New India Assurance Senior Citizen Mediclaim Policy

Senior Citizen Mediclaim Policy
14 reviews Rate This
  • 1,200+ Network Hospitals
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  • 17,47,550 Policies Issued
  • 103.19% Incurred Claim Ratio
  • Lifelong Renewability
  • 96.61% Claim Settlement Ratio
  • Dedicated Team for Claim Settlement

About New India Assurance Senior Citizen Mediclaim Policy

Senior Citizen Mediclaim Policy is one of the several products brought to you by New India Assurance. The plan offers coverage for hospitalisation charges for any surgery, treatment, or accidental injury to the senior citizens aged between 60 years to 80 years. And if renewed without any break, the cover can be continued up to 90 years of age. Before purchasing this policy, the customers are required to undergo a prescribed pre-acceptance health check-up to detect any pre-existing disease(s). The cost of the same will be borne by the customer at first, which will be reimbursed later once he/she completes four claim-free years. 

Some of the benefits offered by this plan are-cover for hospitalisation in government and/or registered Ayurvedic or Homeopathic and Unani hospitals; cover for pre-existing diseases after a waiting period; in-patient hospitalisation cover including cost of anesthesia, blood, etc.; room, boarding expenses, and so on. Considering the benefits of this policy, the sooner you get it, better it will be.

Key Inclusions and Exclusions of the Plan

What's Included

  • Ambulance charges up to Rs. 1,000
  • Pre-hospitalisation expenses for up to 30 days
  • AYUSH treatment up to 25% of the sum insured
  • Post-hospitalisation expenses for up to 60 days
  • Organ donor expenses in case of organ transplant

What's Not Included

  • Any domiciliary hospitalisation
  • Any treatment taken outside India
  • Vaccination and inoculation expenses
  • Dental treatments, except arising from an accident
  • Any naturopathy treatment

  • 3 stars for their claim settlement process.

    Senior citizen plan by New India is a great plan for the elderly people in India. It helps them by securing their health in their golden age. The plan offers various coverage features including ambulance expenses, pre and post hospitalisation expenses, organ donor expenses, AYUSH treatment cover and so on. My grandmother has availed the treatmnet at network hospital once for which the company paid. 3 stars for their claim settlement process. 

     

    S
    On: Sep 26, 2019 | Views
  • Brought it for my parents..they are satisfied

    According to me, senior Citizen mediclaim offered by New India is a must-have plan for the old people in India. If you are looking forward to give your parents or grandparents etc, then you must read about this plan. You can also call at the customer care number of Insurancedekho i.e. 18001205698. I have recently brought it to my parents and I am satisfied with it. 

     

    S
    On: Sep 26, 2019 | Views
  • Pretty good plan..smooth buying experience

    From employers side, I have a health insurance policy which covers me and my family including my parents. But then I realised that policy did not provide comprehensive coverage for my parents and started looking for new one for them. I took Insurancedekho’s help and they helped buy New india assurance’s plan. 

     

    V
    On: Oct 10, 2019 | Views
  • Brought it for myself and my wife.. Nice policy

    Many companies are providing senior citizen health insurance plans but after reading their reviews, I thought of giving new India assurance a try. My decision was not wrong I must say. There was a little delay in getting my policy documents but the coverage features etc and services of insurancedekho were good overall. 

     

    A
    On: Oct 10, 2019 | Views
  • Good plan as compared to others

    This plan covers people this 80 years of age...while many provide cover only till 60 or 65 years of age..so this is a good plan when it comes to maximum age limit. The only thing is that it does not offer cover for domiciliary hospitalisation which might be required by the insured sometimes. 

     

    M
    On: Oct 22, 2019 | Views
  • Provides ayush treatment

    The best thing about senior citizen mediclaim policy from new india is that it offers ayush treatmnet for up to 25% of the sum insured.. I really liked this feature of this plan so chose this. Apart from this also it provides many advantages to the policyholders...

     

    L
    On: Oct 22, 2019 | Views
  • Good and reliable plan..

    I recently brought senior citizen mediclaim policy from insurancedekho for my parents. When i was researching for the best health insurance plans for senior citizens, insurancedekhos name appeared on the top and hence visited its website..there i found all the necessary information there and the brochures etc and all were really helpful..  

     

    N
    On: Nov 01, 2019 | Views
  • Praiseworthy customer care people at insurancedekho

    I have had heard about the good services of team at insurancedekho but have now experienced it too. My policy senior citizen mediclaim policy offers great benefits that too at nominal premium amount. I have no complaints from the team... Timely services..reliable products and polite people.. 

     

    S
    On: Nov 01, 2019 | Views
  • Great team and great efforts they put

    Insurancedekho has a nice team of people who are really keen and are willing to help you unlike other companies who just push you to buy policies from them and once you buy it, they think that their job is over. I am full satisfied with the efforts the company put in helping me choosing the right plan for myself. 

     

    j
    On: Nov 12, 2019 | Views
  • Good plan for the elderly

    The best thing about this plan is that the elderly people get to save on taxes. I have brought this plan from insurancedekho at nominal premium for my grandparents. They were really happy to have been covered under this plan that covers them for medical expenses at the golden period of their age.  

     

    M
    On: Nov 12, 2019 | Views
  • Great benefits under it

    My senior citizen mediclaim policy helped me in the time of need. Iam covered for many expenses under it like ambulance charges, pre hospitalisation expnses, post hospitalisation expenses, ambulance charges etc. Rest iam thinking to buy a top up plan if that will help more .. 

     

    S
    On: Nov 21, 2019 | Views
  • Good one!!!

    Senior citizen mediclaim policy from new india is a totally reliable plan. Also, the customer care executives at insurance dekho are really helpful and understand your needs at the best. I call them any time i need help,,be it at the time of claim settlemnt or nay confusion in my policy.. They always help. 

     

    S
    On: Nov 21, 2019 | Views
  • Nice plan for parents.

    Senior citizen mediclaim policy is a great plan that offers wide coverage. I have purchased this one for my parents and seem to be happy and satisfied with the coverage features they are getting at this amount. I found the premium also nominal and have no complaint from the claim settlement process too. 

     

    R
    On: Dec 02, 2019 | Views
  • Wide coverage under nominal sum insured

    Name a coverage feature that you may require and this plan has it. Iam really satisfied with my senor citizen mediclaim policy and recommend it to others too as they will be financially secured if they buy this plan today. 

     

    T
    On: Dec 02, 2019 | Views

Expert Review for New India Senior Citizen Mediclaim Policy

  • Expert Review

    Senior Citizen Mediclaim Policy is a popular health insurance product for elderly people offered by New India Assurance. New India has designed this policy keeping in mind the increased health risks during declining age. The Senior Citizen Mediclaim provides coverage against hospitalisation due to surgery, treatment, or accidental injury. It covers people from 60 years up to 80 years old. However, if the policy is renewed without any break, one can be covered up to 90 years of age.

    Coming with the sum insured of Rs. 1 Lakh to Rs. 1.5 Lakh, the policy offers cover for hospitalisations in government or registered Ayurvedic/Homeopathic and Unani hospitals. The premium varies according to the age, SI and pre-existing diseases. Quite a good option for senior people, New India’s Senior Citizen Mediclaim covers pre and post-hospitalisation for up to 30 days and 60 days respectively; ambulance charges up to Rs. 1,000; daycare treatment; organ donor expenses; domiciliary treatment and so on.

  • Major Attractions

    Aside from several basic covers, the Senior Citizen Mediclaim Policy has some more benefits in store to offer, such as complimentary health checkup, no claim bonus. In addition, pre-existing diseases such as hypertension, diabetes mellitus and its complications can be covered after 18 months of continuous insurance. But, it’s worth mentioning that the pre-existing benefits are available on additional premiums. Some more benefits under the plan are:

    • A discount of 10% for voluntary excess of Rs. 10,000
    • A family discount of 10% if the spouse is also covered
    • Reimbursement of cost of health checkup once in a block of 4 claim-free years
    • Maximum members covered under the policy are 2
    • Cover for non-infective arthritis after 18 months
    • Cover for 22 joint replacement surgery treatments due to degenerative condition after 48 months
  • What’s More?

    Not only does the Senior Citizen Mediclaim offer these benefits, but as a policyholder you can also claim for the hospitalisation expenses. The nursing expenses are covered up to a maximum of 1% of SI per day, ICU charges covered up to 2% of SI per day, etc. It’s important to note that the overall limit should not exceed more than 25% of the sum insured. Here are some more things to know about the policy:

    • The policy comes with lifelong renewability
    • Dedicated third party claim settlement
    • Tax benefits under Section 80D of the Income Tax
    • The premium is calculated based on age and the sum insured chosen
    • A free look period of 15 days is given to understand the policy and cancel if not satisfied
  • Conclusion

    To conclude, New India's Senior Citizen Mediclaim policy is a custom-built health insurance product, which has been designed to cover elderly people against medical expenses due to specific illnesses, injuries or accidents. Features like NCB, a complimentary health check-up and an option of Hypertension and Diabetes cover from day one makes the policy unique. On the other side, limits on the room rent and sub-limits on some of the procedures with a co-payment clause can leave you with a bit of disappointing experience. Overall, it’s a good policy to have to secure you during your golden age with low premium amount.

    To buy this policy online at your convenience, give a call to InsuranceDekho. Or, get free quotes from us by filling the form on the top right of this page. InsuranceDekho strives to offer you the most suitable insurance policy at the best possible affordable premiums. 

New India Senior Citizen Mediclaim Policy Brochure

  • 828.31 KB
  • PDF Document
  • Jul 15, 2019

Claim Process at New India Assurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of New India Assurance at 1800-209-1415.
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of New India Assurance 1800-209-1415.

Senior Citizen Mediclaim Policy FAQs

  • What is the eligibility to purchase this policy?

    Any senior citizen who is a resident of India and is aged between 60 years to 80 years can be covered under this policy. 

  • Does this plan provide any discount to the customers?

    Yes. A discount of 10% is provided for voluntary excess of Rs. 10,000 and a family discount of 10% is provided in case the spouse is also covered. 

  • Does the plan provide cover for genetic disorders?

    No. The plan does not provide cover for genetic disorders or even stem cell surgery. 

  • Are pre-existing diseases covered under this policy?

    Yes. Pre-existing diseases are covered after 18 months of continuous coverage with the company. 

  • What are the sum insured options under this policy?

    The policy can be purchased for sum insured options of Rs. 1 Lakh and/or Rs. 1.5 Lakh.

  • What is the minimum premium amount to be paid under this policy?

    The premium prices start at Rs. 3,850 and goes up till Rs. 7,650 under this policy. 

  • Does the plan provide any cumulative bonus to the policyholders?

    Yes. A cumulative bonus of 5% is provided for every claim-free year up to a maximum of 30% under this plan. 

  • What is the co-payment clause under this plan?

    In all the claims, the company’s liability will be the sum insured, or 90% of the admissible claim amount. 

  • What is the policy period for New India Assurance Senior Citizen Policy?

    This policy is available for a maximum period of one year. 

  • Are the treatments taken outside India covered under this policy?

    No. Only the treatments taken in India are covered under this policy.

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