Everything you Need to Know About New India Assurance Top-up Plans

Benefits and Features of New India Assurance Top-up Plans

Top-up plans by New India Assurance are a blessing in disguise. It offers various benefits and features to the policyholders which are mentioned below.

1. This plan covers the expense incurred by in-patient hospitalization all over India.
2. This plan is applicable only when the total sum of the hospitalization expenses (excluding pre and post hospitalization charges) for the members of the insurance, exceeds the threshold as mentioned in the insurance plan.
3. This plan responds for every hospitalization in case the threshold has been exhausted by previous hospitalization charges as per the sum insured stated in the insurance plan.
4. The Sum Insured is the liability of the insurance provider for all the policy members.
5. This plan offers safety in excessive of any health insurance policy that an Insured might have.
6. In case there are any charge in excessive of Threshold, that is receivable from any other company, the Insured has an alternative to recover that from either that company or this plan. He can’t select both of the plans.
7. The sum insured as per this plan will be above any reimbursement that is received from any other company if such amount exhausts the threshold.

Who can buy the Insurance Plan?

·         Any individual who fulfills the eligibility criteria mentioned below.

·         The person may or may not have any other medical Insurance plan.

·         This plan can be bought in an addition to any other medical insurance plan.

Eligibility Criteria

The plan can be purchased for an Individual or floater plan. The floater basis can cover up to 6 family members. In case the plan is issued on an Individual sum insured basis, then the separate document would be issued to every insured person.A family is inclusive of self, spouse, dependent children and dependent parents.

Entry Age

For Proposer- 18 years - 65 years of age.

For Other members - 3 months - 65 years of age.

Medical Screening

The following test would be carried for the initial medical screening.

ECG	ROUTINE URINE
BLOOD SUGAR (FASTING & PP)	CBC
SGPT	X–RAY CHEST PA VIEW
PHYSICIAN CHECK–UP	SGOT
CHOLESTEROL
TRIGLYCERIDES	EYE CHECK–UP FOR CATARACT & GLUCOMA

The tests mentioned above will be conducted and the proposer will have to bear its cost. In case the proposal is approved then, the insurer will reimburse 50 percent of these expenses.

Coverage Type	Sum Insured	Threshold
A	Rs. 5,00,000	Rs.5,00,000
B	Rs.10,00,000	Rs.5,00,000
C	Rs.15,00,000	Rs.5,00,000
D	Rs.7,00,000	Rs.8,00,000
E	Rs.12,00,000	Rs.8,00,000
F	Rs.17,00,000	Rs.8,00,000
G	Rs.22,00,000	Rs.8,00,000

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Thresholds

Following are the incurred hospitalization charges that will be considered for defining the threshold under the plan.

·         The hospitalization should have taken place when the policy is active.

·         The Insured person should have been admitted as an inpatient as outpatient medical treatments aren’t considered.

·         The hospitalization must take place for any Illness or Injury.

Pre and post hospitalization expenses aren’t considered.