Buy New India Health Insurance | Compare & Get Online Discounts

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Updated on Apr 08, 2025 8 min read

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. The company was founded in 1919 and operates in 25 countries globally. Undoubtedly, 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.

3769+

Network
Hospitals

1,800+

Offices
Across India

2 Cr+

Policies
Issued

Up to 2 Cr

Sum
Insured

24X7

Customer
Support

What are some of the
Features
that set them apart?

1

Presence across 25 countries
2

A comprehensive wellness system to promote a healthy lifestyle
3

Health and wellness services provided to customers
4

International travel for treatments
5

Unlimited teleconsultations

New India Health Insurance Awards and Accolades.

Most preferred workplace award for FY 2022-23 from BFSI Award
'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

New India Health Insurance Detailed Review

Why Do We Exist?

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Best Selling New India Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

Individual and Family Health Insurance

New India Health Insurance Plans	Eligibility	Approximate Annual Premiums
Yuva Bharat Plan	Entry Age - Min- 91 days, Max- 45 years Sum Insured - Up to 50 L	Rs. 4,712
New India Premier Mediclaim	Entry Age - 18 to 65 Years Sum Insured - Up to 1 Cr	Rs. 16,171

Group Health Insurance

New India Health Insurance Plans	Eligibility	Approximate Annual Premiums
Flexi Floater Group Mediclaim	Entry Age - 18 to 60 Years Sum Insured - Up to N/A	Rs. N/A

Critical Illness Health Insurance

New India Health Insurance Plans	Eligibility	Approximate Annual Premiums
New India Cancer Guard	Entry Age - 3 months to 65 Years Sum Insured - Up to 50 L	Rs. 929

Family

New India Health Insurance Plans	Eligibility	Approximate Annual Premiums
New India Flexi Floater Mediclaim Policy	Entry Age - 18 to 65 Years Sum Insured - Up to 15 L	Rs. 2,636

Senior Citizen Health Insurance

New India Health Insurance Plans	Eligibility	Approximate Annual Premiums
New India Senior Citizen Mediclaim Policy	Entry Age - 60 to 80 Years Sum Insured - Up to 1.5 L	Rs. 4043
New India Sixty Plus Mediclaim Policy	Entry Age - 60 Years to No Age Limit Sum Insured - Up to 5 L	Rs. 14,218

Accident Health Insurance

New India Health Insurance Plans	Eligibility	Approximate Annual Premiums
New India Assurance Personal Accident Policy	Entry Age - 5 to 70 Years Sum Insured - Up to N/A	Rs. N/A

Top Up and Super Top Up

New India Health Insurance Plans	Eligibility	Approximate Annual Premiums
New India Top-Up Mediclaim Policy	Entry Age - 18 to 65 Years Sum Insured - Up to 22 L	Rs. 1,800

Key Features Of New India Health Insurance

Let us take a look at some unique features of top-selling New India Health Insurance policies:

For Individual and Family Health Insurance

Yuva Bharat Plan
New India Premier Mediclaim
Asha Kiran Mediclaim Policy
New India Medicare Policy

Yuva Bharat Plan

The plan includes covers like personal accident benefits, critical illness benefits, air ambulance, auto top, infertility treatment, and more in its base, gold, and platinum varieties.

Why do we recommend this?

Covers family
Offers three plan variants
High sum insured

For Group Health Insurance

Flexi Floater Group Mediclaim

Flexi Floater Group Mediclaim

New India Flexi Floater Group Mediclaim Policy is a versatile group health insurance plan designed to offer financial protection and risk mitigation to the members of the group collectively under a single policy.

Why Do We Recommend This?

Reimbursement of Hospitalisation Expenses
Pre-hospitalization Cover
Post-hospitalization Cover

For Critical Illness Health Insurance

New India Cancer Guard

New India Cancer Guard

New India Cancer Guard Policy is a health insurance plan that provides a financial cushion for expensive treatments such as Cancer. The New India Cancer Guard Policy can be availed by individuals from the age of 3 months to 65 years.

Why Do We Recommend This?

58 Day Care Procedures
Post Treatment Follow Up
Second Opinion for Surgery

For Family

New India Flexi Floater Mediclaim Policy

New India Flexi Floater Mediclaim Policy

New India Flexi Floater Mediclaim is amongst the well-recognized insurance plans when opting for a comprehensive health insurance plan with 3 optional covers.

Why Do We Recommend This?

Cumulative Bonus
New Born Baby Cover
Cataract claims covered

For Senior Citizen Health Insurance

New India Senior Citizen Mediclaim Policy
New India Sixty Plus Mediclaim Policy

New India Senior Citizen Mediclaim Policy

New India Assurance Senior Citizen Mediclaim Policy is a comprehensive plan which provides many benefits such as medical cover, cashless hospitalization, and coverage for numerous illnesses.

Why Do We Recommend This?

Avail cataract treatments for covered members
Emergency ambulance services
Avail coverage for AYUSH treatments

For Accident Health Insurance

New India Assurance Personal Accident Policy

New India Assurance Personal Accident Policy

This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.

Why Do We Recommend This?

Offers a 24-hour cover.
Death cover
Permanent Partial Disablement

For Top Up and Super Top Up

New India Top-Up Mediclaim Policy

New India Top-Up Mediclaim Policy

New India Top-Up Mediclaim is a top-up insurance plan that covers hospitalization expenses once your base health insurance is exhausted.

Why Do We Recommend This?

Room Rent
ICU
Avail coverage for cataract

Explore other New India Health Insurance

To cater to the different medical needs of an individual & their family, New India Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to New India Health Insurance plans explore more:

Individual and Family Health Insurance

Yuva Bharat Plan

The New India Assurance Yuva Bharat Health Policy is a comprehensive health insurance plan that includes a plethora of additional features in addition...

Unique Features

3 plan variants
5 to 50 L SI
Auto top-up

Yuva Bharat Plan (Pros)

Personal accident benefits
Critical illness benefits
Air ambulance

Yuva Bharat Plan (Cons)

Illegal activities
Alcoholism and drug abuse
Adventure sports

Yuva Bharat Plan (Other Benefits)

Enhancement of sum insured
Cost of pharmacy
Ambulance service

Yuva Bharat Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Group Health Insurance

Flexi Floater Group Mediclaim

New India Flexi Floater Group Mediclaim Policy is a comprehensive health insurance plan. Since a group health insurance policy is designed to offer fi...

Unique Features

Ayush Cover
Genetic Disorder Cover
Mental Illness Cover

Flexi Floater Group Mediclaim (Pros)

Lasik Surgery
Maternity Cover
New Born Cover

Flexi Floater Group Mediclaim (Cons)

Illegal actvities
Alcoholism and drug abuse
self-inflicted harm

Flexi Floater Group Mediclaim (Other Benefits)

To-up cover
Daycare Treatment
Ambulance Cover

Flexi Floater Group Mediclaim (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 60 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Critical Illness Health Insurance

New India Cancer Guard

New India Cancer Guard Policy by New India Assurance is a health insurance plan that provides a financial cushion for expensive treatments such as Can...

Unique Features

Ambulance Cover
Day Care Covered
Cancer Care Benefit

New India Cancer Guard (Pros)

Chemotherapy
Radiotherapy
Organ Transplant

New India Cancer Guard (Cons)

Illegal Activities
Alcoholism and Drug Abuse
Adventure Sports

New India Cancer Guard (Other Benefits)

Post Treatment Follow-up
Second Opinion for Surgery
Ambulance Charges

New India Cancer Guard (Eligibility Criteria)

Min entry age: 3 Months
Max entry age: 65 Years
Initial Waiting Period: 90 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

New India Premier Mediclaim

New India Premier Mediclaim Policy is a versatile health insurance policy that can cover up to 6 members of your family under a single policy. New Ind...

Unique Features

High Sum Insured
AYUSH Treatment
Maternity Cover

New India Premier Mediclaim (Pros)

Room rent cover
ICU cover
Critical Illness benefit

New India Premier Mediclaim (Cons)

Illegal activities
Alcoholism and drug abuse
Adventure sports

New India Premier Mediclaim (Other Benefits)

Covers entire family
2 plan options
Hospital cash benefit

New India Premier Mediclaim (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Family

New India Flexi Floater Mediclaim Policy

New India Floater Mediclaim by New India Assurance is amongst the well-recognized insurance plans when opting for a comprehensive New India Health Ins...

Unique Features

Optional Cover Benefits
Crit-Care Available
Avail Family Discounts

New India Flexi Floater Mediclaim Policy (Pros)

Cumulative Bonus
New Born Baby cover
Critical Care Benefit

New India Flexi Floater Mediclaim Policy (Cons)

Illegal Activities
Adventure Sports
Self-inflicted Injuries

New India Flexi Floater Mediclaim Policy (Other Benefits)

4 Optional cover
Hospital Cash Cover
Cataract Covered

New India Flexi Floater Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 15 L

Senior Citizen Health Insurance

New India Senior Citizen Mediclaim Policy

New India Assurance Senior Citizen Mediclaim Policy is a comprehensive plan which provides many benefits such as medical cover, cashless hospitalizati...

Unique Features

AYUSH Treatment Covered
90% Co-payment
Organ Donor Benefit

New India Senior Citizen Mediclaim Policy (Pros)

Room Rent Cover
ICU Cover
Hospital Cover

New India Senior Citizen Mediclaim Policy (Cons)

Involvement in illegal activities
Alcoholism and drug abuse
Adventure sports

New India Senior Citizen Mediclaim Policy (Other Benefits)

Hysterectomy
Cataract Cover
AYUSH Cover

New India Senior Citizen Mediclaim Policy (Eligibility Criteria)

Min entry age: 60 Years
Max entry age: 80 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1.5 L

Individual and Family Health Insurance

Asha Kiran Mediclaim Policy

The New India Asha Kiran Policy by New India Health Insurance is a unique policy designed for parents with only a girl child. The New India Asha Kiran...

Unique Features

Girl Child policy
Discount on premiums
Critical illness benefits

Asha Kiran Mediclaim Policy (Pros)

Hospital Cash Cover
Covers Daughters
Cataract Cover

Asha Kiran Mediclaim Policy (Cons)

Illegal activities
Obesity and cosmetic procedures
Alcoholism

Asha Kiran Mediclaim Policy (Other Benefits)

AYUSH Cover
4 Optional Covers
226 Day care Procedure

Asha Kiran Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 15 L

Individual and Family Health Insurance

New India Medicare Policy

New India Assurance Mediclaim Policy offered by New India Assurance Health Insurance Company is a health plan that covers you and your family against ...

Unique Features

Wide Coverage Options
Same Rates of Premium
Key Features and Benefits

New India Medicare Policy (Pros)

AYUSH Cover
Modern Treatment
Health Check-up

New India Medicare Policy (Cons)

Illegal Activities
Alcoholism and Drug Abuse
Adventure Sports

New India Medicare Policy (Other Benefits)

Cataract
Ambulance Cover
Organ Donor Cover

New India Medicare Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: No Limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 15 L

Accident Health Insurance

New India Assurance Personal Accident Policy

New India Assurance Personal Accident Policy is a simple health insurance plan that provides compensation in case the insured is deceased or disabled ...

Unique Features

Accident Cover
Worldwide Coverage
Permanent Disability Cover

New India Assurance Personal Accident Policy (Pros)

Worldwide Coverage
Disability Cover
Death Benefit

New India Assurance Personal Accident Policy (Cons)

Self-injury not covered
Maternity coverage not available
Adventure sports not covered

New India Assurance Personal Accident Policy (Other Benefits)

Education Fund
Optional add-on covers
Family Package

New India Assurance Personal Accident Policy (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 70 Years
Initial Waiting Period: N/A
Sum Insured: N/A

Senior Citizen Health Insurance

New India Sixty Plus Mediclaim Policy

New India Sixty Plus Mediclaim Policy is a comprehensive health insurance by New India Assurance Company. The policy covers senior citizens aged betwe...

Unique Features

Senior Citizen Cover
Attendant Benefit
Discounts For Women

New India Sixty Plus Mediclaim Policy (Pros)

Continuation Aftеr Dеath
Organ Transplant Covеr
Covеr for Prе-Mеdical Chеck-up

New India Sixty Plus Mediclaim Policy (Cons)

Illegal activities
Alcoholism and Drug Abuse
Adventure Sports

New India Sixty Plus Mediclaim Policy (Other Benefits)

Attеndant Bеnеfit
Discount for Singlе Womеn
Covеragе for Spouse

New India Sixty Plus Mediclaim Policy (Eligibility Criteria)

Min entry age: 60 Years
Max entry age: No upper limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Top Up and Super Top Up

New India Top-Up Mediclaim Policy

New India Top-Up Mediclaim is a top-up insurance plan that covers hospitalization expenses once your base health insurance is exhausted. The policy is...

Unique Features

High SI Available
Mental Illness Cover
Avail Cataract Cover

New India Top-Up Mediclaim Policy (Pros)

Hospital Cash
Ambulance Cover
Zero Co-pay

New India Top-Up Mediclaim Policy (Cons)

Illegal activities
Alcoholism and Drug Abuse
Adventure Sports

New India Top-Up Mediclaim Policy (Other Benefits)

Get Well Benefit
Mental Health Cover
No Base Cover Needed

New India Top-Up Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 22 L

Why Choose New India Health Insurance?

A trusted brand since 1919
24X7 customer support for easy claim settlement
Over 3769 network hospitals all over India
Offers comprehensive coverage at affordable premiums
Tax benefits under Section 80D of the Income Tax Act

What is Covered?

Pre and Post Hospitalization Expenses

New India Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.

AYUSH Treatments

Most New India Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

New India health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the New India health insurance plans are designed to cover daycare procedures for policyholders.

Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. New India health insurance plans cover domiciliary hospitalization up to specified sub-limits.

What is not Covered?

Self Inflicted Injuries

New India health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

New India Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

New India Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

New India Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

New India health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

New India Health Insurance Network Hospital List

New India Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, New India Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

New India Health Insurance Plans Buying Process

If you are looking forward to purchasing New India Health insurance online follow the simple steps below:

Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Step 2
Click on 'Get free quotes' and compare New India Health Insurance Plans as per your needs.
Step 3
Select and pay premiums online for the purchased star health insurance plan of your choice.
Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your New India Health Insurance plan.

New India Health Insurance Renewal Process

Follow the steps for New India Health Insurance policy renewal

Step 1
Visit the official website of New India Health Insurance Company
Step 2
Click on the ‘Quick Help> Quick Renew’ tab
Step 3
Enter Customer ID and Renewed Quote No. (received through SMS) or Old Policy No.

Connect with our insurance experts for New India health insurance policy renewal at 1800 - 4200 - 269

New India Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your New India Health Insurance Plans by following these easy steps:

Step 1
Visit the website of New India Health Insurance, and select the "Register A Claim" option
Step 2
Select customer login or Register yourself by providing the details they ask for
Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
Step 5
Upload the documents asked and click on the "review" button.
Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

Documents Required For New India Assurance Health Policy Claim Settlement

Submit the following documents when filing for Niva Bupa health claims:

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

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore New India Health Insurance

New India Assurance 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 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. Do 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 the 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 the 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 A 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 by 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.

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