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Yuva Bharat Plan
India is experiencing a youth-driven demographic shift, and health insurance providers are stepping up with specialized plans. The Yuva Bha…
- Personal accident benefits
- Critical illness benefits
- Air ambulance
New India Health Insurance
New India Flexi Floater Mediclaim Policy
New India Flexi Floater Mediclaim is among the well-recognized insuran ...Read More
Up to 2 Crore
Sum insured
1
No. of plans
1800+
Pan India presence
90.73%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 3,000+ hospitals
📊 1.91 solvency ratio
✅ 90.73% claim settlement
About New India Flexi Floater Mediclaim Policy
A quick read on what this New India Health Insurance plan covers and why it might be a fit for you.
New India Floater Mediclaim by New India Assurance is among the well-recognized insurance plans when opting for comprehensive New India Health Insurance for yourself and your loved ones. With 3 optional covers and a multitude of benefits, New India Floater Mediclaim is among the ideal health insurance plans. New India Floater Mediclaim Policy offers facilities like cumulative bonus, over 100+ daycare procedures, AYUSH treatments, Critical Care benefits, and more. The plan covers individuals between 18 to 65 years, as well as dependent children from 3 months to 65 years, with sum insured options ranging from 2 to 15 lakhs.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 Years
Plan type
Family
Sum insured options
₹2 L, ₹3 L, ₹5 L, ₹8 L, ₹10 L, ₹12 L, ₹15 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1,2,3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Cumulative Bonus
- Newborn Baby cover
- Critical Care Benefit
Cons
- Illegal Activities
- Adventure Sports
- Self-inflicted Injuries
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
New India Health Insurance
This video talks about New India Health Insurance in detail. It talks about key features like Solvency Ratio, Claim Support Ratio which help an individual to analyze if the Insurer matches with his/ her requirements.
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under the New India Floater Mediclaim Plan are:
- Hospitalization out of war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and Abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
- Listed ailments after 24/36 Months
- Pre-existing diseases after 36 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 15 L
Other features & benefits
- 4 Optional Covers
- Hospital Cash Cover
- Cataract Covered
New India Flexi Floater Mediclaim Policy: FAQs
The 5 most-asked questions about New India Flexi Floater Mediclaim Policy, answered.
An individual between the age of 18 to 65 years can invest in the New India Floater Mediclaim Policy along with dependent children between the age of 3 months to 25 years.
Individuals can cover entire families under New India Floater Mediclaim Policy such as self, Spouse, Dependent Children, and Parents.
Yes, hospitalization expenses are covered under New India Floater Mediclaim Policy up to S.I.
Yes, up to 10% of S.I. would be paid as Critical Care Benefit in case an insured life is diagnosed with a critical illness during the policy tenure.
Individuals can get treatment for over 130+ day care procedures under New India Floater Mediclaim.
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