Network hospitals
3000+
Incurred claim ratio
90.73%
Sum insured
Up to 2 Crore
No. of Plans
1
Solvency Ratio
1.8
Pan India Presence
1800+
New India Assurance Mediclaim Policy offered by New India Assurance Health Insurance Company is a health plan that covers you and your family against any unfortunate hospitalization expenses. This plan includes up to 6 family members (self, spouse, parents, and children) and all the individuals should be aged between 18 years to 65 years. This policy is valid for one year from the date of the start of the policy. The sum insured options are Rs. 1, 2, 3, 4, 5,8, 10, 12, and 15 lakhs. There are other options available for renewal (4,6,7 Lakh Sum Insured bands are only available for renewals). Insured persons will be covered under a single dedicated Sum Insured.
New India Mediclaim offers a multitude of benefits like AYUSH treatment, New Born Baby Cover, organ transplant expenses, and more.
To understand New India Medicare Policy Insurance in detail, take a look at the below table:
18 Year to no age limit
Individual and Family Health Insurance
1 L | 2 L | 3 L | 4 L | 5 L | 8 L | 10 L | 12 L | 15 L
30 Days
Lifelong
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
With wide coverage options available, New India Medicare Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Not Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
New India Health Insurance
New India Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, New India Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums for different family sizes.
Sum Insured (in Rs.) | 5 Lakhs | 8 Lakhs | 10 Lakhs | 15 Lakhs |
Premium Payable | 5,691 | 7,058 | 7,980 | 9,837 |
Permanent diseases or health conditions that are not included under the New India Assurance Mediclaim Policy are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and Abortion
Congenital disease
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 48 Months
To cater to the different medical needs of an individual & their family, New India Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to New India Health Insurance plans explore more:
Top Up and Super Top Up
New India Top-Up Mediclaim is a top-up insurance plan that covers hospitalization expenses once your base health insurance is exhausted. The policy is...
Unique Features
Senior Citizen Health Insurance
New India Sixty Plus Mediclaim Policy is a comprehensive health insurance by New India Assurance Company. The policy covers senior citizens aged betwe...
Unique Features
Accident Health Insurance
New India Assurance Personal Accident Policy is a simple health insurance plan that provides compensation in case the insured is deceased or disabled ...
Unique Features
Individual and Family Health Insurance
New India Assurance Mediclaim Policy offered by New India Assurance Health Insurance Company is a health plan that covers you and your family against ...
Unique Features
Individual and Family Health Insurance
The New India Asha Kiran Policy by New India Health Insurance is a unique policy designed for parents with only a girl child. The New India Asha Kiran...
Unique Features
Senior Citizen Health Insurance
New India Assurance Senior Citizen Mediclaim Policy is a comprehensive plan which provides many benefits such as medical cover, cashless hospitalizati...
Unique Features
Family
New India Floater Mediclaim by New India Assurance is amongst the well-recognized insurance plans when opting for a comprehensive New India Health Ins...
Unique Features
Individual and Family Health Insurance
New India Premier Mediclaim Policy is a versatile health insurance policy that can cover up to 6 members of your family under a single policy. New Ind...
Unique Features
Critical Illness Health Insurance
New India Cancer Guard Policy by New India Assurance is a health insurance plan that provides a financial cushion for expensive treatments such as Can...
Unique Features
Group Health Insurance
New India Flexi Floater Group Mediclaim Policy is a comprehensive health insurance plan. Since a group policy is designed to offer financial protectio...
Unique Features
Individual and Family Health Insurance
The New India Assurance Yuva Bharat Health Policy is a comprehensive health insurance plan that includes a plethora of additional features in addition...
Unique Features
Yes, it is a health plan that covers you and your family against any unfortunate hospitalization expenses. This plan includes up to 6 family members (self, spouse, parents, and children) and all the individuals should be aged between 18 years to 65 years.
Yes, it is amongst the oldest insurance providers in the country. New India Insurance offers efficient and comprehensive plans to secure your and your family’s health.
The grace period is 30 days immediately following the premium due date.
No, it is not covered. However, Dental treatment is done if caused due to an Injury.
Yes, 139 daycare procedures are covered in New India Mediclaim Policy.
Ayurveda and Homeopathy Expenses incurred for Ayurveda and Homeopathy treatment are admissible up to 25% of the sum insured for any one illness.
Yes, Maternity cover is available for SI opted equal to or more than 5 Lakh INR. On payment of additional premium, Maternity Expenses up to 10% of the average Sum Insured.
Yes, the policyholder gets @25% SI for claim free year with Max 50% of SI.
Yes, the New India Mediclaim Policy provides Health Check Up for every 3 claim-free years.
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February 5, 2023
Asia/Kolkata
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