV/AIDS.
• Influence of intoxicating liquor or drugs.
• Suicide or attempted suicide, intentional self-injuries.
• Congenital external diseases, defects, or anomalies.
• The insured person committing any breach of law.
• Birth control procedures and hormone replacement therapy.

Premium Table for New India Top-Up Mediclaim

The premium table for New India Assurance Top-Up Mediclaim is provided below:

For 1 Adult

For 2 Additional Members