New India Floater Mediclaim Policy

New India Floater Mediclaim Policy is a family health insurance plan that covers multiple family members under a single Sum Insured. The policy provides financial protection against hospitalization expenses due to illness, disease, or accident on a floater basis.

Key Features

• Family Floater Health Insurance Plan
• Cashless Hospitalization Facility Available
• Lifelong Renewal Available
• Coverage for AYUSH Treatments
• New Born Baby Cover
• Critical Care Benefit
• Hospital Cash Benefit
• Cumulative Bonus up to 50% of Sum Insured
• 226 Day Care Procedures Covered

Eligibility

Sum Insured Options

• ₹2 Lakhs
• ₹3 Lakhs
• ₹5 Lakhs
• ₹8 Lakhs
• ₹10 Lakhs
• ₹12 Lakhs
• ₹15 Lakhs

Who Can Be Covered?

• Self
• Spouse
• Dependent Children
• Dependent Parents

Coverage Benefits

• Hospitalization Expenses
• Room Rent up to 1% of Sum Insured per day
• ICU Charges up to 2% of Sum Insured per day
• Doctor and Surgeon Fees
• Operation Theatre Charges
• Medicines and Diagnostic Expenses
• Pre-Hospitalization Expenses
• Post-Hospitalization Expenses
• Organ Donor Expenses
• Day Care Treatments

Special Benefits

• New Born Baby Cover.
• Mid-term Inclusion of Newly Married Spouse.
• AYUSH Treatment Coverage up to 100% of Sum Insured.
• Ambulance Charges up to 1% of Sum Insured.
• Hospital Cash Benefit at 0.1% of Sum Insured per day.
• Critical Care Benefit equal to 10% of Sum Insured.

Cumulative Bonus

A cumulative bonus of 25% of the Sum Insured is provided for every claim-free year, subject to a maximum accumulation of 50% of the original Sum Insured.

Cataract Benefit

Cataract treatment expenses are covered up to 10% of the Sum Insured or ₹50,000 per eye, whichever is lower.

Optional Covers

• Enhanced Cataract Cover.
• Maternity Benefit Cover.
• Non-Medical Consumables Cover.
• Removal of Proportionate Deduction in Specified Cases.

Waiting Period

Major Exclusions

• Expenses during initial waiting period.
• Cosmetic and aesthetic treatments.
• Self-inflicted injuries.
• Substance abuse related treatments.
• Non-medical expenses unless covered under optional cover.

Why Choose New India Floater Mediclaim Policy?

• Single Sum Insured for the entire family.
• Affordable premium compared to individual policies.
• Coverage for modern and AYUSH treatments.
• Hospital cash and critical care benefits included.
• Lifelong renewal with cumulative bonus benefits.

Disclaimer

The above information is for general reference only. Benefits, exclusions, waiting periods, premium rates, and policy conditions are subject to the latest policy wording issued by New India Assurance.