New India Assurance Sixty Plus Mediclaim Policy Plan
New India Assurance
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Coverage for Advanced Treatments
Includes robotic surgery, stem cell therapy, and immunotherapy, ensuring access to modern medical procedures up to the sum insured.
Comprehensive Room Rent Benefit
Covers normal room charges up to 1% of the sum insured per day and ICU charges up to 2%.
Policy Wording
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Our Verdict
The New India Sixty Plus Mediclaim Policy offers senior citizens comprehensive coverage, including hospitalization and critical illness benefits. With co-payment and waiting periods, it's ideal for older individuals seeking affordable, secure health protection.
About the Plan
The New India Sixty Plus Mediclaim Policy is designed for senior citizens aged 60 years and above, offering comprehensive health coverage. It covers hospitalization expenses, room rent, ICU charges, day care treatments, AYUSH therapies, and advanced medical procedures. The policy includes a co-payment clause, requiring policyholders to bear a percentage of medical expenses. Pre-existing diseases are covered after a waiting period, and cashless treatment is available at network hospitals. This plan ensures financial security for seniors against rising medical costs.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered up to 1% of the sum insured per day.
ICU: Covered up to 2% of the sum insured per day.
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
Co-payment
A mandatory 20% co-payment applies to all claims.
Waiting Periods
Initial Waiting Period: 30 days (except for accidental injuries).
Specific Diseases: 24 months waiting period.
Pre-existing Diseases: Covered after 48 months.
Cashless Healthcare Providers
Cashless treatment available at over 5,000+ network hospitals across India.
Day Care Treatments
Covers more than 140 medical procedures requiring hospitalization of less than 24 hours.
AYUSH Treatment
Alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy covered up to the sum insured.
Exclusions
Treatment for pre-existing conditions within the waiting period.
Injuries caused by war, terrorism, or nuclear contamination.
Treatments for cosmetic or aesthetic purposes.
Self-inflicted injuries or attempted suicide.
Expenses related to non-allopathic treatments (unless opted for in the policy).
Treatment for conditions arising from alcohol or drug abuse.
Expenses incurred due to participation in dangerous activities like racing or adventure sports.
Exclusions
Critical Illness Cover - Provides additional coverage for major critical illnesses like cancer, heart attack, and stroke.
Hospital Daily Cash Benefit - Offers a daily cash allowance during hospitalization, which can be used for any related expenses.
Add-ons
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About the Company
New India Assurance was founded in 1919 and is one of India's premier multinational general insurance companies. It was founded by Sir Dorabji Tata. The Company’s headquarter is in Mumbai, Maharashtra.
New India Assurance is a leading multinational general insurance company offering a wide range of products, including motor, health, travel, and property insurance. It caters to individuals, businesses, and government sectors. The company aims to provide affordable and reliable insurance solutions, with a focus on customer satisfaction and comprehensive coverage. Its plans are designed to meet diverse needs, providing financial security and risk protection to a broad customer base.
About the Company
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