New India Janata Mediclaim Policy

What is the Plan all About?

Janata Mediclaim Policy is available to provide health cover for your family. This health policy covers medical expenses arising from hospitalization.

Key Features

Avail premium discounts for choosing family cover
Loyalty discount
Good health discount
Enjoy cumulative bonus
Cost of Health Check up is reimbursed
Enjoy tax benefits

Policy Benefits

Treatment taken in General Ward of the Hospital/ Day-Care Centre per day is covered up to the maximum of Rs 450.
Pre hospitalization expenses are covered for 30 days before hospitalization and post hospitalization expenses covered for 60 days after hospitalization. Post hospitalization expenses are covered up to the maximum of 10% of the hospital bill.
Intensive Care Unit / Intensive Cardiac Care Unit expenses are covered.
Donor transplant expenses are covered, excluding cost of the organ.
Day Care Procedures or other Surgical Operation/ procedures as specified under the policy, for which the insured person requires hospitalization for less than 24 hours.
Medical Practitioner, Consultants’ Specialist fees, Surgeon, Anaesthetist fees are paid up to an amount as specified in the policy.
Medical expenses such as Anaesthesia, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Chemotherapy, Radiotherapy, etc are covered up to an amount as specified in the policy.

Value Added Benefits

With No Claim Bonus Benefit, the sum insured is increased by 5% in each claim free policy year, subject to maximum of 30%.
Ambulance Charges are paid up to Rs 1,000 or actual expenses, whichever is less, in case of emergency hospitalization, ICU, or shifting from one hospital to another.
Ayurvedic / Homoeopathic / Unani treatment is covered up to 25% of the sum insured, if treatment is taken in any government Hospital, any institute Accredited by Quality Council of India, National Accreditation Board on Health or other hospital as specified under the policy.
Cost of medical check up is reimbursed once after every 4 claim-free policy years. Such payment is limited to 1% of average sum insured excluding cumulative bonus.
If you claim in two policy periods, the claims shall be payable considering available sum insured in the two policy periods, including deductibles.
Tax Benefit under section 80D of Income Tax Act, 1961.

Sub Limits

Room Rent Limit: Room rent is paid, subject to the maximum of Rs 450 per day.
Operation Theatre Charges, Anesthesia, Anesthetist Fees, and Surgeon fees are also paid to a fixed amount, as specified in the policy.

Waiting Period Clause

Initial Waiting Period: Claims arising during first 30 days of the policy start date, except accidental claims.
Specific Waiting Period: Some treatments such as ENT Disorders, Cataract, Hernia, Hydrocele, Hypertension, etc are covered after 24 months from the inception date of the policy. Age related Osteoarthritis & Osteoporosis and Joint Replacements due to Degenerative Condition are covered after 48 months from the inception date of the policy.
Pre existing Disease Waiting Period: Any pre-existing disease until 48 months of continuous policy coverage, from date of inception of the first policy. People suffering from the pre-existing conditions of Diabetes and Hypertension, you are also covered during the 3^rd & 4^th policy year as specified in the policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 3 Months	Adult: 60 Years, Children: 18 Years
Sum Assured	Rs 50,000	Rs 75,000
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	-	-