Shortlisted here are the facts that you might want to know about the Mediclaim Insurance Policy as offered by the New India Assurance Co. Ltd.
Whom does the Policy Cover?
The policy can cover children who are of the age of 3 months to up to 18 years if it is seen that they are completely dependent on their parents. Also, either of the parents should be covered by the policy. For people who are between the age of 18 and 65 years are covered by this insurance too. After the age of 65 too, the individuals can continue with the policy if they want to. When a person is married then the spouse too can be included in the policy with a little extra charge. You can cover all your family members in this single Mediclaim insurance like your spouse, children who are dependent on their parents and parents of the prosper who are above the age of 60 years.
Is There a Cover For My Newly Born Baby?
There is a policy known as the New Born Baby where the newly born is covered by the policy up to 24 months which covers the mother. This comes under the terms of the policy, and you don’t even have to pay any extra amount for it.
What Does The Cover Provide For?
When there are hospital expenses that you were not prepared for, then the policy compensates for it. Hence, you need not worry about much now and be relaxed about your expenses and can focus on other important issues in the face of danger.
What Is Included In A Critical Care Benefit?
During the insurance period if there is a critical illness that the insured is suffering from, then the company will pay 10% flat of the insured amount as an extra benefit. This benefit insures that you are covered when in the face of serious critical disorders like cancer and open-heart surgery.
What Are All The Cases Of Hospitalization Covered Under The Policy?
Since this policy covers does not cover all the cases of hospitalization you need to know about the exclusions of the policy. You can go through the exclusions of the policy when you are filling in the form or even on the official site you will find what you need to know about the exclusions.
Is A Pre-Existing Disease Covered By The Policy?
If there is a disease, which has been diagnosed and treated within the 48 months prior for the commencement of the policy, then it comes under the category of pre-existing disease. Any hospitalization cost coming from this disease is not compensated for by the insurance policy.
Necessity Of Hospitalization For Being Eligible To Claim The Policy
Hospitalization of prosper is essential for him to be eligible to claim the insurance. If the person is not hospitalized then he is not qualified since the policy does not pay for any outpatient charges.
What Is The Amount Compensated In Case Of Ayurvedic Treatment?
The company pays 25% if the insured sum in case of Ayurvedic, Unani or Homeopathic treatment, on the condition that the covered person is treated in a government hospital or an institute recognized by the government, or accredited by National Accreditation Board on Health or Quality Council of India. If there are medical expenses within the time period of 30 days before the commencement of the policy, it is also compensated by the policy.
New India Assurance Co. Ltd. Works to provide the best possible care to it’s customers and sees to it that we are standing by them in times of their need.