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About New India Assurance Mediclaim Policy

new india health insurance To avert health related hazard investing with the health insurance plans of the New India assurance Medicalim policy will benefit you the most. A comprehensive health beneficiary policy program will safeguard you from sudden monetary need related with health related hazards. Three-sixty degrees health care management would be served to you.

Health Insurance Policy Types

Senior Citizen

The best Health care management for the senior most members of your family would possible now with the mediclaim policy of the New India Assurance.

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Critical Illness

By investing in the Mediclaim policy of the New India Assurance you can get the best help for the listed critical illness at the time of imminent need.

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Family Floater

Your invested money for the medical-policy now can be shared among the 15 other members of your family, apart from sharing with your parents and spouse.

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Individual

Through investing in the individual health insurance policy you can also get deduction at the time of your tax paying along with your treatment cost.

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Group Mediclaim Policy

You can take care of your employee’s health by investing in the group mediclaim policy. Both it is cost effective and will provide beneficial return.

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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 Assurance mediclaim policy has been designed to provide the insured and his/her family members, protection against some unavoidable and unforeseen medical expenses.

TThis insurance policy can be availed by any individual for her/himself, children, spouse and dependent parents. Under this policy, all medically essential reimbursements like injuries or critical illnesses are covered. For general mediclaim policies, each and every individual has separate sum assured and no one can go beyond that. If you are availing family mediclaim policy, you or any member of your family can get reimbursements on the total sum assured. One can choose the policy of sum assured between 1 lakh to 8 lakhs. If the insured is more than 55 years of age, the sum assured could be up to 3 lakhs.

  • Though this policy is valid for a year, you can renew it to continue receiving medical benefits. There are several benefits provided to the insured and his/her family. Few of them are-
  • Anyone who is aged between 18 to 65 years can avail this policy. Coverage is available for 3 months old children up to their 18 years of age.
  • Insured can avail cashless facility if s/he treats himself or his/her family members in network hospitals.
  • In some cases where the insurer treats him/herself or his/her family members in non-empanelled hospitals, reimbursements can be claimed from TPA for medical expenses where the insured patient remains hospitalized for more than 24 hours.
  • Fast claim processing after you inform TPA about your policy details.
  • Insured can claim for the medical expenses up to 30 days prior to hospitalization.
  • Insured can also claim for medical expenses up to a period of 60 days post-hospitalization.
  • For every claim-free year, the sum assured will increase by 5% and this accumulation benefit can be availed each claim-free year up to 10 years.
  • You can cancel the policy within a period of 45 days, which is also considered as a look up period.
  • The policy can get automatically renewed with auto renewable facility. All you need to do is attach the policy account with your credit card or debit card account with enough balance.
  • You can also get good income tax rebates as per sec. 80D of Income tax Act.
  • New India Assurance mediclaim policy covers Room rent, nursing, food and lodging expenses up to 1% of Sum Insured
  • New India Assurance mediclaim policy covers ICU and ICCU expenses up to 2% of Sum Insured
  • New India Assurance mediclaim policy covers Fees of surgeon, Medical Practitioner, Anesthetist and consultant up to Variable amount of Sum Insured
  • New India Assurance mediclaim policy covers OT charges, surgical Appliances, diagnostic test and other related expenses up to Variable amount of Sum Insured
  • New India Assurance mediclaim policy covers Ayurvedic/ Unani/ Homeopathic treatment up to 25% of Sum Insured
  • New India Assurance mediclaim policy covers Organ Transplant cost and hospitalization expenses up to Sum assured or 80% of admissible claim amount
  • New India Assurance mediclaim policy covers Cataract operation and related expenses up to 20% of the sum assured
  • New India Assurance mediclaim policy covers 30 days of pre-hospitalization medical costs up to entire amount of Sum Insured
  • New India Assurance mediclaim policy covers 60 days of post hospitalization medical costs up to entire amount of Sum Insured
  • Cashless facilities
  • Quick reimbursements
  • Covers all the major chronic and critical illnesses
  • Cash benefit on being hospitalized
  • Payment of ambulance charges
  • 5% additional benefit for every claim-free year
  • Up to 30 days of medical expenses prior to hospitalization
  • Up to 60 days of medical expenses post-hospitalization
  • Insured is entitled for medical check-up cost reimbursements after each 3 claim-free years
  • Auto renewal from your Credit/Debit card account
  • Increase in sum assured amount can be done within 61 to 65 years age
  • Lifetime renewal of policy
  • Accident claims can be done even within 30 days of buying the policy
  • Free look up period for 45 days
  • Income tax rebate under section 80 D
  • Hospitalization for Critical illnesses
  • Hospitalization for accidents
  • Medical expenses prior to hospitalization (up to 30 days)
  • Medical expenses after hospitalization (up to 60 days)
  • Miscellaneous expenses for hospitalization (ambulance costs etc.)

Though most of the cases are looked after in this policy, there are few exceptions too. Given below is a list of what the policy doesn’t cover-

  • Pre-existing diseases and chronic illnesses
  • General weaknesses and run downs
  • HIV (AIDS) or other sexually transmitted diseases
  • Cosmetic surgeries or plastic surgeries unless required due to illness or injury
  • Circumcision until needed due to illness or injury
  • Inoculation or vaccination
  • Naturopathy
  • Pregnancy or complications related to child birth
  • Overseas treatment
  • War, nuclear weapon, ionizing radiation, act of foreign enemy and so on
  • Experimental treatment
  • External equipments like cochlear implants or contact lenses
  • Home treatment
  • Any individual within 18-65 years
  • Family including spouse, dependent parents and children betweeen 3 months and 25 years

The upper age limit does not include a mentally challenged child and an unmarried daughter who is dependent on the insured

  • Apollo Munich Optima Restore
  • United India Insurance Family Medicare policy
  • Religare Care Plan
  • Max Bupa Heartbeat Family Medicare policy
  • New India Top Up Mediclaim
  • New India Floater Mediclaim Policy
  • Janata Medicliam Policy
  • Mediclaim 2007 policy

Anyone aged between 18- 65 years can avail this mediclaim policy. S/he can also avail coverage for her/his family in a single policy.
If I decide not to further with the policy, can I withdraw it?
Yes you can, there is a free look out period for 45 days. Within those 45 days, you can withdraw the entire amount if you decide not to go forward for the policy. If you exceed that period, you need to pay some charges for the withdrawal.

There is a locking period of 30 days after which you can avail mediclaim benefits. However, in case of accidents, you are able to avail the benefits even within 30 days.

It is easy to avail cashless facility. If you have been hospitalized in any of the network hospitals, all the expenses are generally settled by Third Party Administrators on behalf of the insurance providers. However, it is important to have a prior approval from TPA before hospitalization. While hospitalizing, you need to show the hospital authorities the proof of insurance and your ID proof.

All you need to do is fill a claim form and furnish the bills of medical expenses, miscellaneous costs and other necessary documents required and send it to the TPA within 7 days post release from the hospital. You can get entire amount refunded provided it is within the sum assured and complies with the rules and regulations of the hospital.

There is no upper limit for policy renewal. All you need to do is pay the premium before the expiry date of the policy. However, you cannot take a fresh policy after 65 years of age. It is, therefore, important to pay the premium in time so that your policy doesn’t get lapsed.