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Pay Premium for Only 3 Lacs & Get Cover for 6 Lakhs !!

About New India Assurance Family Floater Mediclaim Policy

new india health insurance Your insured sum for averting any health related critical situation now can be shared among the close ones of your family, Along with the close ones like your parents or the spouse This opportunity now you can get by investing in the health insurance policy of the New India Assurance.

Health Insurance Policy Types

Senior Citizen

People aged between 65 to80 years needs the utmost care and thorough check up most. By investing in the New India Assurance you can provide the exact to them.

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Critical Illness

Prolonged illness along with listed critical illnesses can be covered up now and get the utmost medical support through the health insurance policy of New India Assurance.

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Family Floater

You can secure now the blood related members of yours along with your spouse. Including your parents and up-to other fifteen-members of yours will get the coverage.

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Individual

If any critical condition may arise due to health hazards, the financial support and medical help from the mediclaim policy will safeguard the condition.

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Group Mediclaim Policy

Employees of any organization or firm can be covered up by the group mediclaim policy. All the employees would be secured by it.

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New India Assurance - Package Motor Policy

The package motor policy shields the policyholder from Third-Party Liability and protects the vehicle of the insured from a range of natural and man-made disasters as well.

New India Assurance Two Wheeler Policy

New India Assurance Two Wheeler Policy shields the policyholder from Third-Party Liability and protects the vehicle of the insured from a range of natural and man-made disasters as well.

New India Assurance Senior Citizen Mediclaim Policy

New India Assurance Senior Citizen Mediclaim Policy is designed for elderly people between 60 and 80 years of age and provides a maximum coverage of Rs 1.5 lakh.

Top Policies
New India Assurance Asha Kiran Policy

The New India Asha Kiran Policy covers the expenses of treatment of entire family of the policyholders within India and offers personal accident coverage to parents.

New India Assurance Janta Mediclaim Policy

New India Janata Mediclaim policy covers self, spouse. Parents can also include maximum two dependent children between the ages of 3 months and 18 years.

New India Assurance Oversees Mediclaim Policy

New India Assurance Oversees Mediclaim Policy covers medical expenses of insured persons due to sickness, injuries while travelling outside India.

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New India Family Floater mediclaim policy has been designed for providing cover to all the family members in a single sum assured. The policy is an extension of New India Individual Mediclaim Policy 2007.

This policy covers hospitalization expenses for the treatment of critical illnesses and accidental injuries. This policy is different from other policies as it offers a floater option where all family members are covered under a single sum insured. For example, if the total sum assured is of 5 lakhs, anyone in the family can avail the treatment benefit on a maximum of 5 lakhs. Additional benefits too are provided at par with the sum assured. This policy covers the proposer, spouse and a maximum of two dependent children and the proposer can insure in between a minimum amount of 2 lakhs and a maximum of 5 lakhs. The premium depends on the highest age among the family members.50% loading is applicable for spouse’s coverage, while for each dependent child, the loading amount will be 25% of the sum assured.

Many a times, the individual sum assured amount remains unused but can never be used for the other member who needs more than his/her individual sum assured amount to meet the treatment expenses. The prime benefit of availing this policy is that it can be used by any of the family members to meet the treatment and hospitalization costs.

  • Hospitalization costs when the insured person has been kept hospitalized for more than 24 hours
  • Pre hospitalization expenses up to 30 days
  • After discharge medical expenses for 60 days
  • Some specific advanced surgeries and day-care treatments where 24 hours of hospitalization is not required
  • Ambulance charges for carrying patient from residence to hospital
  • 25% of sum assured is paid if the patient takes treatment from registered Ayurvedic, Homeopathic or Unani treatment providing centre
  • Pre-existing and chronic diseases are covered after four years of claim free renewals with the company
  • Pre-existing conditions like Diabetes, Hypertension and complications raised from that are covered after 2 years of continuing the policy and paying additional premium
  • This policy provides coverage for the proposer, spouse and a maximum of 2 children.
  • Parents or other relatives cannot get any coverage under this policy even if they are residing with the insurer.
  • Floater plan where a single sum can be utilized by any family member
  • Provides coverage for entire family
  • Provides coverage for critical and chronic diseases
  • Provides coverage on complications raised due to pre-existing conditions
  • Miscellaneous hospitalization and medical costs covered
  • Pre and post hospitalization expenses covered for respectively 30 and 60 days
  • Lifetime renewability
  • Specific advanced day care treatments are reimbursed
  • Cashless mediclaim in network hospitals
  • Fast reimbursement when treatment taken from non-network hospitals
  • Loyalty discount is provided
  • Good health discount provided
  • Expenses of health check up provided
  • Income tax benefit under section 80D
  • New India Family Floater Mediclaim Policy covers Room rent, nursing, food and lodging expenses not more than 1% of sum assured
  • New India Family Floater Mediclaim Policy covers ICU and ICCU expenses not more than 2% of sum insured
  • New India Family Floater Mediclaim Policy covers fees of surgeon, Medical Practitioner, Anesthetist and consultant up to a variable amount
  • New India Family Floater Mediclaim Policy covers OT charges, surgical Appliances, diagnostic test and other related expenses up to a variable amount
  • New India Family Floater Mediclaim Policy covers Ayurvedic/ Unani/ Homeopathic treatment not more than 25% of the Sum Insured
  • New India Family Floater Mediclaim Policy covers ambulance services up to 1% of the sum assured (maximum of rs. 2500)
  • New India Family Floater Mediclaim Policy covers cataract operation and related expenses up to 24% of the sum assured
  • New India Family Floater Mediclaim Policy covers 30 days of pre-hospitalization medical costs up to the entire amount
  • New India Family Floater Mediclaim Policy covers 60 days of post hospitalization medical costs up to the entire amount
  • Treatment of diseases or critical illnesses contracted within 30 days of insurance except accidental injuries
  • General debility or run down conditions
  • Dental treatment except arising of any accident
  • Circumcision, plastic surgery or cosmetic surgery unless required fror medical needs
  • HIV or sexually transmitted diseases
  • Pregnancy and complications related to child birth
  • Overseas treatment cost
  • Inoculation and vaccination
  • War or act of foreign enemy
  • Injuries caused by nuclear weapon or ionizing radiation
  • Naturopathy
  • Unproven or experimental treatment
  • Domiciliary treatment
  • Expenses for external equipment like cochlear, contact lenses, etc.

The premium of New India Family Floater Mediclaim Policy is determined on the basis of policyholders' age, number of members chosen and the location where the treatment is availed. Premium of New India Family Floater Mediclaim Police varies in three zones in India.

  • ZONE-I consists of only Mumbai and premium rate is the highest if the insured seek hospitalization in Mumbai
  • ZONE-II consists of Delhi and Bangalore and premium rate is medium if the insured seek hospitalization in Delhi and Bangalore
  • ZONE-III encompasess the rest of India and premium rate is the lowest if the insured seek hospitalization anywhere outside Mumbai, Delhi and Bangalore
  • The premium of New India Family Floater Mediclaim Policy is calculated on the basis of eldest member's age
  • 2% premium loading is applicable every year on renewal for policyholders over 65 years of age
  • The available Sum Insured options are Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 5 Lakhs, Rs. 8 Lakhs
  • The chosen Sum Insured can be increased on renewal to the next higher limit
  • All memners of the family can share the chosen Sum Insured
  • The Sum Insured of New India Family Floater Mediclaim Policy needs to be shared between minimum 2 members of the family or maximum 6 members including proposer, spouse, dependent children and dependent parents up to maximum 60 years of age.

Claims are administered by TPAs or third party administrators. You can get their details in the policy document. In case of cashless treatment, the insured or any of his/her relatives must inform the TPAs and must carry the necessary policy documents and your ID card as a proof of insurance policy holder. Reimbursement facilities are available only when they are informed about insured’s hospitalization.

The premium of New India Family Floater Mediclaim Policy is determined on the basis of policyholders' age, number of members chosen and the location where the treatment is availed. Premium of New India Family Floater Mediclaim Police varies in three zones in India.

  • Apollo Munich Optima Restore
  • United India Insurance Family Medicare policy
  • Religare Care Plan
  • Max Bupa Heartbeat Family Medicare policy

If you are a citizen of India and within 50 years age, you are eligible for this policy.

This is a mediclaim policy that has been specially designed for the family. A minimum of 2 and a maximum of 6 family members can be included in this policy.

No, you can pay a single premium and get your family covered under a single sum assured. Unlike other policies where there are individual sum assured for each family member, here each member can get medical benefits worth total sum assured.

One can start with a minimum of 2 lakhs sum assured and go up to 8 lakhs. The payable premium ranges accordingly.