New India Modern Treatment Rider

NIA Modern Treatment rider can be purchased with the base policy and cannot be purchased in isolation or as a separate product. The Entry age for this Rider will be the entry age of the respective base policy.

Highlights of the Add on cover:

1. Modern treatment procedure Rider can be purchased only at the time of inception or at renewal of the Base policy and cannot be opted in/out during the course of policy,
2. Modern treatment procedures are payable only once during a policy period (this is applicable only to surgical procedures i.e. except for Oral Chemotherapy, Intravitreal Injections and Immunotherapy- Monoclonal Antibody to be given as injection).
3. A deductible of 10% is applicable on the admissible claim amount of every claim as follows:
   1. Deductible shall be applied on the claim amount that exceeds the sublimit stated under the Base Policy.
   2. Deductible shall not be applicable up to the Sub-limits under the base policy.
   3. No pre and post hospitalization expenses are payable for claims under Oral Chemotherapy.
4. Premium for the Rider is 15% of Base premium of the Respective Retail Policy.
5. All other terms, conditions and exclusions wherever and to the extent applicable shall be as per the Base Policy.

For more details, please see the add on cover documents attached.
UIN: NIAHLIA24017V012324