The impairment of a person’s intellectual faculties caused by the usage of drugs, stimulants or depressants as prescribed by a medical practitioner is covered, subject to it arising during treatment of covered illness. The coverage would be available up to the sum insured mentioned in the New India assurance mediclaim policy.
Artificial life maintenance including life support machine use, in which cases such treatments would not result in recovery or restoration of the previous state of health under any circumstances unless in a vegitative state as certified by the treating doctor is covered following admission for a covered illness.
The costs involved in the treatment of mental illness or stress would be covered including the pre and post hospitalization after a waiting period of 48 months. These illnesses include:
The cost of treatment of behavioral, neural and psychological disorders are covered under the New India mediclaim health insurance policy. Disorders of adult personality and disorders of speech and language including stammering, dyslexia, are covered as inpatient procedures. Genetic disorders or diseases are also covered after a certain waiting period as mentioned in the policy document.
Treatement for any symptoms, illnesses, complications arising due to phsycological conditions associated with puberty, menopause such as menopause bleeding or flusing is covered only as inpatient procedure after a certain waiting period as specified in the policy copy.
The hospitalization of the insured member of the New India assurance mediclaim policy is covered up to a certain limit as mentioned in the policy terms and conditions. In-patient hospitalization, outpatient hospitalization, day care hospitalization etc are covered under the New India health insurance policy.