New India Health Insurance

New India Mediclaim Policy (Traditional support)

insurance to cover the hospitalization expenses that takes form during the treatment of a specific diseases/ ailments/ injury in a hospital. It not only helps during the hospitalization but also cover expenses coming after and before in-patient hospitalization.

What are medical cost and benefits are covered?

• In-patient hospitalization cover for availing treatment at a hospital which continues for more than 24 hours. Cost involved are as follows

1. RMO Charges,Room Rent / Boarding/ Nursing Care, Fluids/Blood Transfusion/ Injection administration charges are covered upto 1% of sum insured each day.
2. ICU cost provided up to 2% of Sum Insured each day.
3. Surgeon, Medical Practitioner,Specialists Fees ,Consultants,Anaesthetist

• Oxygen, Blood, Operation Theatre Charges, Anesthetist, surgical appliances, Diagnostic Materials and X-ray, Medicines & Drugs, Dialysis, Chemotherapy, Artificial Limbs, Radiotherapy, prosthetic devices, laboratory diagnostic tests.
• Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses are included but should not exceed 2% of the Sum Insured each day.
• Pre Hospitalisation expenses before the treatment of illness by a hospital doctor and reception of insured are covered up to 30 days.
• Post Hospitalisation cost happening after getting relief from the hospital as confirmed by the attending doctor are covered up to 60 days.
• Free Health Check-up where the insured will get reimbursement of cost incurred. The condition for this benefit is that the policy is renewed for three consecutive years and no claim has been raised. The maximum amount that can be used is Rs. 5000 or 1% of average sum insured, whichever is less.
• Ambulance service cost for timely transfer of insured patient to the nearby hospital and a sum equal to 1% of the sum insured is reserved.
• Ayurvedic / Homeopathic / Unani Treatment can also be availed under this cover and up to 25% of the sum insured.
• Daily hospital cash for utilizing the facility a bed and room while admitted into a hospital where an amount parallel to 0.1% of sum insured each day is provided. The total maximum limit should not cross 1% of sum insured for any one Illness.
• Cataract claims are due respected with the payment of the sum insured equal to 20% or 50,000, as the case may be.

Add-on Covers (Riders)

• Optional Cover I: For insured person whose sum insured is more than or equal to Rs. 2 lakhs and the cover will cancel all your deductions for claims made under the basic cover. Payment of extra premium must be submitted along with base premium to attach the cover.
• Optional Cover II: The cover is developed for females covered under the policy can buy this optional cover for future maternity expenses occurring due to the birth of the newborn baby.
• The selected sum insured must be more than or equal to Rs. 5 lakhs and additional premium is paid along with base premium. New India health insurance company guarantees to pay 10% of the sum insured on the authorization of the claim and the policy is renewed for a continuous period of thirty-six months.
• Optional Cover III: The cover will reduce the limit of Cataract and is available to the insured whose sum insured is more than or equal to Rs. 8 lakhs.

Eligibility Criteria

Family Floater Policy (Family cover)

The family will get the advantage of getting finest medical treatments for any specified diseases/ injury against the payment of regular premium on every renewal date. On perpetual renewals, a policyholder to enjoy the utmost benefits of the health insurance policy.

What medical costs and benefits are covered?

• The in-patient hospitalization for the treatment of illness/injury provided is more than 24 hours.
• Pre-hospitalization expenses for 30 days and post hospitalization expenses for 60 days are also payable.
• Day-care treatment expense towards specific technologically advanced day-care treatments/ surgeries where 24-hour hospitalization is not required.
• Ambulance Charges for shifting the insured from residence to hospital are covered up to the limits specified in the policy.
• Ayurvedic/Homeopathic and Unani system of medicine are covered to the extent of 25% of the Sum Insured provided the treatment is taken in the Registered Hospital.
• Pre-existing diseases are covered only after four years of unceasing renewals with no issuing of claim.
• Pre-existing conditions like Hypertension, Diabetes, and their complications are covered after two years of continuous insurance on payment of additional premium to lessen the time limit established.

Eligibility Criteria

New India Floater Mediclaim Policy

A floater health insurance policy that covers the whole family under one sum insured while covering all the medical cost specific to an illness and other additional bonuses. The unique feature of this policy is the involvement of 11 critical diseases that are commonly traced in every one of the four persons.

What medical costs and benefits are covered?

• In-patient hospitalization cover for availing treatment at a hospital which continues for more than 24 hours. Cost involved are as follows-

1. RMO Charges,Fluids/Blood Transfusion/ Injection administration charges, Room Rent / Boarding/ Nursing Care, are covered upto 1% of sum insured each day.
2. ICU cost provided up to 2% of Sum Insured each day.
3. Surgeon, Medical Practitioner,Anaesthetist, Specialists Fees,Consultants,
4. Anesthetist, Oxygen, Blood,surgical appliances, Medicines & Drugs, Operation Theatre Charges, Dialysis,Diagnostic Materials and X-ray, Radiotherapy,Chemotherapy, Artificial Limbs, prosthetic devices, laboratory diagnostic tests.

• Pre-hospitalisation expenses up to 30 days before the date of actual admission to hospital for availing operation of an illness. The illness should be same as under in-patient hospitalization.
• Post-hospitalisation expenses covered for a maximum of 60 days following the date of discharge as recommended by the attending medical expert.
• Organ donor expenses for the process of organ transplantation of the insured person. The expenses occurring from the extraction of organ from the body of donor and in-patient treatment of donor is covered.
• If insured get detected with cataract, the New India assurance is responsible to pay 10% of the sum insured or Rs. 50,000 whichever less, for the treatment of each affected eye. The claim is payable only when the policy is renewed on the due date without any respite.
• Hospital Cash availability offered as 0.1% of Sum Insured per day of hospitalisation. The hospitalization must be for more than 24 hours.
• Ambulance service for transferring the patient from home to hospital or from one hospital to another hospital for quality treatment from a medical professional. The company will pay sum insured equal to 1% of the Sum Insured.
• Ayurvedic, Homeopathic and Unani based treatment are covered and a maximum of 25% of the sum Insured is granted for the treatment. The treating institution/ organization should be licensed/ accredited by Quality Council Of India under Indian government

1. Multiple sclerosis with persisting symptoms
2. First Heart attack of specified severity
3. Open chest CABG
4. Open Heart replacement or repair of Heart valve
5. Major organ / bone marrow transplant
6. Kidney failure requiring regular dialysis
7. Stroke resulting in permanent symptoms
8. Permanent paralysis of limbs
9. Motor neurone disease with permanent symptoms
10. Coma of specified severity
11. Cancer of Specified severity

• Enhancement of sum insured whose age is more than 50 years and the increase is upto Rs 15 lakhs. The insured should not suffer from any illness like chronic Illness or critical illness.

Eligibility Criteria

New India Asha Kiran Policy (For your Girlchild)

A girl specific health insurance plan that gives advance health protection from medical emergencies to girl proposer as well her family. The policy will cover all the basic hospitalization costs related to treatment of illness/ personal accident/ critical illness.

What medical costs and benefits are covered?

• Room Rent / Boarding/ Nursing Expenses and other associated expenses will receive 1% of the sum insured on a daily basis during the in-patient treatment process.
• RMO Charges, Fluids/Blood Transfusion/ Injection administration charges, Nursing Care,
• ICU limit up to 2% of Sum Insured per day.
• Anaesthetist, Consultants,Surgeon, Specialists Fees,Medical Practitioner
• Anesthetist, Oxygen, Operation Theatre Charges,Blood, surgical appliances, Diagnostic Materials and X-ray, Medicines & Drugs, Dialysis, Chemotherapy, Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, Radiotherapy, relevant laboratory diagnostic tests
• Organ transplantation cost which covers organ donor in-patient treatment for extraction of the organ where cost of organ is not covered.
• For cataract claims, the liability of the company will be restricted to 10% of the sum insured or Rs. 50000 whichever less, for each eye
• Critical Illness coverage is given for insured who get diagnosed with any of the diseases pointed below. The company will pay 10% of the sum insured as extra amount in addition to admissible amount under New India Health insurance

1. Multiple sclerosis with persisting symptoms
2. First Heart attack of specified severity
3. Open chest CABG
4. Stroke resulting in permanent symptoms
5. Coma of specified severity
6. Kidney failure requiring regular dialysis
7. Motor neuron disease with permanent symptoms
8. Major organ/ bone marrow transplant
9. Permanent paralysis of limbs
10. Open Heart replacement or repair of Heart Valves
11. Cancer

• Daily Hospital Cash available at the rate of 0.1% of sum insured for each day of hospitalization. For availing this benefit, the claim must be admissible by New India Assurance.

Eligibility Criteria

New India Top Up Mediclaim (Super Protection)

A health insurance plan that provides high coverage for each admissible claim of hospitalization or other medical facilities along with extended coverage for family members.

What medical costs and benefits are covered?

• Room Rent, boarding and nursing expenses actually incurred subject to a cap of Rs. 5000 per day for Rs. 5,00,000 Threshold and Rs. 8000 per day for Rs. 8,00,000 Threshold.
• Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses which are actually occurred. The maximum coverage awarded will be Rs. 10,000 per day for Rs. 5 lakhs of threshold and Rs. 16000 per day for Rs. 8 lakhs of threshold.
• Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist fees.
• Anesthetist, Oxygen, Operation Theatre Charges,Blood, surgical appliances, Diagnostic Materials and X-ray, Medicines & Drugs, Dialysis, Chemotherapy, Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, Radiotherapy, relevant laboratory diagnostic tests. Reimbursement / payment of Room, nursing expenses and boarding incurred at
• AYUSH treatments are payable provided the treatment has been undergone in a government hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board on Health.
• Hospital cash paid as Rs. 500 per day for Rs. 5,00,000 threshold and Rs. 800 per day for Rs. 8,00,000 threshold. The number of days allowed to avail this benefit are 10 days for listed Illnesses/ ailments.
• Cover the treatment of Cataract for each eye whose cost should not go beyond Rs.50,000.
• Organ transplantation cost which covers organ donor in-patient treatment for extraction of the organ where cost of organ is not covered.

Eligibility Criteria

New India Sixty Plus Mediclaim

This health policy is completely for the health betterment of senior citizens which are often neglected during the time of coverage due to their age. This plan will cover medical expenses of the person above 60 years and ensure their safety from uninvited medical emergencies.

What medical costs and benefits are covered?

• Room charges up to 1% of sum insured per day and Intensive care unit (ICU) charges up to 2% of sum insured per day. This will include nursing care, RMO charges, IV fluids / blood transfusion / injection administration charges.
• Medical Practitioner, Surgeon, Consultants, Specialists Fees, Anaesthetist. The insured is guaranteed a payment of 25% of the sum insured plus cumulative bonus buffer on happening of any illness.
• Anesthetist, Oxygen, Operation Theatre Charges,Blood, surgical appliances, Diagnostic Materials and X-ray, Medicines & Drugs, Dialysis, Chemotherapy, Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, Radiotherapy, relevant laboratory diagnostic tests. A maximum coverage equal to 50% of the sum insured is offered.
• Attendant Charges is also covered where the insured will receive Rs. 5000, Rs. 7000 and Rs, 10,000 per hospitalization according to sum insured chosen (Rs 2, 3 and 5 Lakhs). The maximum amount offered per day is Rs. 800 or actual cost, whichever is less.
• Ambulance services in case of emergency cases where the patient needs immediate medical attention and an amount equal to 1% of the sum insured per hospitalization is paid by the company. This facility can be availed for transfer of insured from one hospital to another for better treatment or for admission to ICU/ emergency ward from home/ any location.
• Organ Transplantation cost will be covered which include Hospitalisation cost (excluding cost of organ) on the treatment of donor for extraction of organ and transplanting the organ in the recipient body. This will not cover the expenses of the organ donated.
• Enhancement of the sum insured preceding the renewal on the consent of the company in written and the maximum increase can be up to Rs 5 lakhs.

Eligibility Criteria

Senior Citizen Mediclaim Policy (for Elders)

The senior citizen ranging between 60 years to 80 years can easily purchase this policy and can get uninterrupted coverage for medical cost incurred for any listed diseases/ injury/ accident.

What medical costs and benefits are covered?

• In Patient Hospitalization for any illness as listed by the New India Assurance where related medical expenditure will be paid by the company.
• Coverage for pre-existing diseases which is carried by the insured before purchasing the policy and the company promises to cover it after passing of 4 years of health policy.
• Free Health checkup facility if the policy is renewed without any delay for three years and
• Common diseases like Hypertension, Diabetes mellitus are also given due coverage if a claim is made.
• Cataract with imported foldable lens, Hysterectomy, Appendicectomy, Angiography, Tonsillectomy, Tympanoplasty, Kidney stone/lithotripsy and other included diseases are given proportionate amount of sum insured.
• Treatment taken under Ayurvedic/ Homeopathic/ Unani are given due coverage if the institution is recognized by Quality Council Of India / National Accreditation Board on Healthcare. The insured will get 25% of the sum insured as an agreed amount for the treatment.

Eligibility Criteria

Janata Mediclaim Policy (To suit simple budget)

This will cover all the medical expenses that are necessary for the treatment of a disease/ injury. From hospitalization to recovery of a disease, this cover is uniquely structured for completing every need of the customer.

What medical costs and benefits are covered?

1. Inpatient hospitalization expense coverage for the rectification of diseases that take more than 24 hours and requires proper hospital room to carry out the operations. Cashless facility can be availed for in-patient treatment through obtaining permission from TPA.
2. Pre-hospitalization expenses for 30 days are eligible to get reimbursement from the company.
3. Post hospitalization expenses for 60 days after the discharge is allotted from treating hospital are payable.
4. Day-care treatment costs are covered for the illnesses mentioned in the policy wordings under day care procedures. Due to medical advancement, the doctors/ researchers are now able to treat an illness within 24 hour.
5. Ambulance Charges for transferring the insured to the nearest medical facility/ hospital from home is also available up to a specified limit.
6. Ayurvedic, Homeopathic and Unani based treatment are covered and a maximum of 25% of the sum Insured is granted for the treatment. The institution or organization must be recognized by Quality Council Of India / National Accreditation Board on Health.
7. Pre-existing diseases are covered based on constant renewals without any gap.
8. If the insured carries a pre-existing conditions like Hypertension, Diabetes, Cholesterol and its complications during the purchase of policy will be covered. However, additional premium must be submitted and policy is renewed for two years perpetually.
9. Organ transplantation cost which covers organ donor in-patient treatment for extraction of the organ where cost of organ is not covered.

Eligibility Criteria

Universal Health Insurance Scheme

The policy mainly focuses on providing insurance services to groups that consists of various families.This health insurance plan has the capacity to attend 100 families at the same time and the insured should cover all the eligible members in the family under one group. The group policy must be issued to an institution/ organization/ mentioning the names of insured members included.

What are medical cost and benefits are covered?

• In-patient hospitalization costs will be covered up to limit of sum insured and the following expenses will be under coverage.

1. The Room, Boarding Expenses availed at the time of treatment by treating Hospital
2. Nursing Expenses and Intensive Care Unit expenses
3. Medical Practitioner, Anaesthetist, Consultants, Specialist Fees,Surgeon,
4. Medicines & Drugs, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances,Anesthesia, X-Ray, Diagnostic Materials and Dialysis,
5. Cost of Pacemaker, Chemotherapy, Radiotherapy,Artificial Limbs & Cost of Organs and other related costs.

• Any injuries/ death arising from uncertain accidents to the head of family that is visible on the body are covered. The death will be covered if the accident has happened within a period of 6 months and the New India Assurance will provide Rs 25,000 for the loss.
• Disability benefit applicable to the earning head of the family ho is being hospitalized for the treatment of illness/ diseases/ injuries. Daily cash of Rs. 50/- is given for a maximum period of 15 days in a policy period and a time excess of 3 days is compensated.

Eligibility Criteria

Jan Arogya Bima

New India formulated this insurance policy for the weaker population of the society who does not have funds to pay the costly premium of the health insurance policy. This insurance will cover all medical expenses such as pre and post hospitalization, cashless treatment, health checkups, doctor consultation, etc.

What are medical cost and benefits are covered?

• In-patient hospitalization expenses are covered for a particular illness and will include cost such as-

1. Chemotherapy, radiotherapy, cost of pacemaker, artificial limbs & cost of organs and similar expenses
2. Nursing expenses and ICU facility
3. Surgeon, anaesthetist, medical practitioner, consultants, specialist fees
4. Room, and boarding expenses
5. medicines & drugs, blood, oxygen, x-ray, operation theatre charges, surgical appliances, Anesthesia, diagnostic materials and dialysis

• Daycare treatment are covered that neither require long hours of medical supervision nor any separate rooms for operation. Treatment such as Angioplasty, cataracts, tonsils, Fistulectomy, ear surgery,Angiography etc.
• Pre-hospitalization expenses coming before the admission to a hospital for treatment are included. Expenses 30 days prior to hospitalization are reimbursed by New India Assurance.
• Post-hospitalization expenses coverage for 60 days maximum immediately happening after the treating hospital issued the discharge letter/ note
• OPD treatment expenses are covered if a medical expert has recommended the treatment as compulsory for the betterment of insured person.

Eligibility Criteria

Cancer Medical Expn-Individual

This New India Health insurance is based on a membership basis taken with the Indian Cancer Society. This society is responsible in making the cancer insurance available to life remembered that neither require long hours of medical supervision nor any separate rooms for operation. Treatment such as cataracts, corporate members life members, Fistulectomy, Angiography, corporate members Angioplasty eered that neither require long hours of medical supervision nor any separate rooms for operation. Treatment such as cataracts, ear surgery, tonsils, Fistulectomy, tonsils, Angiography, Angioplastyes, well-wisher ordinary members,ear surgery, well-wisher ordinary members.

What medical costs and benefits are covered?

• All the cost that is related to the treatment of cancer are included-

1. Diagnosis of disease
2. Biopsy
3. hospitalization,Surgeries, and rehabilitation
4. Chemotherapy, radiotherapy for cancer treatment

• Cumulative discount of up to 50% of the sum insured is awarded to the insured is no claim has been made during a policy year.
• Free cancer checkup facility to the insured and his/ her spouse by the Indian Cancer Society.
• Health check-ups with up to 50% of discount on every visit to the doctor after availing the free service of health checkup.
• Allopathic treatment availed at any government managed and regulated institution is covered and expenses are paid on a reimbursement basis.
• Dependent child inclusion is also available on payment of additional premium with the basic premium.

Eligibility Criteria

Family Mediclaim 2012 Policy

This family mediclaim policy is applicable to all the family members including self, spouse, children and parents who are dependent on the insured for income. Also, this gives the benefit of enormous discounts on the premium on including more than 2 or 3 members and opting higher sum insured value in the policy.

What medical costs and benefits are covered?

• Inpatient Treatment expenses that majorly covers all the cost of rectifying a/ an diseases/ accident/ injury during the admission to the hospital. This will involve-

1. Boarding Expenses, Room, for carrying on an operation
2. Nursing Expenses
3. Consultants,Surgeon, Medical Practitioner, Specialist Fees,Anaesthetist.
4. X-Ray, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and Anesthesia, Dialysis.
5. Cost of Pacemaker, ArtificialLimbs, Radiotherapy, & Cost of Organs and similar expenses

• Before hospitalization expenses are covered for the same illness for which inpatient treatment has been taken in a network or non-network hospital. The medical cost appearing 30 days before the actual hospitalization is reimbursed.
• After hospitalization expenses will get reimbursed if the expenses are relevant to the illness/ injury for which the in-patient hospitalization has been availed. Post-hospitalization cost is covered for a maximum of 60 days beginning after the discharge is allocated to the insured patient.
• No Claim Discount is granted if the insured doesn’t apply for any claim throughout the policy year and the health insurance policy is regularly renewed with New India. A maximum of 15% discount can be earned on the premium paid annually in a policy term.
• Cumulative bonus buffer is like supplements the total sum insured when present coverage is insufficient as compared to the amount of hospitalization/ medical expense during the policy year. For instance, Raj has sum insured of Rs 2 lakhs and the cumulative bonus buffer amount to Rs 30000. The total expense amount comes at 2.5 lakhs which is more than the sum insured but due to presence bonus buffer the company will give Rs 2,30,000 as admissible claim amount. after i
• Continuity Benefit is allowed to the policyholder for being regular in submission of premiums on every renewal date for months minimum. This will provide access to medical benefits such as treatment in cataract, cost of health checkup, cumulative bonus buffer and No Claim Discount without any delay due to late submission.

Eligibility Criteria