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28th April 2016, 09:12 AM
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Join Date: May 2012
Re: New India Assurance Company Mediclaim Policy Status

Striking Features of the Policy

This Policy covers In–Patient Hospitalization Expenses caused in India.

This strategy will react just when the total of all Hospitalization costs (aside from Pre/Post hospitalization costs) of one or all individuals from the approach, surpasses the "Edge" expressed in the arrangement.

This Policy will react for every single Hospitalization after the Threshold has been surpassed by past Hospitalization costs subject just to the Sum Insured expressed in the Policy.

The Sum Insured is the most extreme obligation of the organization for all individuals from the approach.

Along these lines, this Policy offers assurance in abundance of any Primary Health Policy/Benefit plot that the Insured may have.

In the event that there is any cost in abundance of Threshold, receivable from whatever other element, the Insured Person has an alternative to recuperate it from either that substance or this approach, yet not both.

In any case, the Sum Insured under the arrangement will be accessible far beyond any repayment got from some other substance if such sums surpass the Threshold.

Who can take the policy?

Any individual satisfying the qualification standards given beneath.

The individual could possibly have whatever other Health Insurance Policy.

This arrangement can be taken notwithstanding whatever other Health Insurance Policy.

Qualification

The strategy can be issued on Individual or Floater Sum Insured premise concealing to 6 individuals from the family. On the off chance that the approach is to be issued on Individual Sum Insured premise, then separate record will be issued to every Insured. Family involves Self, Legal Spouse, subordinate Children and ward Parents.

Period of Entry:

Proposer : 18 to 65 years.

Different individuals : 3 month to 65 years.

There is no spread stopping age if there should be an occurrence of restoration.

Youngsters between the age of 3 months and 18 years are secured given either or both folks are secured simultaneously. Youngsters between the age of 18 years and 25 years are secured just assuming either or both the folks are additionally secured and they are monetarily reliant on the folks. In any case, this maximum farthest point is not pertinent for Unmarried Daughter and Mentally Challenged Children. Avoidance for treatment identified with Psychiatric and Psychosomatic issue will apply for such Mentally Challenged Children paying little mind to Continuous Coverage.

System for taking a Policy

The accompanying are to be submitted–

Proposition shape appropriately finished and marked and points of interest of Insured Person/s.

The points of interest of existing and past Health Insurance arrangements in admiration of every Insured Person are to be given without come up short in the proposition structure alongside case history. Duplicate of current/lapsing arrangement might be joined.

Marked duplicate of Prospectus.

Pre–acceptance wellbeing check–ups will be required in the accompanying occurrences:

For persons above 50 years old OR

For persons with Adverse Medical/claims history.

Note: No Pre–acceptance Health Check–up for persons above 50 years old, if the individual has Health protection approach from our organization and there is no case for past two years.

A man is said to have Adverse Medical History in the event that he/she:

Has/Have experienced more than two hospitalization in past two years,

Is Suffering from hopeless/unending ailments requiring repeating treatment of any sort, for example, Renal Failure, Cancer, Parkinson's sickness, and Diabetes Mellitus sort II

Is Suffering from Hypertension/Diabetes.

is not healthy and free from Physical and mental maladies or ailment or medicinal grumblings


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