GMC POLICY RENEWAL 2026-27 – SALIENT FEATURES ( FOR RETIREES)

 📢 NEW INDIA ASSURANCE – RETIRED EMPLOYEES

🩺 GMC POLICY RENEWAL 2026-27 – SALIENT FEATURES (RETIREES)

👉 Para 1 – Free Medical Check-up Enhanced

✅ Free medical check-up limit increased

✅ Now: 1% of Average Family SI up to ₹10,000

✅ Available once after block of four claim-free years

👉 Para 2 – Maternity Benefit Limits Increased

✅ Normal Delivery

🟢 A Class Cities – ₹65,000

🟢 Other Cities – ₹55,000

✅ Caesarean Delivery

🟢 A Class Cities – ₹1,20,000

🟢 Other Cities – ₹85,000

⚠️ Waiting Period Introduced

🔸 One year waiting for newly added spouse / child

👉 Para 3 – Maternity Coverage Restriction

⚠️ Maternity allowed only for first two living children

✅ Claims between first & second child admissible

❌ No maternity after second living child

👉 Para 4 – Diagnostic Tests Without Hospitalisation (New)

✅ Diagnostic tests reimbursable without admission

✅ Must be recommended by Specialist / MD

✅ Limit: 1% of SI OR ₹20,000 per family (whichever less)

✅ Once per test per insured in policy year

👉 Para 5 – Sum Insured Modification

✅ Enhancement to higher SI slab permitted

❌ Reduction in SI not permitted

✅ Reduction allowed only if family size reduces

👉 Para 6 – Restoration of Sum Insured (New Benefit)

🟢 Applicable for SI ₹25 Lakhs & above

✅ If SI exhausted, it will be restored

✅ Available for further claims in same year

👉 Para 7 – Room Rent Limit Increased

✅ Higher room rent eligibility introduced

🟢 Up to 1% of SI (up to ₹10 lakh)

🟢 0.5% beyond ₹10 lakh

🟢 Maximum up to ₹17,000

👉 Para 8 – Twins in Second Delivery Covered

✅ Company contribution allowed

✅ Twins in second delivery now covered

👉 Para 9 – Transportation of Mortal Remains (New)

✅ Reimbursement introduced

🟢 Up to ₹5,000

✅ From hospital to residence / funeral place

👉 Para 10 – Mid-term Inclusion (Retirees also eligible)

✅ Newly married spouse can be added

✅ Parents / parents-in-law can be added

✅ Newborn child can be added

🟢 Within 90 days of event

👉 Para 11 – Continuity Certificate for Independent Children

✅ Certificate issued if independent children exit GMC

✅ Helps them take individual mediclaim policy

⚠️ Once excluded – cannot rejoin GMC

📌 Overall Highlights for Retirees

✅ Free check-up doubled

✅ Room rent increased

✅ SI restoration introduced

✅ Diagnostic tests covered

✅ Transportation benefit added

✅ Maternity limits enhanced

⚠️ Maternity restricted to two living children

⚠️ Waiting period introduced for new additions.

A NIARAS KERALA VISION