NEW INDIA ASSURANCE
CO LIMITED LAUNCHES.....
NEW FAMILY FLOATER
MEDICLAIM POLICY
HIGHLIGHTS OF THE
POLICY:
Available for Family , family includes proposer, spouse, children from 3
months to age 25 years, & proposer's parents provided financially dependent
on the proposer.
Sum Insured options from Rs. 2,00,000 to 8,00,000
coverage : 1% of sum insured towards room rent, & 2% of sum insured towards I C U room charges ( refer policy conditions)
Built In New Born Baby Coverage :-
A New Born Baby to an insured mother, who has 24 months of Continuous Coverage, is covered for any Illness or Injury from the date of birth till the expiry of the Policy, within the terms of the Policy, without any additional Premium. Any expenses incurred towards post natal care, pre-term or pre-mature care or any such expense incurred for delivery of the New Born Baby would not be covered. Congenital External Anomaly of the New Born Baby is also not covered under the policy.No coverage for the New Born Baby would be available during subsequent renewals until the child is declared for insurance and covered as an Insured Person.
Cataract Claims :-
For cataract claims, the liability of the company will be restricted to 10% of Sum Insured or Rs. 50000 whichever less, for each eye.
Built In Hospital Cash Benefit :-
This policy provides for payment of Hospital Cash at the rate of 0.1% of Sum Insured per day of Hospitalisation. This benefit will be given in every case of admissible claim and for each member. This benefit is applicable only where Hospitalisation exceeds twenty four consecutive hours.
The total payment for Any One Illness shall not exceed 1% of the Sum Insured.
Built In Critical Care Benefit :-
If during the Period of Insurance any Insured Person discovers that he/she is suffering from any Critical Illness as listed below,the company will pay flat 10% of Sum Insured as additional benefit i.e. other than the admissible claim:
1. Cancer
2. First Heart attack of specified severity
3. Open chest CABG
3
4. Open Heart replacement or repair of Heart valves
5. Coma of specified severity
6. Kidney failure requiring regular dialysis
7. Stroke resulting in permanent symptoms
8. Major organ / bone marrow transplant
9. Permanent paralysis of limbs
10. Motor neurone disease with permanent symptoms
11. Multiple sclerosis with persisting symptoms
This will be paid only if the Hospitalisation is more than 24 hours. Any payment under this clause would be in addition to the Sum Insured and shall not deplete the Sum Insured. This benefit will be paid once in lifetime of any Insured Person. This benefit is not applicable for those Insured Persons for whom it is a pre-existing disease.
ARE CONGENITAL DISEASES COVERED IN THE POLICY?
Yes. Congenital Internal Disease or Defects or anomalies shall be covered after twenty four months of Continuous Coverage, if it was unknown to You or to the Insured Person at the commencement of such Continuous Coverage. Exclusion for Congenital Internal Disease or Defects or Anomalies would not apply to a New Born Baby during the year of Birth and also subsequent renewals, if Premium is paid for such New Born Baby and the renewals are effected before or within thirty days of expiry of the Policy.
16
Congenital External Disease or Defects or anomalies shall be covered after forty eight months of Continuous Coverage, but such cover for Congenital External Disease or Defects or anomalies shall be limited to 10% of the average Sum Insured in the preceding four years.
PLEASE NOTE THAT THE ABOVE GIVEN MATTER IS JUST INFORMATION, BEFORE PURCHASING THE POLICY KINDLY READ THE TERMS & CONDITIONS GIVEN IN THE POLICY DOCUMENT.
Sum Insured options from Rs. 2,00,000 to 8,00,000
coverage : 1% of sum insured towards room rent, & 2% of sum insured towards I C U room charges ( refer policy conditions)
Built In New Born Baby Coverage :-
A New Born Baby to an insured mother, who has 24 months of Continuous Coverage, is covered for any Illness or Injury from the date of birth till the expiry of the Policy, within the terms of the Policy, without any additional Premium. Any expenses incurred towards post natal care, pre-term or pre-mature care or any such expense incurred for delivery of the New Born Baby would not be covered. Congenital External Anomaly of the New Born Baby is also not covered under the policy.No coverage for the New Born Baby would be available during subsequent renewals until the child is declared for insurance and covered as an Insured Person.
Cataract Claims :-
For cataract claims, the liability of the company will be restricted to 10% of Sum Insured or Rs. 50000 whichever less, for each eye.
Built In Hospital Cash Benefit :-
This policy provides for payment of Hospital Cash at the rate of 0.1% of Sum Insured per day of Hospitalisation. This benefit will be given in every case of admissible claim and for each member. This benefit is applicable only where Hospitalisation exceeds twenty four consecutive hours.
The total payment for Any One Illness shall not exceed 1% of the Sum Insured.
Built In Critical Care Benefit :-
If during the Period of Insurance any Insured Person discovers that he/she is suffering from any Critical Illness as listed below,the company will pay flat 10% of Sum Insured as additional benefit i.e. other than the admissible claim:
1. Cancer
2. First Heart attack of specified severity
3. Open chest CABG
3
4. Open Heart replacement or repair of Heart valves
5. Coma of specified severity
6. Kidney failure requiring regular dialysis
7. Stroke resulting in permanent symptoms
8. Major organ / bone marrow transplant
9. Permanent paralysis of limbs
10. Motor neurone disease with permanent symptoms
11. Multiple sclerosis with persisting symptoms
This will be paid only if the Hospitalisation is more than 24 hours. Any payment under this clause would be in addition to the Sum Insured and shall not deplete the Sum Insured. This benefit will be paid once in lifetime of any Insured Person. This benefit is not applicable for those Insured Persons for whom it is a pre-existing disease.
ARE CONGENITAL DISEASES COVERED IN THE POLICY?
Yes. Congenital Internal Disease or Defects or anomalies shall be covered after twenty four months of Continuous Coverage, if it was unknown to You or to the Insured Person at the commencement of such Continuous Coverage. Exclusion for Congenital Internal Disease or Defects or Anomalies would not apply to a New Born Baby during the year of Birth and also subsequent renewals, if Premium is paid for such New Born Baby and the renewals are effected before or within thirty days of expiry of the Policy.
16
Congenital External Disease or Defects or anomalies shall be covered after forty eight months of Continuous Coverage, but such cover for Congenital External Disease or Defects or anomalies shall be limited to 10% of the average Sum Insured in the preceding four years.
PLEASE NOTE THAT THE ABOVE GIVEN MATTER IS JUST INFORMATION, BEFORE PURCHASING THE POLICY KINDLY READ THE TERMS & CONDITIONS GIVEN IN THE POLICY DOCUMENT.
email : planmyinsurance@gmail.com
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