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New India Assurance

New India Assurance

New India's Senior Citizen Mediclaim: If you're 60+ and considering this policy, note that a 1.5 lakh cover isn't very protective. The policy may not pay out the full cover in many cases, so it's not ideal for comprehensive coverage.

What We Like

This section highlights the strengths and benefits of Senior Citizen Mediclaim policy by New India Assurance. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Coverage After 1.5 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after 1.5 years. I...

Short waiting period for Pre Existing Diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

What Is Okay

This section outlines the satisfactory but not exceptional aspects of Senior Citizen Mediclaim policy by New India Assurance. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Pre & Post hospitalization expenses covered up to a certain limit

Diagnostic Tests Coverage (10% of Sum Insured): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ...

Underwhelming bonus feature

Diagnostic Tests Coverage (10% of Sum Insured): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ...

Some Cover for Alternative Medicine

Sum Insured Increase (5% Annually, Cap at 30%): Your sum insured increases by 5% each year as long as you make no claims during this period. However, ...

Free Health Checkups

Alternative Treatment Coverage (25%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

What We Don't Like

This section addresses the limitations and drawbacks of Senior Citizen Mediclaim policy by New India Assurance. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Has disease wise sub-limits

Coverage Limits for Appendicectomy, Angiography, Tonsillectomy, Hysterectomy: Your insurance cover won’t be fully available if you are treated for App...

No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

No coverage for Day Care treatments

No Coverage for Minor Procedures: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will not cover the costs. This incl...

No Restoration Benefit

Free Health Checkup: You'll get a free health checkup if you go 4 years without making a claim, subject to a cap of ?5,000 or 1% of the sum insured, w...

Has disease wise sub-limits

Coverage Limits for Appendicectomy, Angiography, Tonsillectomy, Hysterectomy: Your insurance cover won’t be fully available if you are treated for App...

No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

No coverage for Day Care treatments

No Coverage for Minor Procedures: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will not cover the costs. This incl...

No Restoration Benefit

Free Health Checkup: You'll get a free health checkup if you go 4 years without making a claim, subject to a cap of ?5,000 or 1% of the sum insured, w...

No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

No coverage for Day Care treatments

No Coverage for Minor Procedures: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will not cover the costs. This incl...

No Restoration Benefit

Free Health Checkup: You'll get a free health checkup if you go 4 years without making a claim, subject to a cap of ?5,000 or 1% of the sum insured, w...

No coverage for Day Care treatments

No Coverage for Minor Procedures: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will not cover the costs. This incl...

No Restoration Benefit

Free Health Checkup: You'll get a free health checkup if you go 4 years without making a claim, subject to a cap of ?5,000 or 1% of the sum insured, w...

No Restoration Benefit

Free Health Checkup: You'll get a free health checkup if you go 4 years without making a claim, subject to a cap of ?5,000 or 1% of the sum insured, w...

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Senior Citizen Mediclaim in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Senior Citizen Mediclaim Plan is specifically designed for individuals aged 60 years and above, offering tailored health coverage.

Yes, pre-existing conditions are covered after a waiting period of 24 months.

The plan includes wellness benefits such as annual health check-ups and discounts on medical services, catering specifically to seniors.

Yes, the plan offers a No Claim Bonus where the sum insured increases by 10% for each claim-free year, up to a maximum of 50%.

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