IRDAI UIN: NIAHLIP21056V032021
✓ Standard CIS Audited
individual
New India Assurance Standard Mediclaim
Statutory Customer Information Sheet (CIS) analysis under IRDAI (Protection of Policyholders' Interests) Regulations, 2024.
Entry Age 18 to 65 Years
Sum Insured Range ₹2L to ₹15L
Mandatory Co-Pay 0% Base
TPA Desk Model standalone tpa
1. Room Rent & ICU Limits (The Haircut Risk)
⚠️ Haircut Clause Active Room Category Allowed:
percentage of si
Capped at 1% of Sum Insured daily. Upgrades trigger proportional deductions.
ICU / ICCU Allowance:
percentage of si
Capped at 2% of Sum Insured daily.
2. Waiting Periods & The 5-Year Moratorium Lock
Initial Waiting Period:
30 Days
Accidental hospitalization covered from Day 1.
Pre-Existing Diseases (PED):
36 Months
Section 45 Moratorium:
5-Year Safety Lock
Claims cannot be rejected on non-disclosure after 5 years.
3. Procedure Sub-limits & Modern Treatments
Cataract Cap (Per Eye):
₹40,000
Joint Replacement Cap:
₹2,50,000
Robotic Surgery Limit:
₹2,50,000
AYUSH Alternative Care:
₹50,000