New India Assurance Health Insurance Plans

This is a unique health plan which allows coverage only to parents who have a girl child.The policy can be taken to cover the girl child with either of the parents

The salient features of the plan are as follows

1. The plan not only covers hospitalisation costs but personal accidental injuries too. Parents of the child are covered against accidental death and permanent total or partial disablement
2. In case of hospitalisation, a daily cash benefit is also paid
3. The plan also covers eleven critical illnesses. If the insured suffers from any of the covered illness, 10% of the sum insured is paid in a lump sum

New India Flexi Floater Mediclaim policy is a comprehensive health plan that covers you and your family under one sum insured which is available on a sharing basis. The plan gives you the safety and peace of mind that even in difficult times when you or a loved one requires medical attention, you would not have to compromise on the high treatment costs, as the policy would cover the expenses of hospitalisation.

Let us take a look at the main features of the New India Flexi Floater Mediclaim Policy:

1. The plan indemnifies that expenses on hospitalisation, that last for 24 hours or more, for every insured member up to the sum insured
2. Day care procedures that last less than 24 hours are also covered in the policy
3. There are multiple sum insured options that you can select from according to the requirements of your family
4. The plan covers nursing and boarding, room rent up to 1% of the sum insured per day
5. ICU and ICCU charges are covered up to 2% of the sum insured on a daily basis
6. Pre and post-hospitalisation charges are also covered by the plan for 30 and 60 days respectively
7. Treatment of cataracts is covered to a maximum of INR 24,000 as per the policy terms
8. The company will indemnify ambulance charges up to 1% of the sum insured opted for
9. Alternate treatments such as Ayurveda, Homoeopathy and Unani are covered up to 25% of the sum insured
10. Ambulance charges up to 1% of the sum insured or the actual cost, which is less than INR 2,500 will be covered
11. Maternity Expenses Benefit is available as an Optional Cover

This is also a family floater plan which has the following salient features

1. Coverage for a newborn baby is included in the plan
2. A daily hospital cash benefit is paid if you are hospitalised for 24 hours or more
3. There are 11 critical illnesses covered under the plan and if you suffer from any of them you get 10% of the sum insured in a lump sum
4. Pre-entrance medical check-ups are not required until 50 years of age
5. You get up to a 15% premium discount if 2 or more family members are covered under the plan
6. Another 10% premium discount is allowed for buying the policy online