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About New India Health Insurance

New India Assurance Co. Ltd. is a multinational general insurance company headquartered in Mumbai. With its incorporation in 1919, it is one of the oldest insurance companies in India. It sells a vast portfolio of insurance plans to its customers. One of its offerings, health insurance, covers the overall medical expenses of the policyholders and grants them an easy way to fully concentrate on their recoveries.

Highlights of New India Health Insurance

Offices in India2395
No. of Agents68389
Total products offered250

Table Data updated on 19-11-2020

New India Health Insurance Highlights

New India Assurance Health Insurance Plans

Let,s take a look at the different New India health insurance plans

1. 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 Criteria

Entry AgeAdults: 18-65
Children: 3 months to 18 years
Sum InsuredRs.1-5 lakhs

Table Data updated on 19-11-2020

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.

2. New India Group Cancer Medical Policy

New India Group Cancer Medical Policy covers all the expenses related to inpatient, outpatient, or daycare 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 won,t entertain any claim if filed within 30 days from the inception date of the plan.

3. 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 people (up to 60 years of age) covering the below family members

  • Self
  • Spouse
  • Up to 2 dependent children

Eligibility Criteria

Entry Age18 years to 60 years
Sum InsuredRs. 2-5 lakhs

Table Data updated on 19-11-2020

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 hospitalisation expenses (30 and 60 days) are payable by the plan.
  • Pre-existing diseases are only covered after 4 continuous and claim-free policy years.

4. New India Family Mediclaim 2012

The New India Family Mediclaim 2012 policy offers coverage against unforeseen hospitalization expenses to the individuals as well as their family members between the age of 18 years and 65 years. Individuals above 65 years of age can continue their insurance if they are insured under the policy without any break. You can also cover your entire family to get a 10% discount on the total premium.

5. New India Jan Arogya Bima Policy

The New India Jan Arogya Policy provides cheap mediclaim and is designed for the poor section of the society

Eligibility Criteria

Entry AgeAdults: 5-70 years
Sum InsuredRs.5000/person

Table Data updated on 19-11-2020

Features

  • The policy covers (up to the sum insured) all the hospitalization expenses of room, boarding, nursing, blood, oxygen, and even surgeon, anesthetist, or specialist fees.
  • The policy looks after pre and post-hospitalisation expenses (30 and 60 days)

6. New India Janata Mediclaim Policy (For Individuals an Groups)

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.

Eligibility Criteria

  • The policy covers the expenses of pre-hospitalisation (up to 30 days), and post-hospitalisation (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.

7. 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 your family.

Eligibility Criteria

Entry AgeAdults: 18-65 years
Daughters: 3 months-25 years
Hospital Cash Benefit0.1% of SI per day

Table Data updated on 19-11-2020

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.

8. New India Flexi Floater Mediclaim Policy (For Groups an Individuals)

New India Flexi Floater Mediclaim Policy reimburses the hospitalisation expenses for any illness or injury sustained.

Eligibility Criteria

Features

  • The plan offers coverage (up to 25% of the sum insured) for AYUSH treatments taken in a government registered hospital.
  • Ambulance expense incurred (1% of SI or actual, whichever is less, maximum Rs.2500) to transport insured from residence to hospital or from one hospital to another is covered.
  • Pre and post-medical charges (30 and 60 days) are also covered under the plan.

9. New India Floater Mediclaim Policy

New India Floater Mediclaim Policy offers coverage against unforeseen hospitalisation expenses to the entire family under one sum insured. One can cover a maximum of 6 members under the policy.

Eligibility Criteria

Entry AgeAdults: 18-65 years
Sum AssuredRs. 2, 3, 5, 8, 10, 12 and 15 lakhs

Table Data updated on 19-11-2020

Features

  • New born baby covers are 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) are covered by the plan.

10. New India Cancer Guard Policy

New India Cancer Guard Policy offers coverage against all the expenses related to cancer treatment.

Eligibility Criteria

Entry age3 months – 65 years
Sum AssuredRs. 5, 10, 15, 25 and 50 lakhs

Table Data updated on 19-11-2020

Features

The plan offers coverage for the following conventional and advanced treatment:

  • Chemotherapy
  • Radiotherapy
  • Organ transplant, as part of Cancer treatment
  • Onco-surgery
  • Proton Treatment
  • Personalised & 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 for your surgery with another medical practitioner, the plan will cover its expenses (up to Rs.5000).

11. 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.

12. 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 Criteria

Entry age18-65 years
Maximum Members Covered6

Table Data updated on 19-11-2020

Features

The policy offers 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 age 50.

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).

13. 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 Criteria

Entry Age60 years – 80 years
Sum AssuredRs.2, 3 and 5 lakhs

Table Data updated on 19-11-2020

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 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.

14. New India Top-Up Mediclaim Policy

New India Top-up Mediclaim Policy covers the hospitalization expenses once it exceeds the threshold limit, and allows the policyholder to cover themselves and their family members against uncertain medical emergencies. The plan can cover up to 6 family members (self, legal spouse, dependent children, and parents).

Eligibility Criteria

Entry age18-65 years
Sum insuredRs.5-22 lakhs

Table Data updated on 19-11-2020

Features

  • AYUSH treatment expenses are covered.
  • 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.

15. New India Senior Citizen Mediclaim Policy

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.

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 Ayurvedic and Unani in government registered hospitals.
  • Surgeons, medical practitioners, anesthetists, specialists fees, and nursing expenses are also covered.

16. New India Tertiary Care Insurance

New India Tertiary Care policy is designed for individuals and groups that grant them coverage for hospitalisation/domiciliary hospitalisation expenses for nine major ailments.

Features

The plan provides a cumulative bonus for every claim-free year.

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 Close 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.

Pre and post-hospitalisation expenses are covered by the policy.

17. 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.

18. 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 Criteria

Entry ageAdults: 18-65 years
Sum insuredRs. 1,2, 3, 5, 8, 10, 12 and 15 lakhs

Table Data updated on 19-11-2020

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.

19. New India Group Mediclaim 2007

New India Group Mediclaim 2007 looks after all the hospitalisation 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 also covers pre and post-hospitalisation expenses for 30 & 60 days respectively.
  • AYUSH treatments undertaken in a government recognized hospital is looked after (up to 25% of SI) by the plan.

20. New India Corona Kavach Policy

Corona Kavach 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 Criteria

Entry AgeAdults: 18-65 years
Sum InsuredRs. 50,000 to Rs. 5 Lakhs
Policy Tenure3.5 months, 6.5 months & 9.5 months

Table Data updated on 19-11-2020

How to buy New India Health Insurance Plans?

New India has designed a simple buying process to avail of its health insurance plans. Let,s take a look at it.

  • Go to the official website of the New India Assurance.
  • Click on the 'Get Quote,.
  • Select the 'Health Insurance, tab, choose the plan, and click on 'Buy Online,.
  • Fill in all your details and make the online payment.
  • Once done, the policy plan will be emailed to you on your registered email ID.

You also have the option to reach out to the nearest New India branch to purchase health insurance.

How to renew New India Health Insurance?

There is a simple process to renew New India health insurance. Let,s have a look at it.

  • Go to the official website of the New India Assurance.
  • On the top, click on the 'Quick Help, and then select 'Quick Renewal,.
  • Enter the 'Policy Number, and the 'Customer ID,.
  • Make the premium payment.
  • The policy document will be mailed to your registered email address.

How to file a New India Health Insurance claim?

Just follow the below-listed steps-

Intimate The Company:

  • In case of planned hospitalization, you need to inform 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 pathologists 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.

In the case of post-hospitalisation, documents need to be submitted within 7 days of the treatment date. After all the verification is done, the company will settle the claim.

New India Health Insurance: FAQs

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 self, spouse, and dependent daughters (maximum two).

2. Does New India Floater Mediclaim Policy offer coverage against critical illnesses?

Yes, 10% of the sum insured is provided to the claimant.

3. Is New India Global Mediclaim Policy available to NRIs?

This policy is available only for Indians living in India and not to NRIs, OCI,s, or PIO,s.

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.

Page updated on 19-11-2020