Mediclaim Policy 2017 - Individual
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New India Mediclaim policy 2017 comes with unique features such as Congenital internal diseases cover, Cataract cover and Reinstatement of Sum Insured for non-related Illness.


  • Four Optional Covers such as maternity expeses benefit, voluntary co - pay etc. available for insured persons.
  • Pre - acceptance medical checkup will be applicable on age above 50 years.
  • Day 1 New Born Baby Cover till the Expiry of the Policy.
  • Congenital internal diseases covered after 24 months of continuous coverage, max. upto 10% of Sum insured.
  • Ayurvedic / Homeopathic and Unani system of medicine are covered upto 25% of Sum Insured.
  • No Loading for Diabetes and Hypertension.
  • Any Claim relating to Cataract is payable upto 20% of S.I Or Rs.50,000 whichever is Less.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
Title Description
Room Rent Limit 1% of S.I per day
ICU Daily Rent Limit 2% of S.I per day
Pre-Hospitalization Expenses 30 Days
Post Hospitalization Expenses 60 Days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage 139 procedures covered.
Automatic Restoration of Sum Insured Yes, for S.I of 5 Lakhs & above.
Pre-Existing Disease / Illness coverage After 48 months
Medical Screening 50 Years and above.
Free Health Checkup 3 claim free years upto 1% of S.I, max. of Rs.5000
Ambulance Expenses 1% of S.I
Non-Allopathic Treatments Upto 25% of S.I
New Born Baby Cover Yes
Daily Hospitalization Allowance 0.1 % of S.I per day, for S.I 3 Lakhs & above.