To cater to the different needs of an individual, New India comes up with 19 health insurance plans.
Let's understand each plan in detail.
New India Assurance Arogya Sanjeevani Policy
New India Assurance Arogya Sanjeevani Policy offers comprehensive coverage against medical expenses and can be purchased without any pre-acceptance medical checkup. One can cover self, spouse, children, parents, and parents-in-law under the policy.
Eligibility:
| Entry Age | Adults: 18-65 years
Children: 3 months-25 years |
| Sum Insured | Rs 1-5 lakhs |
**Last Updated on July, 2021
Features:
- The policyholder is eligible to get a family discount of 5% (under Floater Sum Insured) for covering 2 or more members.
- The plan offers coverage for cataract surgeries up to 25% of the sum insured (maximum Rs.40,000).
- Any treatment for genetic disorders, mental illness, or HIV is also covered by the plan.
New India Group Cancer Medical Policy
New India Group Cancer Medical Policy covers all the expenses related to inpatient or outpatient cancer treatment. The policy remains valid for one year from the date the insured becomes a member of the Indian Cancer Society and the risk shall commence from that date.
Features:
- The plan offers an increase in the sum insured by 5% concerning each completed year.
- The company will not entertain any claim if filed within 30 days from the inception date of the plan.
New India Family Floater Mediclaim
New India Family Floater Mediclaim offers coverage to the family members with one sum insured. The policy can be issued to the below family members:
- Self
- Spouse
- Up to 2 dependent children
Eligibility:
| Entry Age | 18-60 years |
| Sum Insured | Rs 2-5 lakhs |
**Last Updated on July, 2021
Features:
- The plan offers coverage (up to 25% of SI) against Ayurvedic/Homeopathic and Unani systems of medicine if treatment is taken in a government-registered hospital.
- Pre and post-hospitalization expenses (30 and 60 days) are payable by the plan.
- Pre-existing diseases are only covered after 4 continuous and claim-free policy years.
New India Family Mediclaim 2012
The New India Family Mediclaim 2012 offers coverage against unforeseen hospitalization expenses to individuals and their family members between the age of 18 years and 65 years.
Features:
- You can cover your entire family (spouse, children & parents) to get a 10% discount on the total premium.
- Individuals above 65 years of age can continue their insurance if they are insured under the policy without any break.
New India Jan Arogya Bima Policy
New India Jan Arogya Policy provides medical coverage at economical premium prices. It is designed for the financially weaker section of society.
Eligibility:
| Entry Age | 5-70 years |
| Sum Insured | Rs 5,000/person |
**Last Updated on July, 2021
Features:
- The policy covers (up to the sum insured) all the expenses related to room, boarding, nursing, blood, oxygen, and even surgeon, anesthetist, or specialist fees.
- The policy looks after pre and post-hospitalization expenses (30 and 60 days)
New India Janata Mediclaim Policy
New India Janata Mediclaim policy is ideal for those who wish to cover the entire family (self, spouse, dependent children, and dependent parents) under one policy.
Features:
- The policy covers the expenses of pre-hospitalization (up to 30 days), and post-hospitalization (up to 60 days), a maximum of 10% of the hospital bill.
- Expenses incurred during AYUSH treatments are admissible up to 25% of the sum insured.
- Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses are also covered under this policy.
New India Asha Kiran Policy
New India Asha Kiran policy is designed for parents who have a single girl child. It helps to tackle all the medical needs of the family.
Eligibility:
| Entry Age | Adults: 18-65 years
Daughters: 3 months-25 years |
| Hospital cash benefit | 0.1% of SI per day |
**Last Updated on July, 2021
Features:
- This policy covers the room rent expenses (up to 1% of the sum insured per day), and ICU charges (up to 2% of the sum insured per day).
- The policy pays (Rs.50,000 or 10% of SI, whichever is less) for cataract treatment (per eye).
- The policy also provides personal accident cover, which includes accidental death and disability cover.
New India Floater Mediclaim Policy
New India Floater Mediclaim Policy offers coverage against unforeseen hospitalization expenses to the entire family under one sum insured. One can cover a maximum of 6 members under the New India health insurance plans for family
Eligibility:
| Entry Age | Adults: 18-65 years |
| Sum Assured | Rs. 2, 3, 5, 8, 10, 12 and 15 lakhs |
**Last Updated on July, 2021
Features:
- A newborn baby cover is provided by the plan.
- The plan covers the expenses of 139 daycare procedures.
- Cataract claims (Rs.50,000 or up to 10% of SI, whichever is less, for each eye) are covered by the plan.
New India Cancer Guard Policy
New India Cancer Guard Policy offers coverage against all the expenses related to cancer treatment.
Eligibility:
| Entry Age | 3 months - 65 years |
| Sum Assured | Rs. 5, 10, 15, 25 and 50 lakhs |
**Last Updated on July, 2021
Features:
The plan offers coverage for the following conventional and advanced treatment:
- Chemotherapy
- Radiotherapy
- Organ transplant
- Onco-surgery
- Proton Treatment
- Personalized & Targeted therapy
- Hormonal Therapy or Endocrine manipulation
- Immunotherapy including immunology agents
- Stem cell transplantation
- Bone marrow transplantation
58-daycare treatments are covered under the plan.
If you want to take a second opinion on your surgery with another medical practitioner, the plan will cover its expenses (up to Rs.5000).
New India Global Mediclaim Policy
The New India Global Mediclaim Policy covers the global hospitalization expenses of an individual who already has health insurance with a sum insured of Rs. 8 lakhs and above. Individuals between 18-65 years can buy this policy.
Features:
- Under this policy, Cancer surgery, Neurosurgery, Coronary Artery Bypass Graft (CABG) Surgery, Heart Valve Surgery, Living Organ, and Bone Marrow transplants are covered.
- The cost of a second medical opinion is covered.
- A pre-medical test is mandatory to purchase the plan.
New India Premier Mediclaim Policy
New India Premier Mediclaim Policy looks after the hospitalization bills of the insured, allowing him/her to rest completely without worrying about the expenses.
Eligibility:
| Entry Age | 18 - 65 years |
| Maximum Members covered | Up to 6 |
**Last Updated on July, 2021
Features:
The policy is available in two variants:
- Plan A: Sum Insured of Rs. 15,00,000 and 25,00,000.
- Plan B: Sum Insured of Rs. 50,00,000 and 100,00,000.
A pre-acceptance medical check-up is not required till the age of 50 years.
The plan provides a hospital cash benefit of Rs. 2,000 per day (for plan A) and Rs. 4,000 per day (for plan B) for any one illness.
New India Sixty Plus Mediclaim Policy
New India Sixty Plus policy is designed for senior citizens. This policy will handle their medical expenses without giving them any financial trouble.
Eligibility:
| Entry Age | 60 years - 80 years |
| Sum Assured | Rs. 2, 3, and 5 lakhs |
**Last Updated on July, 2021
Features:
- The plan offers coverage for pre & post-hospitalization expenses (30 days and 60 days respectively) up to the limit of 10% of the sum insured.
- Get tax benefits under section 80D of the Income Tax Act, 1961.
- If a single senior citizen woman is covered under this plan, a 5% off is given on the primary member's premium.
New India Top-up Mediclaim Policy
New India Top-up Mediclaim Policy covers the hospitalization expenses once it exceeds the threshold limit. The plan can cover up to 6 family members (self, legal spouse, dependent children, and parents).
Eligibility:
| Entry Age | 18 - 65 years |
| Sum Insured | Up to Rs. 22 lakhs |
**Last Updated on July, 2021
Features:
- AYUSH treatment expenses are covered under the plan.
- The plan pays for cataract treatment expenses up to Rs.50,000 (per eye).
- For pre-existing diseases, there is a waiting period of 48 months.
New India Senior Citizen Mediclaim Policy
New India Senior Citizen Mediclaim policy is designed to provide medical coverage at an affordable premium to senior citizens between the age group of 60-80 years.
Features:
- The policy has a maximum age limit of 80 years, however, the policy can be extended beyond that if the policy is renewed without a break.
- The policy covers all the hospitalization expenses, including those incurred 30 days before admission (up to 5% of hospital bills), and 60 days after discharge (up to 10% of hospital bills).
- It also covers ambulance charges (maximum Rs.1000), and alternative treatments done for AYUSH (up to 25% of SI) in government-registered hospitals.
New India Tertiary Care Insurance
New India Tertiary Care policy is designed for individuals to grant them coverage for hospitalization/domiciliary hospitalization expenses for nine major ailments.
Features:
The plan provides a cumulative bonus for every claim-free year.
Pre and post-hospitalization expenses are covered by the policy.
The nine listed ailments covered under this policy are:
- Nephritis of any aetiology plus bacterial renal failure requiring kidney transplantation or dialysis
- Cerebral or Vascular Strokes
- Open and Closed Heart Surgery (inclusive of C.A.B.G)
- Malignancy disease (confirmed on Histopathological report)
- Encephalitis (Viral)
- Neuro Surgery
- Total Replacement of joints
- Liver disorder (Hepatitis B & C) associated with complications like Cirrhosis of liver
- Grievous injury including multiple fractures of long bones, head Injury leading to unconsciousness, burns of more than 40%, an injury requiring artificial ventilator support plus Vertebral Column injury.
New India Universal Health Insurance APL
New India Universal Health Insurance APL offers coverage to the policyholder and provides reimbursement of the hospital expenses in case of illness or injury sustained.
Features:
- The policy covers individuals/families between the age of 3 months and 65 years.
- The plan covers room and boarding expenses (up to 0.5% of SI per day).
- Expenses for anesthesia, blood, oxygen, surgical appliances, OT charges, diagnostic material & X-Ray, medicines, drugs, artificial limbs, etc. are also covered up to 15% of SI per illness/injury.
New India Mediclaim Policy
New India Mediclaim Policy offers coverage against the expenses incurred due to unforeseen hospitalization. The policy offers lifetime renewability, provided the policy is renewed on time.
Eligibility:
| Entry Age | 18 - 65 years |
| Sum Insured | Up to Rs. 15 lakhs |
**Last Updated on July, 2021
Features:
- The policyholder is eligible for a health check-up after every 3 claim-free years.
- The policy reimburses the ambulance charges (1% of SI).
- AYUSH treatment expenses are also covered (up to 25% of the SI).
- 139-daycare procedures are covered under this policy.
New India Group Mediclaim 2007
New India Group Mediclaim 2007 looks after all the hospitalization expenses resulting from illness/injury.
Features:
- The plan offers coverage (1.0 % of the SI per day or actual, whichever is less) for the room, boarding, and nursing expenses.
- Surgeons, medical practitioners, anesthetists, and specialists fees are covered under the plan.
- The plan covers pre and post-hospitalization expenses for 30 & 60 days respectively.
- AYUSH treatments undertaken in a government-recognized hospital are looked after (up to 25% of SI) by the plan.
New India Corona Kavach Policy
Corona Kavach Policy is a single premium policy that can be bought by individuals to cover themselves from the expenses incurred during the treatment of COVID-19. This policy can be bought on an individual or family floater basis.
Eligibility:
| Entry Age | Adults: 18-65 years |
| Sum Insured | Rs. 50,000 - Rs. 5 lakhs |
| Policy Tenure | 3.5 months, 6.5 months and 9.5 months |
**Last Updated on July, 2021
Features:
- The policy looks after the ambulance charges (up to Rs.2000).
- Expenses incurred against pre and post-hospitalization are covered (15 & 30 days).
- In case the policyholder requires home care treatment, the plan pays for its expenses (up to 14 days/incident).
I would definitely recommend New India Health insurance to everyone. Great customer support team, very helpful.