PREMIER MEDICLAIM POLICY
Earlier New India Assurance Company had Mediclaim Policy only
till Rs. 8, 00,000 sum insured. If anyone wished to have a larger cover they
would have an option to take top up cover.
The company now keeping in tune with the times, has launched a
new Policy Named “PREMIER MEDICLAIM”. The Name Premier says much about the
policy. This policy is designed for people looking at high sum insured.
The Positives Are :-
A Bigger Sum Insured from Rs. 15 lakhs to Rs. 1 Crore.
No Sub Limits on Room Rent, so Room Rent Capping.
Family Floater basis so Family can be covered under a single large policy.
Defined 139 Day Care Treatments.
Hospital Cash Benefits : Minium Rs. 2000 per day under Plan A, Maximum R. 4000 per day under Plan B
Air Ambulance expenses payable though restricted.
Critical Care Benefit : Extra Sum Insured Payable over and above the basic sum insured for critical illness as defined in the policy schedule.
HIVCoverage :- Though restricted as per details given in the policy schedule.
OPD Treatments : - Available after every block of two continous Claim Free Years subject ot the policy conditions.
Maternity & New Born Baby Benefits :- Maternity payable after 36 months of coverage Maternity, shall be restricted to Rs. 50,000 for Plan A and Rs. 1,00, 000
for Plan B
Cataract Coverage : Actual charges maximum upto Rs. 75000 under Plan A & Actual Charges maximum upto Rs.100000 under Plan B
PSYCHIATRIC AND PSYCHOSOMATIC DISORDERS
All the Psychiatric and Psychosomatic disorders diagnosed after
inception of this Policy will be covered up to 5% of Sum Insured
SECOND OPINION FOR MAJOR SURGERIES:
In case any Insured Person requires to undergo a Surgery as
advised by a Medical Practitioner, then the expenses incurred towards
consultation with another Medical Practitioner to seek advice on the
surgery shall be payable up to Rs.5,000 for Plan A and up to Rs. 8,000 for Plan
B.
DIETICIAN
COUNSELING:
This
benefit is applicable only for Plan B.
Coverage For Hazardous Sports : Upto 10% of Sum Insured subject to policy conditions.
Pre Hopsitalization : Expenses upto 60 days eligible
Post Hospitalization: Expenses upto 90 days eligible
The Negative's.
The policy holder cannot increase the sum insured once selected.
24 months waiting period for named illness as given in the policy document.
36 months waiting period for pre existing ailments, diseases.
KINDLY GO THROUGH THE EXCLUSION PART IN THE POLICY DOCUMENT TO UNDERSTAND WHAT IS NOT PAYABLE.
MY VIEW.
" The positive side is a policy with big sum insured, and many coverage's like critical care, hospital cash etc."
" The down side is 24 months waiting period for cardiovascular, hypertension,diabetes & other named illness"
THE VIEWS EXPRESSED HERE ARE MY PERSONAL. ONE IS ADVISED TO READ AND UNDERSTAND THE FINE PRINT BEFORE SUBSCRIBING. THE INFORMATION GIVEN ABOVE IS JUST FOR UNDERSTANDING THE POLICY AND IN NO CASE FOR SOLICITATION.
Coverage For Hazardous Sports : Upto 10% of Sum Insured subject to policy conditions.
Pre Hopsitalization : Expenses upto 60 days eligible
Post Hospitalization: Expenses upto 90 days eligible
The Negative's.
The policy holder cannot increase the sum insured once selected.
24 months waiting period for named illness as given in the policy document.
36 months waiting period for pre existing ailments, diseases.
KINDLY GO THROUGH THE EXCLUSION PART IN THE POLICY DOCUMENT TO UNDERSTAND WHAT IS NOT PAYABLE.
MY VIEW.
" The positive side is a policy with big sum insured, and many coverage's like critical care, hospital cash etc."
" The down side is 24 months waiting period for cardiovascular, hypertension,diabetes & other named illness"
THE VIEWS EXPRESSED HERE ARE MY PERSONAL. ONE IS ADVISED TO READ AND UNDERSTAND THE FINE PRINT BEFORE SUBSCRIBING. THE INFORMATION GIVEN ABOVE IS JUST FOR UNDERSTANDING THE POLICY AND IN NO CASE FOR SOLICITATION.
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