New India Floater Mediclaim Health Insurance

At first glance, you may notice that the policy is very comprehensive and inclusive. This policy is made to protect you and your loved ones against unexpected hospitalization expenses. It will also cover you against pre- and post-hospitalization charges for 30 and 60 days, respectively. The policy also allows you to choose from up to 7 sum insured options to ensure that there is no lack of options for your convenience. Other features include coverage of hospitalization charges in the event of organ transplant, newborn baby coverage, hospital cash, critical care benefit, etc., all under certain limits and terms. 

Apart from these, a noteworthy feature of the policy is its coverage of critical illnesses. We all know diseases like heart attack, kidney failure, and cancer are becoming increasingly common these days. Having a policy that not only covers you but also your entire family against such illnesses can prove to be very helpful.

Another convenient feature of this policy is that it does not force you to make a choice between covering either your life partner, dependent children, or elderly parents. It is to be noted that the policy has a minimum limit of 2 members and a maximum limit of 6 members allowed to be covered under a single policy. This means that you can easily insure all of your loved ones under a single policy. This is not just limited to your parents, spouse, or children. The policy also allows the proposer to cover their siblings or ward if they are dependent on the proposer. Similarly, employers can use the policy to cover their employees.

• One of the special benefits of this Mediclaim policy is that it can cover your children from 3 months up to 25 years of age, till they are dependent on you. An especially attractive feature is that the policy does not have any age limitations when covering your unmarried daughter(s) or mentally challenged children.
• The policy also covers the treatment of mental illness, stress or psychological disorders, artificial life maintenance, including life support machines, etc., if you meet certain terms and conditions. All these features of the plan will help you to take care of yourself and your loved ones without worrying about the treatment costs of some procedures. 
• The next benefit of the plan will especially sound good to all those who have life partners or parents that might need or feel more comfortable with other sorts of treatment systems. You don't have to worry if say, your parents only trust an ayurvedic cure. This plan makes sure that this is not a problem by allowing you to get up to 25% of the Sum Insured in such cases. To avail of this, make sure you only get admitted to an AYUSH hospital. Then, the plan will help you with your bill, covering for your ayurvedic, homoeopathic or Unani treatments. 
• When we said this plan covers your family, we truly meant it. This is because the plan can not only cover your elder children up to an age limit but can also cover your newborn baby! That's right. If you are a mother who has 24 months of continuous coverage under this plan and gives birth to a baby during the period of the plan, you might be qualified to get your baby safe under the plan! Truly, having a baby is a beautiful experience that stays with you for your entire lifetime. But this time can also be a little difficult for some parents because of some sudden situations. To protect yourself and your baby, this plan can cover your baby against all the illnesses or injuries covered under the plan. But it is very important to remember that the newborn baby will not be automatically covered when you renew your policy unless you add them to the plan.

• Room rent, ICU, ICCU, DMO/RMO, etc. charge up to certain limits of the sum insured
• A good feature of the policy is the option for Mid-term inclusion of newly married spouse by charging a pro-rata premium. 
• Option to choose for Ayurvedic / homoeopathic / Unani treatments
• Covers critical illnesses such as heart attack, cancer, kidney failure, etc. 
• Payment of ambulance charges up to 1% of sum insured
• A free lookup period of up to 15 days to review the terms and cancel the policy if you wish
• Critical care benefit
• Treatment of congenital diseases (external and internal) with some conditions