New India Assurance maternity cover can be bought with the New India Premier Mediclaim Policy which comes in two variants specified as Plan A and Plan B. The coverage under Plan A has a sum insured of INR 50K, and the Plan B variant goes a maximum of up to INR 1 Lakh to cover the incurred maternity expenses. This maternity plan will provide the insured with maternity benefits for 36 months continuously.
The good part is, that you are not getting maternity cover only with this plan, but it protects the healthcare interests of your family as well. Being a stand-out health insurance family floater plan, the New India Premiere Policy is suitable for both an individual and a family. Moreover, this page has covered all the policy benefits, features, eligibility criteria, and other valuable features of maternity health coverage by New India Assurance that you must know before buying it.
Features of New India Assurance Maternity Coverage
Are you thinking about what New India Assurance health insurance for maternity will offer you to plan your family in future? Know more about it below:
This policy comes with two variants Plan A (SI is INR 15 - 25 Lakhs) and Plan B (SI is INR 50 Lakhs - 1 Crore) and you can choose your plan as per your need.
The incurred maternity expenses are covered by the insurer at a maximum of INR 50K and 1 Lakh for plan A and plan B respectively.
The insured can cover their spouse, dependent children, and parents under the same policy.
Insured members and the policyholder/s below the age of 50 years are not required to undergo a pre-policy medical check-up.
The policy covers major hospitalization charges including non-medical expenses, daily hospital cash benefits, consultation charges, ICU, room rent, and so on.
There is a lifelong renewability with this plan.
Get INR 2K and 4K for Plan A and Plan B respectively as a hospital cash benefit.
You can avail of a tax exemption against the overall paid premium under Section 80D of the Income Tax Act, 1961 of India.
Eligibility Criteria For Buying New India Assurance Maternity Cover
Read below the eligibility criteria, the offered sum insured, and the specified waiting period of New India Assurance Maternity Cover:
Minimum age limit
Child- 91 days Adult- 18 years
Maximum age limit
Child- 25 years Adult- 65 years
Sum insured
Plan A: INR 15 L - 25 L Plan B: INR 50 L - 1 Crore
Waiting period
12 - 36 months
Policy tenure
1 year
Note: Generally, the maximum age limit for maternity coverage benefits under the health insurance policy is 45 years. However, this may vary from plan to plan. You should check the exact figures in your policy prospectus.
Inclusions of Maternity Cover in New India Assurance Health Policy
Here is the scope of coverage for maternity and other maternity/pregnancy-related expenses under New India health insurance is as follows:
Get potential medical coverage for yourself and other family members including spouse, parents and dependent
The newborn baby is covered against any illness from the day after his/her birth.
Room rent, nursing charges, surgeon's fees, ICU, hospitalization (in-patient), and so on are covered.
Avail of the treatment expenses up to 20% of the sum insured for AYUSH hospitalization.
OPD expenses are covered twice in a policy year.
Road ambulance and air ambulance in an emergency are covered to transport the patient to medical facilities.
The policy covers HIV/AIDS and STD-related medical issues.
Exclusions of Maternity Cover in New India Assurance Health Policy
Here are some of the standard exclusions of New India Assurance health insurance with maternity coverage:
Treatment of any pre-existing condition/disease (before 36 months)
Any illness during the first 30 days of policy accession
All internal and external benign tumours, cataracts, hernia, diabetes, hypertension, skin disorders, varicose veins, etc
Joint replacement, osteoarthritis and osteoporosis
War, invasion, military/army operations, nuclear weapon/ ionising radiation, and so on
Cosmetic or aesthetic treatment, plastic surgery (except accidental burns or injury)
Eyecare wearables, dental/oral treatment, etc
Congenital internal and external disease or anomalies (except to the extent cover is provided)
STD/AIDS (except to the extent coverage is provided)
Psychiatric and psychosomatic disorde (except to the extent cover is provided)
Weight management/obesity
Unproven/experimental treatment, and
Others, as specified in the terms and conditions of your policy document.
Note: All the inclusions and exclusions related to the New India Assurance health insurance maternity coverage are just a common reflection of the maternity insurance plans. However, these may vary from one plan to the other, depending on which plan have you opted for.
Long Story Short
New India Premier Mediclaim Policy covers the policyholder and their family members against all medical emergencies. Additionally, it provides financial and necessary medical support for maternity-related expenses. Anybody who wants to secure their future and is planning to expand their family can buy the New Indian Assurance health insurance with maternity coverage.
Do you have a query about New India health insurance plans for maternity coverage? Reach out to the maternity insurance experts at PolicyX by giving us a call at 1800 4200 269 and get free consultations for choosing the best maternity plan.
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Air Ambulance available
Critical illness covered
Infertility treatment covered
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Unique Features
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Unique Features
Home care treatment covered
Avail special discounts
Ambulance charges covered
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Unique Features
ICU expenses covered
AYUSH treatment available
Mental illness expenses covered
New India Tertiary Care Insurance
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Unique Features
Domiciliary treatment available
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New India Assurance Maternity: FAQ's
1. Is pregnancy covered in New India Assurance?
Yes. The plan covers incurred maternity expenses for up to 36 months continuously.
2. In how many days can I expect my claim against New India maternity insurance to be settled?
It may take the insurer 3 to 30 business days to resolve your reimbursement or cashless settlement.
3. Which plan of New India Assurance health insurance covers maternity expenses?
New India Premier Mediclaim Policy covers maternity expenses which you can buy to cover your whole family members including your spouse, children and parents.
4. Is a pre-policy medical check-up required to buy this policy?
For the insured members of this policy aged above 50 years, a pre-policy medical check-up is required, but not below that.
5. Does this policy of New India Assurance cover infertility?
Yes. The infertility treatment including out-patient hospitalization covered up to INR 1 Lakh for Plan A and INR 2 Lakhs for Plan B.
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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