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New India Premier Mediclaim Policy is a versatile health insurance policy that can cover up to 6 members of your family under a single policy. It can be purchased by individuals between 18 and 65 years of age. Dependent children are covered between 3 months and 18 years, provided one or both parents are covered by the policy. Moreover, children between 18 and 25 years can be covered if they are financially dependent on their parents.
The New India Premier Mediclaim Policy is divided into two basic coverage options: Plan A and Plan B. Plan A offers sum insured options of 15 Lakhs and 25 Lakhs, whereas Plan B offers sum insured options of 50 Lakhs and 1 Crore. The policy provides extensive coverage, including room rent, ICU, hospital cash benefit, critical care benefit, AYUSH Treatment, ambulance charges, maternity and child care benefit, and more.
| PLAN DETAILS |
Premier Mediclaim Policy |
Health Alpha Plan |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
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.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
3000 | 6000 |
| 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) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | 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) |
Not Covered | Covered |
| Plan Entry Age | 18 to 65 Years | 18 years |
| Plan Premium Entry Age and S/A | 16,171 | 18 years |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individaual and family Cover | Hospitalization and medical expenses covered, Pre and post hospitalization expenses, Day care treatments covered |
| Plan Sample Premium | 16,171 | Unlimited |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 5 years |
| ICU Charges | Covered | Not covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 90.73 | - |
| Solvency Ratio | 1.91 | 2.03 |
|
New India Health Insurance |
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