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Flexi Floater Group Mediclaim Policy
N/A
VS
3937-1730269249.webp){kind=logo}
Optima Restore Plan
8852
New India Flexi Floater Group Mediclaim Policy is a comprehensive health insurance plan. Since a group health insurance policy is designed to offer financial protection and risk mitigation to the members of the group collectively under a single policy, it offers extensive coverage for medical expenses incurred by the insured group members, including hospitalization expenses, doctor's fees, medicines, and more. The policy provides cost-effective and flexible coverage options, with the convenience of cashless treatment at network hospitals.
New India Assurance has gained the trust of millions by offering comprehensive coverage and a prompt claim settlement of 92.93%( calculated for 3 months), making it a trusted name in the insurance industry.
| PLAN DETAILS |
Flexi Floater Group Mediclaim Policy |
Optima Restore Plan |
| Premium Including GST | ||
| Product Type | Group Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
3000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | 18 to 60 Years | 5 to 65 years |
| Plan Premium Entry Age and S/A | N/A | 8852 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Individual & Family floater |
| Plan Sample Premium | N/A | 8852 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1, 2 years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 90.73 | 95.30 |
| Solvency Ratio | 1.91 | 2.00 |
|
New India Health Insurance HDFC Ergo Health Insurance Plan Detailed Review |
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