NEW INDIA INDIVIDUAL MEDICLAIM

New India Mediclaim Policy 

Health insurance policy for individuals and families offering hospitalization coverage, day care treatments, maternity benefits, ambulance support, and lifelong renewability.

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Key Features

• Entry age: 18 to 65 years
• Children covered from 3 months to 25 years (dependent children)
• Lifelong renewal available
• Sum insured options from ₹1 Lakh to ₹15 Lakhs
• Single dedicated sum insured coverage

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Policy Highlights

• 25% cumulative bonus for claim-free year (up to 50%)
• Free health check-up every 3 claim-free years
• Newborn baby coverage
• Cataract treatment coverage
• AYUSH treatments covered (Ayurvedic, Homeopathic, Unani)
• Organ transplant expenses covered
• Ambulance expense coverage
• Daily hospital cash benefit
• Coverage for 139 day care procedures
• Cashless hospitalization support

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Waiting Period

• Pre-existing diseases: 48 months
• Specified diseases: 24 months

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Optional Covers

Optional Cover I

• No proportional deduction

Optional Cover II

• Maternity expense benefit for ₹5 Lakhs & above

Optional Cover III

• Enhanced cataract limit for higher sum insured plans

Optional Cover IV

• 15% premium discount with 20% voluntary co-pay

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Sum Insured Options

• ₹1 Lakh
• ₹2 Lakhs
• ₹3 Lakhs
• ₹4 Lakhs
• ₹5 Lakhs
• ₹6 Lakhs
• ₹7 Lakhs
• ₹8 Lakhs
• ₹10 Lakhs
• ₹12 Lakhs
• ₹15 Lakhs

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Premium Information

Premium varies based on:

• Age group
• Sum insured selected
• Optional covers chosen

Age categories:

• Below 35
• 36–45
• 46–50
• 51–55
• 56–60
• 61–65
• Above 65