The New India Top-Up Mediclaim Policy is a supplemental health insurance plan that provides coverage for hospitalization expenses exceeding a pre-determined threshold. This policy works in conjunction with an existing primary health insurance policy, offering additional coverage for high medical costs.

Key Features:

• Purpose: To cover in-patient hospitalization expenses incurred in India, exceeding the threshold limit of the primary health insurance policy.
• Eligibility: Available to individuals aged 18 to 65 years and families (up to 6 members) with or without existing health insurance.
• Threshold Limit: The policy covers expenses exceeding the chosen threshold limit, with options ranging from ₹5 lakhs to ₹8 lakhs.
• Sum Insured: The maximum liability of the company for all members, ranging from ₹5 lakhs to ₹22 lakhs.
• Coverage: Hospitalization expenses, including room rent, ICU charges, surgeon fees, anesthesia, blood, oxygen, OT charges, surgical appliances, medicines, drugs, diagnostic materials, and more.
• Benefits: Hospital Cash, Get Well Benefit, Ambulance charges, and coverage for AYUSH treatments.
• Modern Treatments: Coverage for modern treatments like Uterine Artery Embolization, Balloon Sinuplasty, Deep Brain Stimulation, and more.
• Specific Coverages: Mental Illness, Puberty and Menopause related disorders, Age related Macular Degeneration, and Genetic diseases.

Exclusions:

• Pre-existing diseases (covered after 48 months)
• Specific waiting periods for certain conditions
• First thirty days waiting period (excluding accidents)
• Excluded providers, cosmetic surgery, hazardous sports, breach of law, etc.

This policy provides an additional layer of financial protection for policyholders, ensuring they can access quality healthcare without excessive financial burden in case of high medical expenses.