{"uin":"NIAHLIP25049V032425","name":"New India Sixty Plus Mediclaim Policy (Cashless facility available)","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"health","category":"health-senior","category_name":"Senior citizen health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"New India Sixty Plus Mediclaim Policy is an indemnity health policy for senior citizens with individual sum insured options of Rs. 2, 3 and 5 lakhs. It has a 30-day initial waiting period, a 36-month pre-existing disease waiting period, 10% co-payment, 1% room rent and 2% ICU limits, and covers treatment only in India.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:58:51.13372+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Usually one year from the date of beginning of insurance.","display":"Usually 1 year","note":null,"quote":"The Policy is valid during the Period of Insurance stated in the Schedule attached to the Policy. It is usually valid for a period of one year from the date of beginning of insurance.","sources":[{"clause":"15","heading":"HOW LONG IS THE POLICY VALID?","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13515#c-15"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Intimate the TPA immediately on detection of illness or injury, or 48 hours before hospitalisation. In a medical emergency, intimate within 24 hours from the time of hospitalisation.","display":"Immediately or 48 hours before hospitalisation; within 24 hours for emergency hospitalisation","note":null,"quote":"a) Intimate TPA in writing on detection of any Illness/Injury being suffered immediately or forty-eight hours before Hospitalisation. ... b) Intimate within twenty-four hours from the time of Hospitalisation in case of Hospitalisation due to medical emergency.","sources":[{"clause":"5.13(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-13-a"},{"clause":"5.13(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-13-b"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Bill, Receipt and Discharge certificate / card from the Hospital","Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions","Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological","Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt","Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis"],"display":"Hospital bill, receipt and discharge certificate/card; cash memos with prescriptions; test reports with doctor note; surgeon certificate and bill; attending doctor/consultant/specialist/anaesthetist bill and diagnosis certificate","note":"The documents must be submitted to the TPA within seven days from discharge.","quote":"i) Bill, Receipt and Discharge certificate / card from the Hospital.\nii) Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.\niii) Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.\niv) Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt.\nv) Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis.","sources":[{"clause":"5.13(c)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-13-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Reimbursement claims are to be settled within 15 days from submission of claim. For delayed payment, interest applies from receipt of the last necessary document to payment at 2% above the bank rate.","display":"Within 15 days from submission of claim; delay interest 2% above bank rate from last necessary document","note":null,"quote":"i) Settlement of claims (other than cashless) shall be settled within fifteen days from submission of claim. ... iv. In the case of delay in the payment of a claim, We shall be liable to pay interest from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"5.20(i)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-20-i"},{"clause":"5.20(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-20-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-existing diseases","Specific waiting period","First thirty days waiting period","Investigation & evaluation","Rest cure, rehabilitation and respite care","Obesity/ weight control","Change-of-gender treatments","Cosmetic or plastic surgery","Hazardous or adventure sports","Breach of law","Excluded providers","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Unproven treatments","Sterility and infertility","Maternity expenses","Any expenses incurred on Domiciliary Hospitalization","Treatment taken outside the geographical limits of India"],"display":"PED waiting, specific waiting, first 30 days waiting, investigation/evaluation, rest cure, obesity, change-of-gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, unproven treatments, infertility, maternity, domiciliary hospitalisation, and treatment outside India","note":null,"quote":"PRE-EXISTING DISEASES (Code- Excl01) ... SPECIFIC WAITING PERIOD (Code- Excl02) ... FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03) ... 4.4.1 INVESTIGATION & EVALUATION (Code- Excl04) ... 4.4.2 REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) ... 4.4.3 OBESITY/ WEIGHT CONTROL (Code- Excl06) ... 4.4.4 CHANGE-OF-GENDER TREATMENTS (Code- Excl07) ... 4.4.5 COSMETIC OR PLASTIC SURGERY (Code- Excl08) ... 4.4.6 HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09) ... 4.4.7 BREACH OF LAW (Code- Excl10) ... 4.4.8 EXCLUDED PROVIDERS (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... 4.4.13 UNPROVEN TREATMENTS (Code- Excl16) ... 4.4.14 STERILITY AND INFERTILITY (Code- Excl17) ... 4.4.15 MATERNITY EXPENSES (Code - Excl18) ... Any expenses incurred on Domiciliary Hospitalization. ... Treatment taken outside the geographical limits of India","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-1"},{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-2"},{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-3"},{"clause":"4.4.1","heading":"INVESTIGATION & EVALUATION (Code- Excl04)","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-1"},{"clause":"4.4.2","heading":"REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-2"},{"clause":"4.4.3","heading":"OBESITY/ WEIGHT CONTROL (Code- Excl06) Expenses related to the surgical","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-3"},{"clause":"4.4.4","heading":"CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-4"},{"clause":"4.4.5","heading":"COSMETIC OR PLASTIC SURGERY (Code- Excl08)","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-5"},{"clause":"4.4.6","heading":"HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-6"},{"clause":"4.4.7","heading":"BREACH OF LAW (Code- Excl10)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-7"},{"clause":"4.4.8","heading":"EXCLUDED PROVIDERS (Code-Excl11)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-8"},{"clause":"4.4.9","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-9"},{"clause":"4.4.13","heading":"UNPROVEN TREATMENTS (Code- Excl16)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-13"},{"clause":"4.4.14","heading":"STERILITY AND INFERTILITY (Code- Excl17)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-14"},{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-15"},{"clause":"4.4.17","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-17"},{"clause":"4.4.28","heading":"Treatment taken outside the geographical limits of India","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-28"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances relating to insurance or claims, contact any Customer Care Cell at the company's Regional Offices. Senior citizens may write to seniorcitizencare.ho@newindia.co.in; the policy also refers to the Insurance Ombudsman.","display":"Customer Care Cells at Regional Offices; seniorcitizencare.ho@newindia.co.in for senior citizens","note":null,"quote":"In the event of Your having any grievance relating to the insurance or any claim thereunder, You may contact any of the Customer Care Cells at Regional Offices of the Company or Office of the Insurance Ombudsman under the jurisdiction of which the Policy Issuing Office falls. The contact detail of the office of the Insurance Ombudsman is provided in the Annexure III. Senior Citizens may write to seniorcitizencare.ho@newindia.co.in","sources":[{"clause":"5.7","heading":"GRIEVANCE REDRESSAL","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-7"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Rs. Two, Three and Five Lakhs.","display":"Rs. 2, 3 and 5 lakhs","note":null,"quote":"You are free to choose any of the Sum Insured of Rs. Two, Three and Five Lakhs.","sources":[{"clause":"14","heading":"WHAT SUM INSURED SHOULD I CHOOSE?","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13515#c-14"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Not applicable to accident claims if otherwise covered; does not apply after more than twelve months of Continuous Coverage.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"For enhanced sum insured, the exclusion applies afresh to the increased amount; portability credit can reduce the waiting period.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after commencement of the policy.","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days; 24 and 36 months for other listed conditions","note":"The policy has 90 Days, 24 Months and 36 Months tiers; it is not applicable for claims arising due to an accident.","quote":"Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of Ninety Days / 24 / 36 months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer.","sources":[{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Diabetes Mellitus","Hypertension","Cardiac Conditions","All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","Benign ear, nose, throat disorders","Benign prostate hypertrophy","Cataract and age related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Skin Disorders","Stone in Gall Bladder and Bile duct, excluding malignancy","Stones in Urinary system","Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus","Varicose Veins and Varicose Ulcers","Renal Failure","Puberty and Menopause related Disorders","Behavioural and Neuro-Developmental Disorders","Internal Congenital Diseases","Joint Replacement due to Degenerative Condition","Age-related Osteoarthritis & Osteoporosis","Treatment of mental illness, stress or psychological disorders and neurodegenerative disorders","Age Related Macular Degeneration (ARMD)","Genetic diseases or disorders","Congenital External Diseases"],"display":"Diabetes, hypertension, cardiac conditions, cataract, hernia, hydrocele, piles/fissures/fistula, renal failure, joint replacement due to degenerative condition, mental illness, ARMD, genetic diseases, congenital diseases and other listed conditions","note":null,"quote":"i) 90 Days Waiting Period\n1. Diabetes Mellitus\n2. Hypertension\n3. Cardiac Conditions ... ii) 24 Months waiting period\n1. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n2. Benign ear, nose, throat disorders\n3. Benign prostate hypertrophy\n4. Cataract and age related eye ailments\n5. Gastric/ Duodenal Ulcer\n6. Gout and Rheumatism\n7. Hernia of all types\n8. Hydrocele\n9. Non Infective Arthritis\n10. Piles, Fissures and Fistula in anus\n11. Pilonidal sinus, Sinusitis and related disorders\n12. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n13. Skin Disorders\n14. Stone in Gall Bladder and Bile duct, excluding malignancy\n15. Stones in Urinary system\n16. Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus\n17. Varicose Veins and Varicose Ulcers\n18. Renal Failure\n19. Puberty and Menopause related Disorders\n20. Behavioural and Neuro-Developmental Disorders:\na) Disorders of adult personality\nb) Disorders of speech and language including stammering, dyslexia\n21. Internal Congenital Diseases\n(iii) 36 Months waiting period\n1. Joint Replacement due to Degenerative Condition\n2. Age-related Osteoarthritis & Osteoporosis\n3. Treatment of mental illness, stress or psychological disorders and neurodegenerative disorders.\n4. Age Related Macular Degeneration (ARMD)\n5. Genetic diseases or disorders\n6. Congenital External Diseases","sources":[{"clause":"4.2(e)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-2-e-i"},{"clause":"4.2(e)(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-2-e-ii"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"For enhanced sums insured, the 60 continuous months applies from the date of enhancement for the enhanced limit.","quote":"After completion of sixty continuous months of coverage(including portability and migration in health insurance policy), no policy and claim shall be contestable by the insurer on grounds of non-disclosure, mis-representation except on grounds of established fraud . This period of sixty continuous months is called as Moratorium period.","sources":[{"clause":"5.8","heading":"MORATORIUM PERIOD: After completion of sixty continuous months of coverage(including","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"You can port the policy to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses, credit for sum insured, no claim bonus, PED specific waiting period and moratorium can be transferred.","display":"Yes, apply at least 30 days before but not earlier than 60 days from renewal; waiting-period and other credits can transfer","note":null,"quote":"You will have the option to port the policy to other Insurers by applying to such Insurer to port the entire policy along with all the members of the family, if any, at-least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If policyholder is presently covered and has been continuously covered without any lapses under any Health Insurance policy with an Indian General or Health Insurer, then policyholder can transfer the credit gained to the extent of the sum insured, no claim bonus, specific waiting period for pre-existing diseases, moratorium period etc from the existing insurer to the acquiring insurer in the previous policy.","sources":[{"clause":"5.6","heading":"PORTABILITY AND MIGRATION","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, no renewal age limit stated","note":"Prospectus answer is to the question “IS THERE AN AGE LIMIT UPTO WHICH THE POLICY WOULD BE RENEWED?”","quote":"No. Your Policy can be renewed, as long as You pay the Renewal Premium before the date of expiry of the Policy. The entry age for taking a fresh Policy is minimum 60 years.","sources":[{"clause":"21","heading":"IS THERE AN AGE LIMIT UPTO WHICH THE POLICY WOULD BE RENEWED?","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13515#c-21"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience, and renewal cannot be denied because the insured person made claims in preceding policy years.","display":"No claim-based renewal loading","note":null,"quote":"ii) Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... v) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.3","heading":"RENEWAL CLAUSE","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation (Code- Excl04)","Rest Cure, Rehabilitation and Respite Care (Code- Excl05)","Obesity/ Weight Control (Code- Excl06)","Change-of-Gender Treatments (Code- Excl07)","Cosmetic or Plastic Surgery (Code- Excl08)","Hazardous or Adventure Sports (Code- Excl09)","Breach of Law (Code- Excl10)","Excluded Providers (Code-Excl11)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12)","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error (Code- Excl15)","Unproven Treatments (Code- Excl16)","Sterility and Infertility (Code- Excl17)","Maternity Expenses (Code - Excl18)","Acupressure, acupuncture, magnetic therapies","Any expenses incurred on Domiciliary Hospitalization","Treatment taken outside the geographical limits of India","Vaccination and/or inoculation","War (whether declared or not) and war like occurrence"],"display":"Standard permanent exclusions Excl04 to Excl18 plus specific exclusions including domiciliary hospitalisation, treatment outside India, vaccination and war","note":null,"quote":"4.4.1 INVESTIGATION & EVALUATION (Code- Excl04) ... 4.4.2 REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) ... 4.4.3 OBESITY/ WEIGHT CONTROL (Code- Excl06) ... 4.4.4 CHANGE-OF-GENDER TREATMENTS (Code- Excl07) ... 4.4.5 COSMETIC OR PLASTIC SURGERY (Code- Excl08) ... 4.4.6 HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09) ... 4.4.7 BREACH OF LAW (Code- Excl10) ... 4.4.8 EXCLUDED PROVIDERS (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... 4.4.12 REFRACTIVE ERROR (Code- Excl15) ... 4.4.13 UNPROVEN TREATMENTS (Code- Excl16) ... 4.4.14 STERILITY AND INFERTILITY (Code- Excl17) ... 4.4.15 MATERNITY EXPENSES (Code - Excl18) ... Acupressure, acupuncture, magnetic therapies. ... Any expenses incurred on Domiciliary Hospitalization. ... Treatment taken outside the geographical limits of India ... Vaccination and/or inoculation ... War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.","sources":[{"clause":"4.4.1","heading":"INVESTIGATION & EVALUATION (Code- Excl04)","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-1"},{"clause":"4.4.2","heading":"REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-2"},{"clause":"4.4.3","heading":"OBESITY/ WEIGHT CONTROL (Code- Excl06) Expenses related to the surgical","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-3"},{"clause":"4.4.4","heading":"CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-4"},{"clause":"4.4.5","heading":"COSMETIC OR PLASTIC SURGERY (Code- Excl08)","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-5"},{"clause":"4.4.6","heading":"HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-6"},{"clause":"4.4.7","heading":"BREACH OF LAW (Code- Excl10)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-7"},{"clause":"4.4.8","heading":"EXCLUDED PROVIDERS (Code-Excl11)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-8"},{"clause":"4.4.9","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-9"},{"clause":"4.4.10","heading":"Treatments received in health hydros, nature cure clinics, spas or similar","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-10"},{"clause":"4.4.11","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-11"},{"clause":"4.4.12","heading":"REFRACTIVE ERROR (Code- Excl15)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-12"},{"clause":"4.4.13","heading":"UNPROVEN TREATMENTS (Code- Excl16)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-13"},{"clause":"4.4.14","heading":"STERILITY AND INFERTILITY (Code- Excl17)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-14"},{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-15"},{"clause":"4.4.16","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-16"},{"clause":"4.4.17","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-17"},{"clause":"4.4.28","heading":"Treatment taken outside the geographical limits of India","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-28"},{"clause":"4.4.29","heading":"Vaccination and/or inoculation","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-29"},{"clause":"4.4.30","heading":"War (whether declared or not) and war like occurrence or invasion, acts of foreign","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-4-4-30"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel during the term by giving 7 days’ written notice. For policy terms up to one year, proportionate premium for the unexpired period is refunded if no claim has been made; no refund is made if any claim has been admitted, lodged or any benefit availed.","display":"Proportionate refund for unexpired period if term is up to 1 year and no claim; no refund if a claim is admitted or lodged or benefit availed","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. ... a) refund proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... Not with standing anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"5.4","heading":"CANCELLATION CLAUSE","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-4"},{"clause":"5.4(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-4-a"},{"clause":"5.4(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-4-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers medical or surgical treatment and services rendered only in India, and admissible claims are payable only in Indian Rupees.","display":"India only","note":null,"quote":"This Policy covers medical/surgical treatment and/or services rendered only in India. Admissible claims shall be payable only in Indian Rupees.","sources":[{"clause":"5.11","heading":"PLACE OF TREATMENT AND PAYMENT","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-11"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to new individual health insurance policies, except policies of less than a year, renewals, or at porting/migrating.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable. A period of 30 days (from the date of receipt of the policy document) is available to the policyholder to review the terms and conditions of the policy.","sources":[{"clause":"5.5","heading":"FREE LOOK PERIOD","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the Grace Period.","sources":[{"clause":"5.3","heading":"RENEWAL CLAUSE","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The entry age is 60 years and above. Only two members, a senior citizen and spouse, can be covered on individual basis; at least one insured person must be a senior citizen.","display":"60 years and above","note":"The policy gives an example where a 61-year-old primary member and 55-year-old spouse can both be covered.","quote":"The entry age is 60 years and above. At least one of the covered member should be a senior citizen i.e.\n• Only two members i.e. a senior citizen and his/her spouse can be covered on individual basis in one policy.\n• At least one insured person shall be a senior citizen","sources":[{"clause":"1","heading":"WHO CAN TAKE THIS POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13515#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Per Annum"],"display":"Per Annum","note":null,"quote":"Premium chart for New India Sixty Plus Mediclaim Policy (Per Annum) (Excluding GST)","sources":[{"clause":null,"heading":"NEW INDIA SIXTY PLUS MEDICLAIM POLICY - PREMIUM TABLE","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13515#c-new-india-sixty-plus-mediclaim-policy-premium-ta"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["OPTIONAL COVER: VOLUNTARY CO-PAY"],"display":"Voluntary co-pay: extra 10% co-pay for a total co-pay of 20%","note":null,"quote":"3.4 OPTIONAL COVER: VOLUNTARY CO-PAY ... If You opt for a voluntary co-pay of an extra 10% i.e. for a total co-pay of 20%, a discounted Premium given in the table shall be charged.","sources":[{"clause":"3.4","heading":"OPTIONAL COVER: VOLUNTARY CO-PAY","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-3-4"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period.","display":"No cover during the grace period","note":null,"quote":"Coverage is not available during the Grace Period.","sources":[{"clause":"5.3","heading":"RENEWAL CLAUSE","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-3"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself.","status":"quote-verified","value":"You bear 10% of the final admissible claim amount. If voluntary co-pay is opted, total co-payment is 20%; co-payment is not applicable if a claim is admissible under section 3.2.","display":"10% of final admissible claim; 20% if voluntary co-pay opted; not applicable under section 3.2","note":null,"quote":"You shall bear a Co-Payment of 10% of the final claim admissible amount and Our liability shall be restricted to the payment of the balance amount subject to the available Sum Insured and Cumulative Bonus Buffer ... If You opt for a voluntary co-pay of extra 10% i.e. for a total co-payment of 20% ... Co-Payment is not applicable if a Claim is admissible under section 3.2.","sources":[{"clause":"3.5","heading":"CO-PAYMENT","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-3-5"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments even if the sum insured is higher.","status":"quote-verified","value":["Angiography (CT Angiogram excluded): 14000 / 20000 / 25000","Cataract (each eye): 15000 / 20000 / 25000","Hydrocele Surgery: 20000 / 30000 / 50000","Dialysis (With a cap of 1500 per sitting): 25000 / 35000 / 50000","Fissurectomy: 27000 / 38000 / 45000","Fistulectomy: 27000 / 38000 / 45000","Surgery of Hernia: 30000 / 40000 / 60000","Appendectomy: 30000 / 40000 / 60000","Transurethral resection of the prostate (TURP)/ BPH surgery: 30000 / 40000 / 60000","Hysterectomy: 30000 / 40000 / 60000","Cholecystectomy: 30000 / 40000 / 60000","Arthroscopic Surgery: 30000 / 40000 / 60000","Haemorrhoidectomy: 30000 / 40000 / 60000","Renal stones related surgical procedures: 38000 / 55000 / 70000","All major Surgical and Medical Treatment for Fractures and Dislocations: 50000 / 70000 / 100000","PID-Discectomy: 70000 / 80000 / 100000","PTCA (Angioplasty): 75000 / 120000 / 150000","Joint Replacement for Major Joints (Per Joint): 80000 / 100000 / 150000","Major Spinal Surgeries: 100000 / 150000 / 200000","All Major Cancer Surgeries: 140000 / 200000 / 275000","Major Organ Transplant (Including Donor Expenses): 150000 / 200000 / 300000","CABG (Coronary Artery Bypass Graft): 150000 / 200000 / 275000"],"display":"Specified treatment caps vary by sum insured of 2 Lakhs, 3 Lakhs and 5 Lakhs","note":"The table states these limits include Pre & Post Hospitalization expenses; co-payment and sub-limits in section 3.1 are not applicable if the claim is admissible under section 3.2.","quote":"Treatments/Surgeries | 2 Lakhs | 3 Lakhs | 5 Lakhs\nAngiography (CT Angiogram excluded) | 14000 | 20000 | 25000\nCataract (each eye) | 15000 | 20000 | 25000\nHydrocele Surgery | 20000 | 30000 | 50000\nDialysis (With a cap of 1500 per sitting) | 25000 | 35000 | 50000\nFissurectomy | 27000 | 38000 | 45000\nFistulectomy | 27000 | 38000 | 45000\nSurgery of Hernia | 30000 | 40000 | 60000\nAppendectomy | 30000 | 40000 | 60000\nTransurethral resection of the prostate (TURP)/ BPH surgery | 30000 | 40000 | 60000\nHysterectomy | 30000 | 40000 | 60000\nCholecystectomy | 30000 | 40000 | 60000\nArthroscopic Surgery | 30000 | 40000 | 60000\nHaemorrhoidectomy | 30000 | 40000 | 60000\nRenal stones related surgical procedures | 38000 | 55000 | 70000\nAll major Surgical and Medical Treatment for Fractures and Dislocations | 50000 | 70000 | 100000\nPID-Discectomy | 70000 | 80000 | 100000\nPTCA (Angioplasty) | 75000 | 120000 | 150000\nJoint Replacement for Major Joints (Per Joint) | 80000 | 100000 | 150000\nMajor Spinal Surgeries | 100000 | 150000 | 200000\nAll Major Cancer Surgeries | 140000 | 200000 | 275000\nMajor Organ Transplant (Including Donor Expenses) | 150000 | 200000 | 300000\nCABG (Coronary Artery Bypass Graft) | 150000 | 200000 | 275000","sources":[{"clause":"3.2","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-3-2"}],"law":[]},{"key":"pre_policy_checkup","label":"Medical tests before buying","section":"Eligibility","meaning":"Whether you need medical tests before the policy is issued.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs before admission that are paid.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Subject to a maximum limit of 10% of the Sum Insured, if the claim is accepted under section 3.1.","quote":"We will pay You the Pre & Post Hospitalization expenses of 30 days, 60 days respectively, subject to the maximum limit of 10% of the Sum Insured, if the Claim has been accepted under section 3.1","sources":[{"clause":"3.9","heading":"PRE & POST HOSPITALIZATION EXPENSES: We will pay You the Pre & Post Hospitalization","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-3-9"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs after discharge that are paid.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":"Subject to a maximum limit of 10% of the Sum Insured, if the claim is accepted under section 3.1.","quote":"We will pay You the Pre & Post Hospitalization expenses of 30 days, 60 days respectively, subject to the maximum limit of 10% of the Sum Insured, if the Claim has been accepted under section 3.1","sources":[{"clause":"3.9","heading":"PRE & POST HOSPITALIZATION EXPENSES: We will pay You the Pre & Post Hospitalization","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-3-9"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital.","status":"quote-verified","value":"Specified procedures or treatments mentioned in Annexure I are covered with admission for less than twenty-four consecutive hours. Procedures usually done in outpatient department are not payable even if converted to inpatient for more than twenty four consecutive hours.","display":"Listed day-care procedures in Annexure I are covered","note":"Annexure I lists the covered day care procedures.","quote":"HOSPITALISATION means admission in a Hospital for a minimum period of twenty-four consecutive hours of Inpatient Care except for specified procedures / treatments as mentioned in Annexure I, where such admission could be for a period of less than twenty four consecutive hours. ... Note: Procedures / treatments usually done in outpatient department are not payable under the Policy even if converted as an in-patient in the Hospital for more than twenty four consecutive hours.","sources":[{"clause":"2.18","heading":"HOSPITALISATION","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-2-18"},{"clause":null,"heading":"Note","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-note"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"Cumulative Bonus Buffer accrued under any of the insurer's policies on migration to this policy is protected and carried forward, but no fresh accrual is allowed.","display":"Existing Cumulative Bonus Buffer protected on migration; no fresh accrual","note":"The buffer can be carried over if renewal is effected before or within thirty days of policy expiry, and is carried forward unless completely utilized.","quote":"The Cumulative Bonus Buffer accrued under any of our policies, on migration to New India Sixty Plus Mediclaim Policy is protected. However, no fresh accrual will be allowed.","sources":[{"clause":"5.17","heading":"CUMLATIVE BONUS BUFFER","page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-17"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available through network hospitals when applied for before treatment and accepted by the TPA; payment is made directly to the Network Hospital. If cashless is not accepted, bills must be submitted to the TPA after you pay the hospital.","display":"Cashless at Network Hospitals if pre-authorised and accepted by TPA","note":"Cashless facility is a mode of claim payment and cannot be demanded in every claim.","quote":"Payment shall be made directly to Network Hospital if Cashless facility is applied for before treatment and accepted by TPA. If request for Cashless facility is not accepted by TPA, bills shall be submitted to the TPA after payment of Hospital bills by you.","sources":[{"clause":"5.11","heading":"PLACE OF TREATMENT AND PAYMENT","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-11"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled through the Third Party Administrator (TPA).","display":"TPA","note":null,"quote":"If during the Period of Insurance, You or any Insured Person incurs Hospitalisation Expenses which are Reasonable and Customary, and Medically Necessary for treatment of any Illness or Injury, we will reimburse such expense incurred by You, through the Third Party Administrator, in the manner stated herein. ... Payment shall be made directly to Network Hospital if Cashless facility is applied for before treatment and accepted by TPA.","sources":[{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-1"},{"clause":"5.11","heading":"PLACE OF TREATMENT AND PAYMENT","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498#c-5-11"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":false,"display":"No, individual sum insured","note":null,"quote":"Sum Insured Basis | Individual Sum insured. options available are Rs. 2, 3, and 5 lakhs. ... Only two members i.e. a senior citizen and his/her spouse can be covered on individual basis in one policy.","sources":[{"clause":"Row 4","heading":"Sum Insured Basis","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13486#c-row-4"},{"clause":"1","heading":"WHO CAN TAKE THIS POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13515#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Clauses New India Sixty Plus Mediclaim Policy","pages":36,"fetched_at":"2026-10-17 19:52:54+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-sixty-plus-mediclaim-policy/Policy%20Clause%20New%20India%20Sixty%20Plus%20Mediclaim%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13498"},{"kind":"prospectus","label":"Prospectus New India Sixty Plus Mediclaim Policy","pages":18,"fetched_at":"2026-10-17 19:53:41+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-sixty-plus-mediclaim-policy/Prospectus%20New%20India%20Sixty%20Plus%20Mediclaim%20Policy%20updated.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13515"},{"kind":"cis","label":"CIS New India Sixty Plus Mediclaim Policy","pages":3,"fetched_at":"2026-10-17 19:52:38+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-sixty-plus-mediclaim-policy/Customer%20Information%20Sheet%20New%20India%20Sixty%20Plus%20Mediclaim.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13486"},{"kind":"brochure","label":"Policy Brochure","pages":2,"fetched_at":"2026-10-17 19:51:50+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-sixty-plus-mediclaim-policy/1%20Sixty%20Plus%20Pamphlet.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/13464"},{"kind":"premium","label":"Premium Chart New India Sixty Plus Mediclaim Policy (WEF 01 Nov 2024)","pages":null,"fetched_at":"2026-10-17 19:51:39+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-sixty-plus-mediclaim-policy/New%20India%20Sixty%20plus%20Premium%20chart.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/30481"},{"kind":"proposal","label":"Proposal Form New India Sixty Plus Mediclaim Policy","pages":null,"fetched_at":"2026-10-17 19:52:41+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-sixty-plus-mediclaim-policy/Proposal%20Form%20New%20India%20Sixty%20Plus%20Mediclaim%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425/document/30490"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.newindia.co.in/grievance","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"New India Sixty Plus Mediclaim Policy (Cashless facility available) (UIN NIAHLIP25049V032425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-sixty-plus-mediclaim-policy-cashless-facility-available-niahlip25049v032425"}