Mediclaim Policy For Family

I am planning to take New India Assurance Family Floater Mediclaim Policy and before taking I want details about this policy. Can you tell me all details related to this policy also provide me details of list of what the inclusion and exclusion of this Family Floater Mediclaim Policy?

[Shaleen]

New India Assurance Family Floater Mediclaim Policy for covering the family members with one sum insured.

This insurance is available to persons between the age of 18 years to 60 years.

The Family Floater Mediclaim Policy can be issued to the persons up to 60 years of age covering the following family members:

Self
Spouse
Dependent children Maximum two

Parents/Parents-in law/ brothers and sisters are not covered under Family Floater Mediclaim Policy even if they are residing with the proposer.

Sum Insured: Minimum Sum Insured is Rs. 2 lacs and Maximum Sum Insured is Rs 5 lacs.

Premium: Premium is as per Individual Mediclaim Policy The basic premium will be as per highest age of the family member.

Apply 50% loading for covering spouse, and 25% loading for covering each and every additional dependent child.

Policy coverage:

Day-care treatment - The Medical expense towards specific technologically advanced day-care treatments / surgeries where 24 hour hospitalization is not required.

Ambulance Charges for shifting the insured from residence to hospital are covered up to the limits specified in the policy.

Ayurvedic/Homeopathic and Unani system of medicine are covered to the extent of 25% of Sum Insured provided the treatment is taken in the Registered Hospital.

Pre-existing diseases are covered only after 4 continuous and claim free renewals with our Company.

Pre-existing conditions like Hypertension, Diabetes, and their complications are covered after two years of continuous insurance on payment of additional premium.

Exclusions

Diseases contracted within 30 days of insurance.
Dental treatment except arising out of accident.
Debility and General Run Down Conditions.
Sexually transmitted diseases and HIV (AIDS).
Circumcision, Cosmetic surgery, Plastic surgery unless required to treat injury or illness.
Vaccination and Inoculation.
Pregnancy and child birth.
War, Act of foreign enemy, ionizing radiation and nuclear weapon.
Treatment outside India.
Naturopathy.
Domiciliary Treatment.
Experimental or unproven treatment.
All external equipments such as contact lenses, cochlear implants etc.

Contact:

Corporate Head office Address:

The New India Assurance Co. LTD.
87, M.G. Road, Fort,
Mumbai 400 001.