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New India Assurance Senior Citizen Mediclaim Policy is a comprehensive plan that provides many benefits such as medical cover, cashless hospitalization, and coverage for numerous illnesses. With a claim settlement ratio of 90.73%, this policy covers almost every possible health issue that a person above the age of 60 can struggle with.
New India Assurance Senior Citizen Mediclaim Policy comes with an easy claim process and renewals, making the plan absolutely compatible with senior citizens. New India Health Insurance for senior citizens covers pre-existing illnesses such as diabetes mellitus and hypertension with an additional premium payment.
New India Senior Citizen Mediclaim Policy offers a satisfactory range of sum insured options from ₹1 Lakh to ₹1.5 Lakh, with an entry age of 60 to 80 years. Policyholders can provide coverage for themselves along with their spouse under New India Assurance Senior Citizen Mediclaim Policy.
| PLAN DETAILS |
New India Assurance Senior Citizen Mediclaim Policy |
Icici Lombard Group Plan |
| Product Type | Senior Citizen Health Insurance | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | 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) |
Not 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.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
3000 | 10600 |
| 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 | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Applicable |
| Plan Entry Age | 60 to 80 Years | Min- 180 days, Max- 95 years |
| Plan Premium Entry Age and S/A | 4043 | 1300 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Hospitalization expenses, pre and post hospitalization, daycare treatments, maternity add-on, diagnostic and surgical costs |
| Plan Sample Premium | 4043 | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 Year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 90.73 | 97.16 |
| Solvency Ratio | 1.91 | 2.69 |
|
New India Health Insurance ICICI Lombard Health Insurance Review |
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