New India Floater Mediclaim Policy (Cashless facility available)

Product Highlights

New India Floater Mediclaim Policy is available for persons between the age of 18 years and 65 years. Children aged 3 months to 25 years can also be covered provided they are financially dependent. Lifelong renewal is available subject to timely renewal.

The proposer can choose the following Sum Insured options:

• BASIC Plan: ₹2 Lakh, ₹3 Lakh, ₹5 Lakh, ₹8 Lakh, ₹10 Lakh, ₹12 Lakh and ₹15 Lakh.
• UPLIFT Plan: ₹25 Lakh, ₹50 Lakh, ₹1 Crore, ₹2 Crore, ₹3 Crore and ₹5 Crore.

All eligible family members covered under the policy can utilize a single Sum Insured on a floater basis towards hospitalization expenses. A minimum of 2 members and a maximum of 6 members can be covered under the policy.

Highlights of this Policy

• Newly launched UPLIFT Plan offers enhanced coverage with Sum Insured options of ₹25 Lakh, ₹50 Lakh, ₹1 Crore, ₹2 Crore, ₹3 Crore and ₹5 Crore.
• Cumulative Bonus of 25% of the Sum Insured for every claim-free year, up to a maximum of 50% in the BASIC Plan and 100% in the UPLIFT Plan.
• Coverage for New Born Baby.
• Critical Care Benefit equal to 10% of the Sum Insured (available only under the BASIC Plan).
• Mid-term inclusion of a newly married spouse.
• Cataract treatment coverage:
  • BASIC Plan: Up to 10% of the Sum Insured or ₹50,000 per eye, whichever is lower.
  • UPLIFT Plan: Up to ₹1,00,000 per eye.
• Expenses for Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatments are covered up to 100% of the Sum Insured.
• Ambulance charges are payable as per the selected Sum Insured band.
• Hospital Cash benefit is payable as per the selected Sum Insured band.
• Waiting period for Pre-Existing Diseases is 36 months as per Clause 4.1 of the policy document.
• Waiting period for Specified Diseases is 24 months as per Clause 4.3.1 of the policy document.
• 226 Day Care Procedures are covered under the BASIC Plan, while over 280 Day Care Procedures are covered under the UPLIFT Plan.
• Optional Cover I (BASIC Plan only): Revised cataract limit for Sum Insured of ₹8 Lakh and above to 10% of the Sum Insured.
• Deductible Rider can be opted for to avail applicable discount on the base premium (available only under the BASIC Plan).
• The UPLIFT Plan can be enhanced with riders such as:
  • CB Protect Rider
  • Day 1 Protection Rider
  • Enhanced Cataract Limit Rider
  • Restoration of Sum Insured Rider
  • Maternity Rider
• Premium is based on the age of the insured and the selected zone.
• Health Check-up benefit is available for every 3 claim-free years under the UPLIFT Plan.

UIN Number: NIAHLIP25039V102425

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