Product Details
Mediclaim Policy
Pune
A Quality Product from
THE NEW INDIA ASSURANCE CO. LTD. [View Profile]
Pune - India
Description :
Highlights
This policy provides for cashless hospitalization in India for the treatment of any illness or disease or accidental injury (not specifically excluded) suffered during the policy period. The payment of claim is made through Third Party Administrators who have been empanelled by the Company to provide hassle free admission and discharge from the Network hospital without making any payment. The reimbursement of domiciliary hospitalization claims will also be made through the TPA.
For obtaining Mediclaim Policy the proposer has to fill up the proposal form and Insured Person details form and submit two latest stamp sized coloured photograph of each family member to be insured.
A family package cover can be taken covering proposer, spouse, dependent parents and two dependent children with a 10% discount in premium.
Group policies can be issued to specified groups and group discount can be availed provided group size is more than 100 members.
Premium upto Rs.10,000/- paid by cheque for this policy is entitled for tax rebate under section 80D of the Income Tax Act.
Scope:-
This policy becomes operative when treatment is taken as an in-patient in a hospital / nursing home in India which satisfies the following criteria:
It should be an institution established for indoor care and treatment of sickness and injury and which either
Has been registered as a Hospital/Nursing Home with the local authorities and is under the supervision of a registered and qualified Medical Practitioner
OR
Should comply with minimum criteria as under:
It should have at least 15 in-patient beds (10 beds in class'C' city)
Fully equipped operation theatre of its own wherever surgical operations are carried out
Fully qualified Nursing Staff under its employment round the clock
Fully qualified Doctor should be in charge round the clock
The policy also reimburses through TPA relevant medical expenses incurred upto 30 days prior to and 60 days after hospitalisation subject to the overall sum insured.
The policy provides for Domiciliary Hospitalisation expenses when medical treatment is taken for a period exceeding 3 days for an illness/disease/injury (not specifically excluded) which normally would require treatment as an in-patient in a hospital/nursing home but is actually taken whilst confined at home in India under the following circumstances:
Either the condition of the patient is such that he/she cannot be removed to the hospital/nursing home OR the patient cannot be removed to the hospital/nursing home for lack of the accommodation therein.
The policy does not cover any disease / injury which the insured is suffering from, at the time of taking the first policy. Certain specified illnesses are also excluded during the first year of insurance.
In individual mediclaim policy only, there is a provision for reimbursement of expenses incurred for a medical check-up, subject to certain limits, once every 4yrs, provided the policy is renewed without break and no claim has been preferred during this period. This payment can be claimed from TPA after submission of bills.
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THE NEW INDIA ASSURANCE CO. LTD. deals in :
We insure all types of Non Life Covers. PERSONAL :- • Pravasi Bharatiya Bima Yojana Policy • Health Plus Medical Expenses Policy • Mediclaim Policy • Personal Accident Policy • Overseas Mediclaim Policy • Householders Policy • Motor Policy • Bhavishya Arogya Policy • Money Insurance • Rasta Apatti Kavach (Road Safety Insurance) • Suhana Safar Policy • TV/VCR/VCP Insurance • Mobile/Cellular Phone Insurance • Other Personal Insurance COMMERCIAL :- • Jewellers Block Policy • Bankers Indemnity Policy • Shopkeepers Policy • Marine Cargo Policy • Plate Glass Insurance • Special Contigency Policy • Neon Sign Insurance • Multi Peril Policy for L.P.G. Dealers • Fidelity Guarantee Insurance Policy • Marine Hull Policy • Aviation Insurance INDUSTRIAL :- • Fire Policy • Burglary Policy • Machinery Breakdown Policy • Electronics Equipment Policy • Consequential Loss Policy • Contractors All Risk Policy • Marine cum Erection / Storage cum Erection Policy • Advanced Loss of Profit / Delay in Startup Policy • Contractor Plant and Machinery Policy • Mega Package Policies LIABILITY • Public Liability Policy • Products Liability Policy • Professional Indemnity Policy • Directors and Officers Liability Policy • Lift (Third Party) Insurance • Employers' Liability Policy • Carrier's Liability Insurance • Liability Insurance Act Policy • Golfers Indemnity Insurance SOCIAL :- • Universal Health Insurance Scheme • Jan Arogya Bima Policy • Raj Rajeshwari Mahila Kalyan Yojana • Bhagyashree Child Welfare Policy • Janata Personal Accident Insurance • Student Safety Insurance • Ashrya Bima Yojana • Rural Insurance
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