New India Assurance
New India Top-up Mediclaim
While it is a decent top up plan, it doesn't offer a disproportionately large cover as the plan only allows you to pick a maximum cover of 22 lakhs. More importantly in our opinion, it is never a good idea to buy a top up policy in the first place. Always choose a super to up plan and if you want to know the difference, click here.
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Your insurer won’t pay the full bill for certain diseases
Cataract upto 50K for each eye. Modern Treatments are subject to limits ranging 10-50%
Some Cover for Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay up to 100% of the cover in case you’re availing these treatments.
What's bad here?
Restrictions on the rooms you can pick and much more
Upto 5K (10K ICU) for 5 Lacs deductible, and 8K (16K ICU) for 8 Lacs deductible Read more here
Upto 5K (10K ICU) for 5 Lacs deductible, and 8K (16K ICU) for 8 Lacs deductible Read more here
Long waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems only after 4 long years. It could be much shorter you know? Like 2 years perhaps!
No coverage for Day Care treatments
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will not cover these costs. Think dialysis, chemotherapy or minor surgeries.
Pre & Post hospitalization
Not Covered
What's lacking here?
No Restoration Benefit
Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.
Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.
No Bonus for being healthy and not claiming insurance
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.
Frequently Asked Questions
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