Mediclaim Policy - Individual

New India Mediclaim policy 2017 comes with unique features such as Congenital internal diseases cover, Cataract cover and Reinstatement of Sum Insured for non-related Illness.

Highlight:

• Four Optional Covers such as maternity expeses benefit, voluntary co - pay etc. available for insured persons.
• Pre - acceptance medical checkup will be applicable on age above 50 years.
• Day 1 New Born Baby Cover till the Expiry of the Policy.
• Congenital internal diseases covered after 24 months of continuous coverage, max. upto 10% of Sum insured.
• Ayurvedic / Homeopathic and Unani system of medicine are covered upto 25% of Sum Insured.
• No Loading for Diabetes and Hypertension.
• Any Claim relating to Cataract is payable upto 20% of S.I Or Rs.50,000 whichever is Less.
• Tax rebate available as per provision of Income Tax Rules under section 80-D.

Benefit:

Title	Description
Room Rent Limit	1% of S.I per day
ICU Daily Rent Limit	2% of S.I per day
Pre-Hospitalization Expenses	30 Days
Post Hospitalization Expenses	60 Days
Minimum Hospitalization Period	24 Hrs
Day Care Procedure Coverage	139 procedures covered.
Automatic Restoration of Sum Insured	Yes, for S.I of 5 Lakhs & above.
Pre-Existing Disease / Illness coverage	After 48 months
Medical Screening	50 Years and above.
Free Health Checkup	3 claim free years upto 1% of S.I, max. of Rs.5000
Ambulance Expenses	1% of S.I
Non-Allopathic Treatments	Upto 25% of S.I
New Born Baby Cover	Yes
Daily Hospitalization Allowance	0.1 % of S.I per day, for S.I 3 Lakhs & above.