Good Health Insurance

All your related expenses for up to 30 days before and up to 60 days after hospitalisation are reimbursed under Good Health Insurance. Please note that these expenses must be related to the condition for which you are hospitalised & the claim for hospitalisation is found admissible.

Offers fixed amounts per day to take care of incidental expenses during Hospitalization. It is an option only under certain plans. Hospital Cash benefits are available for upto a maximum of 15 days / 30 days / 200 days. This benefit is not applicable for Day Care Procedures.

Certain medical procedures do not call for long periods of hospitalisation. These procedures that are treated in specialized Day Care centers enable the insured person to be discharged on the same day. Good Health covers many Day Care Procedures. A detailed list is available in the policy wordings for Good Health Insurance.

Good Health provides rewards for claim free record by way of Cumulative Bonus. Sum insured under the policy shall be progressively increased by 5% in respect of each claim free year of insurance subject to maximum accumulation of 10 claim free years. In case of claim under the policy the cumulative bonus shall stand reduced by 5% for the person who has made the claim.

Plan chosen with 200 days Hospital Cash Benefit provides for payment of a sum of Rs. 2000 per day in case of hospitalization treatment due to Accident / treatment in ICU for a maximum period of 15 days. This benefit is payable only once during the policy period.

Plans chosen with 200 days Hospital Cash Benefit provides for a lump sum amount ofRs. 15,000 in case of prolonged Hospitalization when confinement to hospital exceeds 21 consecutive days. This benefit is payable only once during the policy period.

Pre-Existing conditions at the time of applying for insurance shall be covered after 48 months of continuous insurance under this policy.

Personal Accident Coverage is available as an additional/optional cover to your Good Health Insurance Policy. This Plan is available at attractive rates and can be opted as a standalone policy under Good Health Insurance.

You can make a claim under your Good Health Insurance coverage in two ways:

1. If you plan to get admitted to a hospital that is part of the Good Health network, please call the 24-Hour helpline number of TPA and take an authorization at least 72 hours in advance. This way you can avail of Good Health Cashless Hospitalization benefit. Once your treatment is over, you can simply walk out of the hospital without worrying about the bills. New India will settle the bills directly with the hospital. In case of an emergency hospitalization, you can call TPA up to 48 hours after being admitted to take the authorization.
2. In case you have to be admitted to any other hospital, you need to send all the bills along with supporting documentation to TPA for reimbursement. The list of hospitals that are currently part of Good Health network is available in the Policy summary booklet that is supplied by TPA.

Using the Cashless Facility, you can walk into any of the networked hospitals, get treated, and walk out without having to pay any of the hospitalisation or medical bills. TPA has tied up with more than 5000+ network hospitals across the country for providing you cashless access. This relaxes you from the hassles of having to pay your bills first and then claiming them from the insurance company as with other medical policies.

As per Section 80-D of the Income Tax Act, you are entitled to claim Income Tax deduction up to a maximum amount of Rs.25,000 for premium paid towards self, spouse and dependant children.

In case of premium paid towards dependant parents you can avail an additional benefit up to Rs.25,000 and if they are senior citizens the benefit is extended up to Rs.30,000 in a financial year.

*Any premium paid towards the Good Health Policy will be eligible for Income Tax benefits under Section 80-D of the Income Tax Act, in the assessment year in which the premium is paid. The above exemption is as per the Income Tax Act 1961 and is subject to change as per amendments made there from time to time.

Good Health Mediclaim Premium paid in respect of extended family (In-laws / brother / sister) and Personal Accident Premium are not eligible for consideration for Income Tax benefit.

Applicants less than 60 years of age do not require any medical examination

1. Should you wish to cancel your Good Health Insurance coverage, you can call 24-hours CitiPhone or write to Citibank.
2. You can also contact The New India Assurance Co. Ltd. through the contact details mentioned in the attached brochure.

• This plan at inception and renewal has a free look period of 45 days from the date of inception of policy. On review of the policy Terms and conditions, if you are not satisfied with this plan, then you can cancel your plan within this
  45 days free look period. You shall be eligible for a refund premium, after deducting applicable risk premium, less the cost of medical examination incurred by the Company and stamp duty charges, where applicable, provided your intimation of cancellation reach us within the free look period. Your policy documents will reach you within 20 days from the date of commencement of the policy.
• In case you cancel your coverage after the free look period, refund of premium shall be as per the short period rates mentioned in the policy.