This Product is available for any Person who has a Health Insurance Policy with Sum Insured of ₹8 lacs and above. However, non-availability of the base Policy will not prejudice either the Claim or Renewal of this Policy. A discount of 5% shall be offered in Premium, to the Insured’s who has Health Insurance Policy with New India.
|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|
Yes it is possible to shift to another hospital for reasons of requirement of better medical procedure. However, this will be evaluated by the TPA on the merits of the case and as per policy terms and conditions.
The Policy allows reimbursement of medical expenses incurred before and after admissible Hospitalisation up to a certain number of days. For reimbursement, send all bills in original with supporting documents along with a copy of the discharge summary and a copy of the authorization letter to your TPA. The bills must be sent to the TPA within 7 days from the date of completion of treatment. You must also provide the TPA with additional information and assistance as may be required by the company/TPA in dealing with the claim.
No payment shall be made for any Hospitalisation expenses incurred, unless they form part of the Hospital Bill. However, the bills raised by Surgeon, Anaesthetist directly and not included in the Hospital Bill shall be paid provided a numbered Bill is produced in support thereof, for an amount not exceeding Rs. Ten thousand, where such payment is made in cash and for an amount not exceeding Rs. Twenty thousand, where such payment is made by cheque.
If treatment involves Organ Transplant to Insured Person, then We will also pay Hospitalisation Expenses (excluding cost of organ) incurred on the donor, provided Our liability towards expenses incurred on the donor and the insured recipient shall not exceed the aggregate of the Sum Insured and Cumulative Bonus Buffer, if any, of the Insured Person receiving the organ.
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