New India Health Insurance

  • Specialized health policy for Cancer
  • 24*7 customer assistance
  • Hassle-free claim settlement
New India Health Insurance

Network hospitals



Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



Solvency Ratio



Pan India Presence


New India Health Insurance Company

One of the first insurance organizations, the New India Assurance Company was introduced by Sir Dorabji Tata. As we all know, he is from the house of exemplary entrepreneurs of the TATAs. It is a wholly-owned multinational general insurance company headquartered in Mumbai. In 1919, the company was founded and now it operates in 25 countries globally. No doubt, New India Insurance is a reliable name in the insurance industry and has over a century of credibility.

What does New India Health Insurance Company do?

For 50 years, New India Assurance Company has offered several health insurance products for individuals and families. Their main agenda is to make insurance understandable and accessible for all.

Some Interesting Facts About New India Health Insurance Company

  • New India Assurance Company is one of the Government-owned health insurance companies.
  • It was started by Sir Dorabji Tata in 1919.
  • Their motto is to assure the well-being of the people of India.
  • The company operates in 25 countries.
  • They have more than 1900 offices in India and their headquarters is in Mumbai.

Some of the Awards and Achievements of the Company

  • Most preferred workplace award for FY 2022-23 from BFSI.
  • General Insurance Company of the Year for FY 2022-23.
  • ETascent Stars of the Industry Award for Excellence and Leadership in BFSI.
  • Skoch Challenger Award
  • First MCA Corporate Trophy

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New India Health Insurance

New India Health Insurance

A Quick Outlook

Cashless Claim Settlement 24 hours
Minimum Entry Age 3 Months
Maximum Entry Age 65 years
Sum Insured Upto Rs. 22 Lakh
Network Hospital More than 3000
Tax Benefits Upto Rs. 1 Lakh
Solvency Ratio (2021-22) 1.3
Claim Settlement Ratio (2021-22) 92.93%
Ambulance Expenses Covered
Coverage for Accidents Yes

New India Health Insurance Plans

To cater to the dynamic healthcare needs of an individual and their family, New India Health Insurance comes with a vast variety of plans to select from.

Individual & Family Health Insurance Plans

New India Assurance Arogya Sanjeevani Policy

The plan covers you and your family against new age treatments, pre, and post-hospitalization, and hospital room rent charges.

Unique Features

  • Up to 10 Lakh SI
  • Genetic disorders Covered
  • Modern Treatments Covered

New India Jan Arogya Bima Policy

This policy is designed to provide cheap medical insurance to poorer sections of society with a sum insured per person of Rs. 5000.

Unique Features

  • Service Tax is not applicable
  • Avail cover for dependents
  • Psychological disorders covered

New India Janata Mediclaim Policy

This plan protects all family members with broad health insurance coverage. It covers self, spouse, and a maximum of 2 dependent children.

Unique Features

  • AYUSH treatment covered
  • ICU expenses covered
  • Ambulance charges covered

New India Flexi Floater Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expense covered
  • Room rent covered
  • Medical test expenses covered

New India Flexi Group Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • Avail AYUSH treatment
  • Avail Cataract treatment

The policy comes with a SI of 2-15 lakhs with a single sum assured for all the members on a floater basis.

Unique Features

  • No claim bonus up to 50%
  • Avail New born baby cover
  • Criti-care benefit available

A family policy where the proposer can avail Sum Insured from Rs. 1,2, 3, 5, 8, 10, 12 and 15 Lakhs. Children can be covered under the policy from 3 months to 25 years.

Unique Features

  • Organ transplant covered
  • 139 day care procedures available
  • New born baby cover available

The plan comes in 2 different variants offering a sum assured up to 1 Cr. The policyholder can cover his/her entire family under one policy.

Unique Features

  • Critical illness covered
  • AYUSH treatment covered
  • AYUSH treatment covered

New India Standard Group Janata Mediclaim

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • AYUSH treatment covered
  • Cataract treatment covered

New India Standard Group Mediclaim Policy(2007)

Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependant parents.

Unique Features

  • ICU charged covered
  • Artificial life maintainance covered
  • AYUSH treatment covered

New India Universal Health Insurance Scheme

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • Disability cover
  • Psychological treatment covered
  • Artificial life maintainance available

New India Young India Digi Health Policy

Plan coverage is available on an individual and family floater basis with a sum insured of up to 8L.

Unique Features

  • Modern Treatment Available
  • AYUSH treatment available
  • New born baby cover available

This plan offers the policyholder sum insured of up to 50L. New India Yuva Bharat Policy is available in base, gold, and platinum variants.

Unique Features

  • Air Ambulance available
  • Critical illness covered
  • Infertility treatment covered

Specialized Health Plans

New India Group Cancer Mediclaim

The plan is specifically designed for lower and middle-class families undergoing Cancer Treatment.

Unique Features

  • Up to 2 Lakh SI
  • Avail Cumulative Bonus
  • Cover dependent children

New India Corona Kavach Policy

This plan covers hospitalization expenses if the insured is diagnosed with COVID-19. It is available on an individual and floater basis with a maximum sum of INR 5 lakh.

Unique Features

  • Home care treatment covered
  • Avail special discounts
  • Ambulance charges covered

New India Group Mediclaim for workers

Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependent parents.

Unique Features

  • AYUSH Treatment available
  • Avail ICU expenses
  • Affordable premiums available

A special policy designed for parents with girl children only. Two dependent daughters can be covered with Rs. 8 Lakh sum insured.

Unique Features

  • Avail 50% discount
  • Hospital Cash available
  • Avail AYUSH treatment

This plan is designed to aid financially in treating cancer. The policy offers cover for conventional and advanced cancer treatments.

Unique Features

  • SI up to 50 Lakh
  • Avail cancer care benefit
  • 58 Day care procedures covered

A plan designed for individuals between 60-80 years of age and offers 5% discount for single women senior citizen's. Gives sum insured up to 5 Lakhs.

Unique Features

  • Avail discounts
  • Medical check up reimbursement
  • Avail Ambulance charges

New India TOP-UP Mediclaim policy covers hospitalization expenses once your policy crosses it’s threshold limit. It can cover up to 6 family members.

Unique Features

  • SI up to 22L available
  • Avail Cataract treatment
  • AYUSH expenses covered

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • AYUSH treatment available
  • Mental illness expenses covered

New India Tertiary Care Insurance

An individual plan that is specifically designed to cover the treatment of 9 major illnesses.

Unique Features

  • Domiciliary treatment available
  • Ambulance expense covered
  • Avail No claim bonus

Why Choose New India Health Plans?

New India Assurance is one of the leading health insurance providers in India. There are many reasons to choose a health insurance policy from New India Assurance. Have a look below:

  • Trusted brand since the century

    The company was introduced in 1919 by Sir Dorabji Tata for the welfare of Indian citizens. It is one of the largest nationalized general insurance companies in India.
  • Network Hospital

    Having health insurance from New India Assurance allows you to avail of cashless medical services from 3000+ hospitals in India.
  • Solvency Ratio

    The solvency ratio of New India Health Insurance is 1.34 as per the IRDAI annual report 2021-22. The solvency ratio helps to assess the ability of a company to meet its financial obligations.
  • Claim Support:

    Claim support of an insurer helps you analyze its claims settling ability. As per the IRDAI annual report of 2021-22, the claim support of New India Health Insurance is 92.93%.
  • Annual Premium:

    As per the annual report of IRDAI 2021-22, The Annual premium of New India Health Insurance is 35,515.93 Cr.
  • PAN India Presence:

    With a presence PAN India and 2000+ offices, New India Health Insurance company ensures that the policyholder can directly visit their nearest branch office for any of their policy-related or claim-related queries.

Know What is Covered- Inclusions

Illness and Injury Cover

If there is any requirement for hospitalization due to any illness or injury during the policy year, it will be covered by the policy.

Daycare Procedure

The health insurance policy by New India Health Insurance will cover daycare medical procedures/treatment along with doctor-recommended procedures or surgeries.

Hospitalization Cover

The expenses incurred due to hospitalization for 24 hours or more.

Pre and Post-Hospitalisation

There are some requirements before admission to the hospital, such as diagnostic tests and medicines will be covered by the insurance companies. Also, post-hospitalization, if there is any requirement for an ambulance or any others, the expenses are covered by the company.

What is Not Covered?- Exclusions

Treatment of diseases diagnosed during the first 30 days of the purchase of the policy

Expenses for obesity treatment, and weight control for certain cases

Plastic or cosmetic surgery unless due to illness/injury

Gender change procedure cost

Injury due to hazardous or adventure sports

Cost of breaching of law

Treatment cost against alcohol, drug, or substance addiction/abuse.

Cost for refractive error (vision).

Any unproven or experimental treatment cost

Medical costs due to war and war-like situations

Treatments taken outside India

Waiting Period in New India Health Insurance

The waiting period is the duration in which you have to wait before making the claim. This waiting period applies from the date you buy the policy and lasts up to 15 days to 4 years depending upon policy to policy.

New India Health Insurance generally adds the following waiting periods:

  • Initial Waiting Period

    This waiting period is experienced in the first 30 days from the policy commencements. You cannot file for a claim except for emergency hospitalization due to an accident.
  • Pre-existing disease waiting period

    As per IRDAI, pre-existing diseases are diseases that are diagnosed 48 months before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur.
  • Specific Diseases Waiting Period

    This type of waiting period occurs for a few diseases like cataracts, ENT Disorders, joint replacement surgery, mental illness, etc. The waiting period for these diseases can be up to 24 months depending on the type of plan you choose.
  • Maternity Benefit Waiting Period

    Maternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
  • Mental Illness Waiting Period

    Today, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.

Factors to Consider While Buying A Health Insurance Plan

Choosing a health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what are the things they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let's check out some of the vital factors that you should consider before buying a health insurance policy:

  • Individual or Family Floater Plan

    When choosing a plan your first step is to check whether your requirement is for yourself or your family. Most of the time family floater plans benefit those who want to secure their family as it is cheaper than the individual one.
  • Cover Amount

    We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help a lot to meet the expenses. In this, it is also necessary to choose a policy that offers maximum coverage amount for your health claims.
  • Co-Payment Clause

    Every policy has some clauses that you need to follow and a co-payment clause is one of those clauses. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in.
  • Hospital Network

    Always check the list of hospitals included in your policy. Remember the kinds of medical facilities you might need in the future.
  • Waiting Period

    Look for the period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illness as well, you need to check for that too.
  • Lifetime Renewal

    You may need healthcare when you grow old. So, look for a policy that provides lifetime renewal options.
  • Compare the Premiums

    You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims and vice versa.

Why Choose Online Procedure to Buy Mediclaim Policy?

Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more:

  • Easy to Compare

    Online platforms give access to compare different New India Health plans at the same place. You can pick the right one for you while comparing the premiums.
  • Buying Insurance within 5 minutes

    At an online platform, you can choose and buy your policy within 5 minutes, without any extra hustle.
  • 24*7 Customer Service

    The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts.
  • Instant Quote

    With online accessibility, you can get quotations with just one click. You can collect several quotes and choose the right one for you.

Benefits of Purchasing at an Early Age

Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.

Benefits of Purchasing at an Early Age

Your premiums will be less at an early age.

Benefits of Purchasing at an Early Age

At an early age, a continuous cover with renewals will help you to go out with the waiting period.

Benefits of Purchasing at an Early Age

No medical test is required if you purchase health insurance at an early age.

Benefits of Purchasing at an Early Age

You can avail a no-claim bonus for every claim-free year.

Benefits of Purchasing at an Early Age

You do not need to share your medical bills as the co-payment is not applicable in this case.

Choose New India Assurance Health Insurance Plan for

How to Buy a New India Health Insurance Policy?

Buy from the Company

  • Visit the official website of the company. Click on the 'Quick Quote' option on the right-hand side of the home page.
  • You will then be redirected to the Health Insurance page where all the plans will be reflected.
  • Enter all the required details and your health insurance premium amount will be displayed on the screen.
  • Once you pay the premium online, you will get all the policy documents at your registered email address.

Buy from PolicyX

  • Fill in the details in the 'Calculate Premium' form.
  • The next page will show all the available plans.
  • Choose the New India Health Plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email id.

How to Renew Health Insurance Policy?

To avail of the benefits consistently, you need to renew your health insurance policy on time. In the below content, you will get some simple steps on how to renew your health insurance policy.

  • Step 1

    When you visit the official website of New India Health Insurance, click on the "Renew existing Policy" box.

  • Step 2

    It will redirect you to the main page, where you need to fill in the policy number and captcha.

  • Step 3

    Review the policy and fill in the details.

  • Step 4

    Now choose the mode of payment and complete the payment.

  • Step 5

    Once the payment is made, your policy will be renewed instantly.

How to Claim?

To file a claim you need to follow the below steps. New India Health Insurance Company offers the easiest way to file a claim.

Cashless Claims process

If you are admitted to one of New India partnered network hospitals, you have to follow the below steps-

  • Intimate the company about your hospitalization as soon as possible.
  • Submit the authorization form along with the photo identity and health card copies at the TPA hospital desk.
  • The hospital will contact New India for treatment approval.
  • Once everything is settled, the company will clear the treatment bills.

Reimbursement Claim Procedure

  • Here you have the option to get yourself treated at any hospital (apart from the network) and file for reimbursement with the following steps-
  • Inform the insurance provider about the hospitalization at the earliest.
  • Pay for the treatment and collect all the necessary documents (original copy) before you leave the hospital.
  • All original documents have to be submitted within 15 days of post-hospitalization treatment to get the reimbursement.
  • The company will verify the claim request and transfer the payment on approval.

Claim Process

Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.

Documents required while filing the claim

  • Duly completed and signed claim form, in original
  • Valid photo-ID proof
  • Medical practitioner's referral letter and prescription
  • Original bills, receipts, and discharge cards from the hospital/medical practitioner
  • Original bills from pharmacy/chemists
  • Original pathological/diagnostic tests reports/radiology reports and payment receipts
  • Indoor case papers
  • First Information report, final police report, if applicable
  • Post-mortem report, if conducted
  • Any other document as required by the company to assess the claim

How to Calculate the Premiums?

You can calculate your health insurance premiums online at PolicyX very easily. Our New India health insurance premium calculator is a tool that is designed to enable potential buyers to estimate the premiums that they need to pay, monthly, quarterly or annually.

New India Health Insurance Top-Up Plans

If you think, your current health insurance coverage is not sufficient to meet your healthcare needs, then you can opt for a New India Health Insurance Top-Up mediclaim policy to provide a supplement to your coverage.

Choose Policyx for all your New India Health Insurance queries. We are:

  • IRDAI Approved:

    The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. follows all the guidelines and protocols approved by the IRDAI.
  • Free Comparison Service:

    With, you can easily compare the best Health Plans in India without paying the extra amount.
  • Compare 15 Companies in 30 Seconds:

    With us, you can compare up to 15 companies in just a few seconds.
  • Buy Insurance withing 5 mins:

    With, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
  • 24*7 Customer Service:

    The experts of are always available to resolve any of your insurance-related queries.
  • Free Future Claim Assistance:

    Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
Why Should You Buy the Star Health Insurance Plan from

Contact Details

New India Health Insurance Company is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about New India Health Insurance Customer Care.

New India Assurance Building, 87, M G Road, Fort, Mumbai


New India Health Insurance: Frequently Asked Questions

1. Can I cover my family members in the Asha Kiran policy?

Yes. You can cover your entire family under a single sum insured. The members covered in this policy are the self, spouse, and dependent daughters (maximum two).

2. How can I pay the premium of my New India Health plan?

There are two ways to pay the premium:

  • Offline i.e., through cash, demand draft and cheque
  • Online i.e., through credit card, debit card, net banking

3. Is the New India Global Mediclaim policy available to NRIs?

This policy is available only for Indians living in India and not to NRIs, OCIs, or PIOs.

4. Are there any discounts available under the New India Senior Citizen Mediclaim Policy?

Yes, the company offers a 10% discount for voluntary excess of Rs.10,000 and a 10% family discount if the spouse is covered.

5. Does my lifestyle habits have an impact on the health insurance premium of New India?

Of course, they do. Along with lifestyle habits, your age, profession, coverage amount, etc. have an impact on health insurance premiums.

6. What is the procedure for checking the status of my New India Health insurance policy?

One can check the status of their policy by going to the website and logging in by using their customer ID and password.

7. Do I need to go through the pre-acceptance medical check-up to purchase New India Medical Insurance?

New India Medical Insurance requires candidates to pass a pre-acceptance medical examination if they are above 50 years. However, the terms & conditions may vary. Therefore, go read the policy brochure thoroughly.

8. Does my existing New India Health policy cover Covid-19?

As per the guidelines issued by IRDAI, it is mandatory for every Health Insurance company to offer coverage against Covid-19.

9. Do New India Health insurance policies provide tax benefits?

Yes. New India Assurance offers TAX Benefits to the policyholders against the premiums paid under Section 80D of the Income Tax Act, 1961.

10. What is the procedure for canceling a New India Assurance health insurance policy?

In case you are not happy with the policy and wish to cancel the insurance within the free-look period that is of 15 days from the date of policy inception, you may do so by returning the policy documents and submitting a completed surrender form to the nearest branch office. If no claim has been filed, the insurance can be canceled at any moment throughout the policy period. The insurer will process any claim requests submitted before the insurance is canceled.

11. What kind of health insurance policies can I buy online on New India Assurance?

The New India Assurance Health Insurance Company offers various health insurance online as mentioned below:

  • Arogya Sanjeevani Policy
  • Corona Kavach Policy
  • New India Asha Kiran Policy
  • New India Cancer Guard Policy
  • New India Floater Mediclaim Policy
  • New India Mediclaim Policy
  • New India Premier Mediclaim Policy
  • New India TOP-UP Mediclaim Policy
  • Young India Digi Health Policy
  • Yuva Bharat Health Policy

12. How to renew New India Health Insurance Policy?

Follow the below steps to renew your New India Health Insurance Plans:

  • Visit the official website of New India Health Insurance. On the menu bar click on the 'Quick help' option.
  • For Quick Renewal - Enter Customer ID and Renewed Quote No. (received through SMS) or Old Policy No.
  • View your details and save your Quote to proceed.
  • Pay premium using Credit Card/Debit Card/Net Banking.

13. Why should I buy New India Health Insurance Policy?

Health Insurance Policies have become an integral part of every citizen's financial planning as it protects individuals and their families from getting crushed under the ever-increasing medical bills. New India Assurance has been one of the first insurance providers in the country to provide health insurance solutions to millions of policyholders. Below are the reason to buy New India Health Insurance policies:

  • Large network of cashless hospitals
  • Impressive Claim settlement
  • Wide array of health insurance products
  • A high solvency ratio

14. Is OPD covered in New India Health Insurance?

Yes. Unless the Insured Person is Hospitalised for a condition warranting Hospitalisation, no claim is payable under Policy

15. Is Maternity expense covered in New India Health Insurance?

Maternity shall be covered provided the Insured mother has Continuous Coverage of thirty-six months in the New India Premier Mediclaim Policy.

Other Health Insurance Companies

New India Health Insurance Reviews

Read what our customers have to say about New India Health Insurance Company

Customer Review Image



December 9, 2022

Omg when i was buying the policies I was o skeptical. I contacted policyx and they solved my confusions and even helped in my documentations.. They are the best .

Customer Review Image

Ram Kapoor


September 8, 2021

I would definitely recommend New India Health insurance to everyone. Great customer support team, very helpful.

Customer Review Image

Lovlina chaurasiya


September 8, 2021

One of the best health insurance company. Impressed with the service and the support. Keep up the good work guys.

Customer Review Image

Nikita Dua


September 8, 2021

The company is offering very good plans at affordable prices, and the claim settlement process is very hassle free and quick.

Customer Review Image

Bharti sharma


September 8, 2021

I really like the customer support department of the company very much, the staff is very polite and very helpful

Customer Review Image

Manish Singhal


September 1, 2021

Best plans with good service, committed towards their customer, great customer support team. thanks New India

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Akash Sharma


September 1, 2021

Plans bahut ache hai is company ke.. bahut achi service hai aur apke customers ke claims bhi jaldi settle karti hai.

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Karishma Sehgal


August 31, 2021

Bought health policy from New India Health for the first time and I am very impressed by their services and I personally suggest to take the policy from New Health Assurance

View All New India Health Insurance Reviews