THE  NEW  INDIA  ASSURANCE
                 COMPANY  LIMITED
                           DIVISIONAL  OFFICE - 712500 
     Mount Casa Blanca Building, 2nd Floor, 260 Anna Salai, CHENNAI-600 006
                            Phone  044-23456824, 23456826, 23456827   Fax : 044-23456825  Email : nia25@vsnl.com

How we issue Fresh Goodhealth Policy

For this policy, you should have valid citibank credit card and premium will be debited in citibank credit card.

Goodhealth policy has two in built policies    i.e. Personal Accident Policy and Mediclaim Policy  You can choose both policies or choose any one.

If CITIBANK REPRESENTATIVE contacts you over phone for this policy (NEW INDIA will not contact you directly for this policy) you can give your consent by providing name, relationship, gender, date of birth for the persons to be covered under this policy and note down the name of the person who contacts you for this policy. (for future reference).

Or You can apply for this policy by filling the form and send the same to CITIBANK CARD CENTRE, (Attn.Goodhealth Policy, No.2 Club House Road, CHENNAI-600 002.

If you want to include a person aged above 60 years of age (but less than 70), you have to submit following medical reports  for the said person.

1) ECG   2) Blood Sugar and Urine Sugar (Fasting & Post Prandial), 3) Medical Practitioner's Report.

Please note that all the above 3 reports should be submitted  for covering person above 60 years of age (but less than 70). (Otherwise, the insurance coverage will be rejected by us).

Your application will be processed at citibank and appropriate premium will be debited in your citibank credit card if insurance can be given.

Data of the persons who can be given Goodhealth policy will be sent by citibank to our office and we will print and process all the policy certificates.

This nomination form should be submitted to our office in duplicate ( If personal accident policy is not covered, then this nomination is not required).  We will acknowledge receipt of this nomination form and send one copy to you.

Non-photo ID cards will be issued by our Claims Third Party Administrator (M/s.TTK Healthcare TPA Pvt.Ltd) for the persons covered in Mediclaim Policy . (ID cards will be issued one time only and the same ID cards are valid for subsequent renewals also.).  Along with ID cards, list of network hospitals of your area where TTK Healthcare TPA Pvt Ltd., can handle pre-authorize request will be attached.

If the card member's spouse/children/parents are coverd under our mediclaim policy section, then we will issue INCOME TAX rebate certificate. (refer bottom portion of the policy certificate.)

This policy certificate also has premium column which is the proof of the premium paid to us by citibank on your behalf.

If you find any corrections to be made in the policy certificate like change in address, spelling mistakes if any etc., you may contact this office nia25@vsnl.com or write a letter to below mentioned address.

The Senior Divisional Manager
The New India Assurance Co.Ltd.,
Citibank Divisional Office 712500
260 Anna Salai (Near Anand Theatre)
CHENNAI-600 006.

Any ID Cards related issues, you may contact chennicare@ttkhealthcareservices.com or write a letter to below mentioned address

The TTK Healthcare TPA Pvt.Ltd.,
Anmol Palani Centre
No.88 G.N. Chetty Road
2nd Floor,
T. Nagar
CHENNAI-600 017.

Duirng the Policy period, all address changes should be intimated to our office and we will update the changes in our database so that next year renewal  notice will be sent to the new address.

CLAIMS

For medical expenses claim, first ascertain that the person is covered under our mediclaim policy cover section.

Then,  please contact TTK Healthcare TPA Pvt.Ltd, Chennai (Toll Free : 1800-425-7575 or 1800-425-8885 or cell phone users may contact 98452 48885) and provide policy certificate number well in advance i.e. 2 days prior to date of hospitalisation (or hospitalization is done on an emergency basis) and ask for pre-authorization request. (They will guide you). 

They will process your request (according terms and conditions of the policy) and found eligible, they will issue Pre-Authorizaton approval letter to the hospital directly (if the hospital is figured in TTK Healthcare TPA Pvt.Ltd network list)
and settle the eligible amount to the hospital.  Balance amount if any, should be borne by you.

Or, for any reason, the pre-authorization request is denied or the hospital is not in the network hospitals of TTK Healthcare TPA Pvt.Ltd , then you settle the hospital bills and claim with TTK Healthcare TPA Pvt.Ltd.  You can download a claim from www.ttkhealthcareservices.com or you may contact them over phone and request for claim form. They will guide you how to proceed in the claim.

The settled amount will be deducted from the total sum insured of the person for whom the claim is settled and balance sum insured will become sum insured for future claims if any in that policy period. If there is no sum insured available under the
mediclaim policy section for that person, then any subsequent claims will not be entertained for that person during the policy period.

E.g

Person X is insured for Rs.2 lacs under Mediclaim Section. and the policy period is 01.10.2006 to 30.09.2007.

If X is admitted in the hospital and claim is settled for Rs.75,000/-, then balance Rs.1,25,000 is only available for future claim during 01.10.2006 to 30.09.2007 (Rs. 2 lacs - Rs.75,000/-)

If X is admittted in the hospital and another claim is settled for Rs. 85,000/- then he will have balance of Rs.40,000/- only for future claim during 01.10.2006 to 30.09.2007 (Rs.1,25,000 - Rs. 85,000/-)

If X is again admitted and the cost of medical expenses exceeds Rs,.40,000/-, then this Rs.40,000/- only will be considered for settlement and no more claim will be entertained for Mr.X. in that year.(Rs.40,000/ - Rs.40,000/-)

If the policy is renewed from 01.10.2007 to 30.09.2008, then Mr.X is eligible to claim under the renewed policy (hospitalisation is on or after 01.10.2007) and limit of sum insured is the sum insured mentioned in the policy.  If he claims again, and the amount settled will be deducted in sum insured and balance sum insured is available for future claims as stated above.

If X is taken for Personal Accident cover only and not opted for Mediclaim Cover, then any medical expenses incurred by Mr.X during hospitalisation cannot be paid.

In Personal Accident Policy, if Mr.X dies in accident, then the sum insured mentioned in the policy in personal accident section will be paid to the nominee registered with us (in Mr.X's nomination form) after obtaining required legal documents.

For all Personal Accident policy claims, our office should be contacted.
nia25@vsnl.com, or 044-23456824,23456826,23456827.

For all mediclaim policy claims, TTK Healthcare TPA Pvt.Ltd., should be contacted.
(Toll Free : 1800-425-7575 or 1800-425-8885 or cell phone users may contact 98452 48885)

CANCELLATION:

To cancel this Goodhealth Policy written request should be sent to indiaservice@citicorp.com or to CITIBANK CARD CENTRE, (Attn.Goodhealth Policy, No.2 Club House Road, CHENNAI-600 002. or you can email to us nia25@vsnl.com

If the request for cancellation received by us before the commencement of the policy, then 100% premium will be refunded.

If the request for cancellation received by us after commencement of policy, then refund percentage will be applied as follows:

Request received between 0-45 days from the date of commencement of policy, Rs.62 for personal accident policy will be deducted (if covered) per person and Rs.130 will be deducted per person who are covered in the  mediclaim policy section.

Request received between 46-90 days from the date of commencement of policy, 50% of the premium will be refunded per person.

Request received between 91-180 days from the date of commencement of policy, 25% of the premium will be refunded per person.

Request received after 180 days from the date of commencement of policy, no premium will be refunded.

Cancellation can be done in following manner also:

1) By choosing person  (In this case, both Personal Accident policy and Mediclaim Policy for that person can be cancelled.)

2) By choosing person insurance coverage. (In this case, Personal Accident policy or Mediclaim Policy Section can be
    cancelled for that person)
3) Whole policy certificate  (In this case, all the persons mentioned in the policy certificate will be cancelled and they will not
    have insurance cover in Personal Accident Policy and in Mediclaim Policy.)

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