New India Global Mediclaim Policy

Eligibility Criteria of New India Global Mediclaim Policy

• All the persons proposed for this Insurance should be between the age of 18 years and 65 years.
• The persons beyond 65 years can continue their Insurance provided they are Insured under the Policy with us without any break.
• The policy can be issued to Indian citizens residing in India alone. Cover is not allowed to NRIs, OCIs, PIOs or foreign nationals residing in India for employment.

Pre-Policy Medical Tests

100% pre-policy medical tests mandatory for all proposals.

Age (last birthday)	Medical tests
>18 – 45 years	MER, RUA, ECG, CTMT, LFT, CBC with ESR, Lipid Profile, FBS, HbA1c, HIV, HbsAg, SCreat, USG Abdomen & Pelvis, 2d Echo
>45 years	MER, RUA, ECG, CTMT, LFT, CBC with ESR, Lipid Profile, FBS, HbA1c, HIV, HbsAg, CXR, USG Abdomen & Pelvis, 2d Echo, PSA(for males age 55 yrs above only), PAP smear (for females only), SCreat

Note:Underwriter at his/her discretion may request for any medicals tests and/or pastmedical reports and/or any additional information from the life in case of any adversedisclosures made in the proposal form on a case-to-case basis. The acceptance orrejection of a case would depend purely upon the scrutiny by medical underwritingteam through the details furnished in the proposal form and/or pre-policy medical testresults and/or past medical records (if any). A risk loading of upto 100% may beimposed based on the Medical reports of the Insured.
The cost of this check-up will be borne by the proposer. But if the proposal is accepted,then 50% of the cost of this check-up will be reimbursed to the proposer.

Plan Options

The maximum Sum Insured allowed on an individual life is:

• Plan A : USD 0.5 million (USD 1 million Lifetime) [Asia Treatment Plan]
• Plan B : USD 1 million (USD 2 million Lifetime) [Worldwide Treatment Plan]

Note: WLMC (World Leading Medical Centre) – Named centres will be used for offering thistreatment

Coverages of New India Global Mediclaim Policy

Exclusions under New India Global Mediclaim Policy

• No benefits will be payable for any condition(s) which is a direct or indirect result of any preexisting conditions unless Insured has disclosed the same in Proposal Form and We have accepted the same.
• Any Illness or conditions where the Insured had or is aware of objective evidence related to the condition, had consultations/Investigations for it, or was diagnosed with the disease which first became apparent or commenced during the first 90 days of the commencement of this Policy.
• AII Illnesses or conditions not specifically contemplated under Clause 3, How Much We will Reimburse, of the Policy of terms and conditions.
• Congenital Internal Anomaly and Congenital External Anomaly.
• Treatments and services rendered in India.
• Any expenses for Illnesses or Injuries produced as a result of wars, Acts of Terrorism,seismic movements, commotions, floods, volcanic eruptions, as well as the direct orindirect consequences of nuclear reaction; as well as officially declared epidemics.
• IIIness or Injury arising from the professional practice of any sport and in the keenpursuit of air activities (not related to the transport of passengers) and sub-aquaactivities, boxing, martial arts, climbing, rugby, potholing, bullfighting, motor racingincluding trials.
• Healthcare required due to alcoholism, drug addiction and/or intoxicants caused bythe abuse of alcohol and/or the use of psychoactive, narcotic or hallucinogenic drugs.
• Also excluded are the consequences and IIIness arising from attempted suicide andself-harm.
• Any medical expense incurred before the issuance of the Medical Second Opinion bya World Leading Medical Centre as per MediGuide.
• Any expense incurred in a different Hospital from the one chosen during the processof the Medical Second Opinion, unless required by the WLMC for services as definedunder the Policy.
• AII Illness or conditions caused intentionally or fraudulently or criminal imprudence bythe Insured or resulting when committing a crime.
• Acquired Immune Deficiency Syndrome (AIDS) or any disease secondary to or causedby AIDS, or resulting from any treatment for AIDS, including the disease known asKaposi's Sarcoma.
• Expenses incurred in respect of confinement services, home health care or servicesprovided in a convalescence centre or institution, hospice or old people's home, evenwhere such services are required or necessary as a result of a covered Illness ormedical procedure.
• Prosthesis, corrective devices and medical appliances which are not required intraoperatively for the covered illness.
• AII pharmaceutical products and medicines which have not been dispensed by alicensed pharmacist or which are obtainable without a medical prescription.
• Expenses incurred in the purchase or hire of wheelchairs, special beds, air conditioning appliances, air cleaners and any other non-medical equipment, unless for use duringthe covered hospitalization.
• Expenses incurred by the Insured or the relatives, companions or escorts, except those expressly covered.
• Cosmetic surgery and plastic surgery.
• The transplant is conducted as a self-transplant with the exception of bone marrowtransplants.
• The Insured is a donor for a third-party.Transplants from a dead donor.
• Not customary and unreasonable charges.

Disclaimer: “For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”