New India Health Insurance

New India Health Insurance
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About New India Health Insurance

New India Health Insurance is offered by New India Assurance Co. Ltd., the multinational general Insurance Company headquartered in Mumbai and operating in 28 countries. In India, the company has 2,395 offices with 16,795 employees and 69,389 agents. With its incorporation on 23rd July 1919, it is one of the oldest insurance companies in India.

Apart from health insurance, it also provides Motor, Travel, Rural, Marine, and Miscellaneous Insurance cover. Its health insurance policies cover overall medical expenses and provide coverage to families, the girl child, senior citizens, and the poor section of the society.

Highlights of New India Health Insurance

Network Hospitals5,884
Types of Health PoliciesDomestic & Overseas Mediclaim Policy
Basic Age Limit5 years – 80 years
Tax BenefitPremiums up to Rs. 10,000
Branches2,395

Table Data updated on 26-06-2020

New India Health Insurance Highlights

New India Assurance Health Insurance Plans

  1. New India Cancer Guard Policy
  2. New India Global Mediclaim Policy
  3. New India Asha Kiran Policy
  4. Jan Arogya Policy
  5. Universal Health Insurance
  6. Family Floater Mediclaim
  7. New India Mediclaim Policy
  8. Cancer Medical Expn-Individual
  9. Senior Citizen Mediclaim

1. New India Cancer Guard Policy

New India Cancer Guard Policy is a product that covers all the expenses related to inpatient, outpatient, or daycare cancer treatment. This policy covers an individual, as well as the spouse, parents, and the children of the policyholder.

Eligibility Criteria

Age Limit3 months – 65 years
Sum Insured5 Lacs – 50 Lacs
Ambulance CoverRs. 3,000 per hospitalization
Waiting Period90 days

Table Data updated on 26-06-2020

Features

  • The limit of sum insured is designed according to the age of the policyholder. The following are the sum limits:
  1. Less than 50 years: 5 Lacs to 50 Lacs
  2. 51 – 55 years: 5 Lacs to 15 Lacs
  3. 56 – 60 years: 5 Lacs to 10 Lacs
  4. 61 – 65 years: 5 Lacs
  • The policy covers all conventional and advanced cancer treatments like Chemotherapy, Radiotherapy, Organ Transplant, Onco-Surgery, Proton Treatment, Hormonal Therapy, Immunotherapy, Bone Marrow, and Stem Cell Transplantation.
  • The policy covers the room rent during hospitalization. For those insured between Rs. 5 Lacs to 15 Lacs, the rent for a Single AC Room is covered, while for those between 25 to 50 Lacs, the rent for a Deluxe room is covered.
  • The policy also covers all the additional expenses during the treatment, like ICU expenses, Diagnostic tests, X-rays, Anesthesia, Medicines, and Drugs, etc.
  • Pre-hospitalization expenses up to 30 days and post-hospitalization expenses up to 60 days are covered under the policy.
  • If you want to take a second opinion on your diagnosis, then the policy covers its expenses up to Rs. 10,000 based on your sum assured.
  • An additional benefit is the Cancer Care Benefit, under which, if you are diagnosed with Stage 4 Cancer for the first time, then 50% of the Sum Assured will be provided along with the claim amount.

2. New India Global Mediclaim Policy

The New India Global Mediclaim Policy covers the global hospitalization expenses of an individual who already has a Health Insurance Policy with Sum Insured of Rs. 8 lakhs and above with New India Assurance. This policy is available only for Indians living in India and not to NRI’s, OCI’s, or PIO’s.

Eligibility Criteria

Age Limit18 years – 65 years
Sum InsuredPlan A: USD 0.5 million (USD 1 million Lifetime) [Asia Treatment Plan]
Plan B: USD 1 million (USD 2 million Lifetime) [Worldwide Treatment Plan]
Ambulance CoverRs. 3,000 per hospitalization
Waiting Period90 days
Sum insured3 lakh to 1 crore

Table Data updated on 26-06-2020

Features

  • While the entry age limit is 18-65 years, those above 65 years can continue their policy if they are already insured under the policy without any interruption.
  • Under this policy, Cancer surgery, Neurosurgery, Coronary Artery Bypass Graft (CABG) Surgery, Heart Valve Surgery, Organ and Bone Marrow transplants are covered.
  • Apart from these treatments, the following treatments and expenses are also covered:
  1. Medical second opinion
  2. World Leading Medical Centre (WLMC) Expenses
  3. Travel Cost up to USD 3,000 per person per annum, along with additional companion
  4. Airport pick-up
  5. Translation Assistance
  6. Accommodation expenses up to USD 330 per day
  7. Repatriation of mortal remains – limit of up to USD 15,000 per insured
  8. In the case of transplants, expenses incurred for the donor’s travel and accommodation

3. New India Asha Kiran Policy

New India Asha Kiran policy is designed for parents who have a single girl child. This policy helps in covering all the hospitalization expenses of the family.

Eligibility Criteria

Entry age3 months – 65 years
Sum Assured2 Lacs – 8 Lacs
Hospital Cash Benefit0.1% of Sum Insured
Waiting Period90 days

Table Data updated on 26-06-2020

Features

  • This policy covers the room rent expenses up to 1% of the sum assured per day, and ICU charges up to 2% of sum assured per day.
  • All the ancillary treatments such as Nursing Care, RMO Charges, IV Fluids/Blood Transfusion/Injection administration charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, and Specialists Fees are covered.
  • Cataract expenses up to 10% of sum assured or Rs. 50,000, whichever is less.
  • The policy also provides personal accident cover, which includes accidental death and disability cover.
  • The policy also covers critical illnesses such as cancer, heart attack, Coma, etc, during which 10% of the sum assured will be paid as an additional benefit.

4. Jan Arogya Policy

The Jan Arogya Policy is designed for the poorer section of the country that is unable to afford other health insurance policies.

Eligibility Criteria

Entry ageAdults: 5 years – 70 years
Child: 3 months – 5 years (including one or both parents)
Sum AssuredRs. 5,000
Waiting Period30 days

Table Data updated on 26-06-2020

Features

  • The policy covers all the hospitalization expenses, including room, boarding, nursing, Surgeon, Anesthetist, Medical Practitioner, Consultants, and Specialist Fees up to the basic sum assured of Rs. 5,000.
  • The policy covers individuals and family and it doesn’t include cumulative bonus and medical check-up benefits.

5. Universal Health Insurance

The Universal Health Insurance policy is a group health insurance policy that covers groups of 100 families each. The policy is used in the name of the Institution/Association with a list of all the names and the details of the family members in the policy.

Eligibility Criteria

Entry age3 months – 65 years
Sum Assured/Hospital BenefitRs. 30,000 per family
Premium paymentIndividual: Rs. 365 p.a.
Family (minimum 5 members): Rs. 548 p.a.
Family (minimum 7 members): Rs. 730 p.a.

Table Data updated on 26-06-2020

Features

  • The policy covers all the hospitalization expenses that have occurred due to accidents and illnesses such as Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees, and Nursing Expenses.
  • Room charges are covered up to 0.5% of the sum assured, and ICU charges are covered up to 1% of the sum assured.
  • Under this policy, if the head of the family sustains any injury and passes away within six months, then the insured or the beneficiary will be paid Rs. 25,000. If the family head becomes disabled, then compensation of Rs. 50 per day for the next 15 days will be paid.

6. Family Floater Mediclaim

The Family Floater Mediclaim policy is designed to cover entire families under a single sum assured.

Eligibility Criteria

Entry age18 years – 60 years
Number of membersMinimum 2 and Maximum 6
Loading50% for a spouse, 25% for each child
Hospital Cash0.1% of the sum assured
Waiting Period30 days

Table Data updated on 26-06-2020

Features

  • This is a floater policy under which all members of the insured family can claim the sum assured.
  • The policy also offers a New Born Baby Cover, under which the newborn baby is covered without any additional premium, on the condition that the mother has been covered since the past 24 months.
  • The basic premium for the policy is calculated according to the age of the eldest member of the family and their geographic location. The country is divided into the following 3 zones:
  1. Zone I – Mumbai
  2. Zone II – Delhi & Bangalore
  3. Zone III – Rest of India
  • The policy covers all expenses incurred during the hospitalization, 30 days before admission and 60 days after discharge. While the policy covers hospitalization for a minimum of 24 hours, it also allows for daycare treatment of advanced diseases that may not need 24 hours.
  • Room rent up to 1% of the sum assured is provided and ICU charges up to 2% of the sum assured is provided.
  • The policy also provides Critical care benefits under which 10% of the sum assured will be paid if the insured is diagnosed with any of the critical illnesses mentioned in the policy document.
  • Alternative forms of treatment like Ayurvedic, Yunani, and Homeopathic treatments are covered if they are done from government registered hospitals.

7. New India Mediclaim Policy

The New India Mediclaim policy covers medical expenses to individuals and families and provides assistance with their hospitalisation expenses.

Eligibility Criteria

Entry ageAdults: 18 years – 65 years
Child: 3 months – 18 years (one family member needs to be insured)
Sum Assured1 Lac – 15 Lacs
Hospital Cash0.1% - 1% of the sum assured
Ambulance Cover1% of the sum assured
Waiting Period30 days

Table Data updated on 26-06-2020

Features

  • As a mediclaim policy, it covers the hospitalization expenses of an individual and a family, depending upon the option chosen.
  • The policy offers free health check-up for the 3 claim-free years along with a 25% cumulative bonus after every claim-free year.
  • Pre-acceptance medical tests are required for all members above 50 years. However, the test will be waived off if a minimum of 3 persons are covered in the policy and at least one member’s age is less than 35 years.
  • The policy also offers a New Born Baby Cover, under which the newborn baby is covered without any additional premium, on the condition that the mother has been covered since the past 24 months.
  • The policy also provides the following covers:
  1. Optional Cover I: Under this option, if the sum assured is more than 2 lacs, the insured has the option to cancel his proportional deduction on payment of additional premium.
  2. Optional Cover II: This option provides up to 10% of maternity cash benefits if the sum assured is more than 5 lacs.
  3. Optional Cover III: If the sum assured is more than 8 lacs, the insured gets an option to extend his cataract benefit from Rs. 80,000 to Rs. 1,50,000, depending upon the sum assured.
  4. Optional Cover IV: Under this option, if the insured co-pays a 20% amount, a discount of 15% is given on the premium payment.

8. Cancer Medical Expn-Individual

The Cancer Medical Expn-Individual policy is designed for the members of the Indian Cancer Society.

Eligibility Criteria

Entry age18 years – 70 years
Sum AssuredMaximum 2 Lacs (multiples of Rs. 50,000)
Pre-requisiteMembership of the Indian Cancer Society
Policy term12 months
PremiumAdded with the annual membership fee of the Indian Cancer Society

Table Data updated on 26-06-2020

Features

  • If the policyholder or his family is diagnosed with cancer, then the policy provides a cover for all the hospitalization expenses such as cost of diagnosis, biopsy, surgery, chemotherapy, radiotherapy, hospitalization and rehabilitation.
  • A cumulative bonus of 5% is added at the end of every claim-free year.
  • As a member of the Indian Cancer Society, the insured member gets a free check-up for cancer and a 50% discount on the next check-up.
  • The policy also covers two dependent children of the insured and provides separate coverage for each of them.
  • The reimbursement claim is made after bills certified by the Indian Cancer Society are submitted to India New Assurance.

9. Senior Citizen Mediclaim

The Senior Citizen Mediclaim policy is designed to provide medical coverage at an affordable premium for senior citizens between the age group of 60-80 years.

Eligibility Criteria

Entry age60 years to 80 years
Sum insuredRs. 1 Lac and/or Rs. 1.5 Lacs

Table Data updated on 26-06-2020

Features

  • The policy has a maximum age limit of 80 years, however, the policy can be extended to 90 years if the policy is renewed without a break.
  • The policy covers all the hospitalization expenses, including those incurred 30 days before admission and 60 days after discharge.
  • It also covers ambulance charges, and the alternative treatment done in government and registered hospitals for Ayurvedic and Unani treatment.
  • If the insured adds his/her spouse to the policy, he gets a 10% family discount.
  • The premium for the policy is as per the below table:
Sum Insured (Rs.)1 Lac1.5 Lacs
60-65 years3,8505,720
66-70 years4,2506,310
71-75 years4,7006,980
76-80 years5,1507,650

Table Data updated on 26-06-2020

How is New India Health Insurance Premium Calculated?

New India calculates the premium on the following basis:

  • Type of plan chosen
  • The sum assured opted
  • Number of family members to be included in the plan
  • Age of the Insured members ( in some cases gender and the age of the eldest member in the plan)
  • The geographical location of the members

Apart from the above steps, for unique plans, the premiums will be calculated based on the policy and the benefit chosen.

How To Buy New India Health Insurance Plans?

There are two ways of buying New India Health Insurance Plans – Online and Offline.

Online:

  • Click on the “Customer Login” link on the website of New India Assurance Company at the top right corner and register yourself.
  • The next page will give you the details of all the health plans. Choose the plan from the product categories and click on ‘Buy Online’.
  • On the payment page, make the payment and the policy plan will be emailed to you.

Offline:

Visit the nearest New India Health Insurance office and speak with a representative there, explain your needs to him and select the plan which he suggests. Submit the documents requested by the company and make the payment. The soft copy of the policy document will be sent within 48 hours and the hard copy within 15 days.

How To Renew a New India Health Insurance Policy?

  • If you have purchased a policy online, then you need to login to the customer portal (on the website of New India Assurance Company) and click the Renew button next to the policy. If you have not purchased it online, then you need to register on the customer portal, and then click on “Link my Policies” and enter the Policy Number and the Customer ID.
  • Once the button is clicked, a quote will be generated and you need to pay the premium amount mentioned.
  • As soon as the premium is received, the policy number is generated and the policy document will be emailed.
  • The policy can also be renewed by clicking the “Quick Renew” option in the “Quick Help” dropdown.

How is a New India Health Insurance Claim Processed?

Intimating The Company

  • In case of planned hospitalization, you need to intimate the company 48 hours before hospitalization or immediately during the injury/illness.
  • In case of emergency hospitalization, the company needs to be intimated within 24 hours.

Submission of Documents: After discharge from the hospital, the following documents need to be submitted within 7 days:

  • Bill, Receipt and Discharge certificate/card from the Hospital.
  • Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.
  • Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.
  • Surgeon's certificate stating the nature of operation performed and Surgeons' bill and receipt.
  • Attending Doctor's/ Consultant/ Specialist's / Anesthetist's bill and receipt, and certificate regarding diagnosis.

Pre-hospitalisation and Post-hospitalisation expenses documents need to be submitted within 7 days.

What Are The Major Exclusions in New India Health Insurance Policies?

  • Any pre-existing conditions are excluded for the first 24 months of your policy.
  • Diseases diagnosed and any treatment done during the waiting period of the policy will not be covered.
  • Sexually Transmitted Diseases
  • Diseases from hazardous activities
  • Dental/Oral treatment
  • Circumcision
  • Other diseases as specified in the policy document

Why Should You Choose New India Health Insurance?

New India Health Insurance is a premium insurance company that offers various general insurance products with unique benefits. The company caters to the economically backward section of the society, the girl child, and senior citizens. It has a hassle-free policy buying and renewal mechanism and its network hospitals ensure that all claims are settled with minimum issues. Its cumulative benefits and family discounts make it affordable for all sections of Indian society.

New India Health Insurance: FAQs

1. If I have a health insurance policy from another insurance company, can I port it to New India Assurance?

As of now, insurance policy portability is not available. However, if you want to port your existing New India motor policy, you can do it online or visit our nearest office.

2. Can I register my claim online?

Yes. You need to login to the Customer portal, link your policy if not already linked, and go to “My Claims” and click on “Intimate Claim”.

3. In my New India Global Mediclaim Policy, what will happen if my treatment cost exceeds my sum assured?

In such cases, the additional amount will be borne by you. However, since MediGuide keeps track of your treatment, it will keep you updated on the treatment costs so that you are well-informed to take any decision.

4. For the Senior Citizen Mediclaim policy, are pre-existing diseases covered?

Pre-existing diseases are covered 18 months after your policy has come into effect. Pre-existing ailments like hypertension and diabetes are covered after paying an additional premium.

Page updated on 26-06-2020