New India Health Insurance Senior Citizen Mediclaim Policy

Senior Citizen Mediclaim Policy
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About New India Health Insurance 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

  • Customer care executives guided me well

    I had little knowledge of how health insurance plans work and understood the insurance terms little. But when i discussed my requirements with custome...

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    M
    Mirza Imran Baig
    On: Feb 25, 2020 | Views
  • Utmost satisfaction ..

    Senior citizen mediclaim policy is a good plan that offers my parents many benefits like ambulance charges, pre-hospitalisation expenses, pre hospital...

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    A
    Amit Raj Singh Makked
    On: Feb 25, 2020 | Views
  • Like other senior citizen plans

    This plan has nothing new. I found that all the benefits offered under this are also covered by many other senior citizen health insurance plans in th...

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    A
    Avinash Kumar
    On: Feb 12, 2020 | Views
  • Lifetime renewability offered

    I took the customer care executives advice at insurancedekho whether i should buy this plan or not. They suggested that it is a good plan with many be...

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    M
    Manesh Sharma
    On: Feb 12, 2020 | Views
  • Can buy.. !!!

    Senior citizen mediclaim policy is a self explanatory plan which is really easy to understand. They have not anything hidden. You can find all informa...

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    Y
    Yatin Gujaral
    On: Feb 03, 2020 | Views
  • Felt good.. Brought for parents

    I purchased this plan for my parents last month. I did not have any knowledge about how health insurance works so called on the toll free number of in...

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    M
    Made Udai Kumar
    On: Feb 03, 2020 | Views
  • A must have product in old age

    Senior citizen mediclaim policy is a beneficial plan and hence a must have for all the senior citizens so that they can secure themselves financially ...

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    J
    Jyoti Kumari
    On: Jan 14, 2020 | Views
  • Buying this is easy from ID

    Buying senior citizen mediclaim policy is easy if you buy one from insurancedekho. All i did was contact their customer care executives at 1800 1205 6...

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    S
    Sukanya Mishra
    On: Jan 14, 2020 | Views
  • Helpful plan for ppl in old age

    I purchased senior citizen mediclaim policy for my parents. The customer care executives at insurancedekho helped me understand all the inclusions and...

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    M
    Mayank Kansal
    On: Dec 26, 2019 | Views
  • They suggest the best

    Insurancedekho’s team suggests you what is best for you and give the plan that suits your requirements the best. I have always liked their advic...

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    M
    Miza Kapoor
    On: Dec 26, 2019 | Views
  • You can go for it too

    Senior citizen policy is a must have for all the senior citizens in the country. We know that in India getting treatment is really expensive and why n...

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    R
    Raju Purohit
    On: Dec 11, 2019 | Views
  • Hope for the best

    I have recently purchased senior citizen policy for my parents and fingers crossed iam just hoping for the best that there will not be any obstacle at...

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    A
    Anshul Chhabra
    On: Dec 11, 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...

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    R
    Rama Krishna
    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 oth...

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    T
    Tripti Sakarwal
    On: Dec 02, 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 e...

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    S
    Subhash Dutt Sharma
    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 an...

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    S
    Shashi Kapoor
    On: Nov 21, 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...

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    j
    jamil ahmed
    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...

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    M
    MAHESH KUMAR
    On: Nov 12, 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 ...

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    N
    Nikesh
    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 g...

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    S
    Subodh Dhar Sharma
    On: Nov 01, 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 maxim...

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    M
    M Aamir Meraj
    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 like...

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    L
    Laxmi kumar gupta
    On: Oct 22, 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 prov...

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    V
    Veena singh
    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 ...

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    A
    Ashok kumar
    On: Oct 10, 2019 | Views
  • 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...

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    S
    Sachin
    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 you...

    Read More
    S
    Shivaji Chavan
    On: Sep 26, 2019 | Views

Expert Review for New India Assurance 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 Assurance Senior Citizen Mediclaim Policy Brochure

  • 828.31 KB
  • PDF Document
  • Jul 15, 2019

Claim Process at New India Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

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

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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