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New India Assurance Health Insurance for Maternity
New India Assurance offers maternity cover through its Premier Mediclaim Policy, available in two variants: Plan A and Plan B. Plan A provides maternity expense coverage up to INR 50,000, while Plan B covers up to INR 1 Lakh. This policy typically has a waiting period of 12 to 36 months for maternity benefits.
Beyond maternity benefits, the New India Premier Mediclaim Policy is a comprehensive family floater plan designed to protect the healthcare interests of your entire family. It is suitable for both individuals and families. This page details the policy benefits, features, eligibility criteria, and other important aspects of New India Assurance's maternity health coverage.
Features of New India Assurance Maternity Coverage
Explore the key features of New India Assurance health insurance for maternity:
- The policy offers two variants: Plan A (Sum Insured: INR 15 - 25 Lakhs) and Plan B (Sum Insured: INR 50 Lakhs - 1 Crore). You can choose a plan based on your needs.
- Maternity expenses are covered up to a maximum of INR 50,000 for Plan A and INR 1 Lakh for Plan B.
- The policy allows you to cover your spouse, dependent children, and parents under the same plan.
- Insured members and policyholders below 50 years of age are not required to undergo a pre-policy medical check-up.
- The policy covers major hospitalization charges, including daily hospital cash benefits, consultation charges, ICU, and room rent.
- This plan offers lifelong renewability.
- Receive a hospital cash benefit of INR 2,000 for Plan A and INR 4,000 for Plan B.
- You can avail of a tax exemption against the overall paid premium under Section 80D of the Income Tax Act, 1961.
Eligibility Criteria for Buying New India Assurance Maternity Cover
Review the eligibility criteria, sum insured options, and waiting period for New India Assurance Maternity Cover:
| Category | Details |
|---|---|
| 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 health insurance policies is 45 years. However, this may vary from plan to plan. Always check the exact figures in your policy prospectus.
Inclusions of Maternity Cover in New India Assurance Health Policy
The scope of coverage for maternity and other pregnancy-related expenses under New India health insurance includes:
- Medical coverage for yourself and other family members, including spouse, parents, and dependent children.
- Newborn baby coverage against any illness from the day after birth.
- Room rent, nursing charges, surgeon’s fees, ICU, and in-patient hospitalization.
- Treatment expenses up to 20% of the sum insured for AYUSH hospitalization.
- OPD expenses covered twice in a policy year.
- Road and air ambulance services for emergency patient transport to medical facilities.
- Coverage for HIV/AIDS and STD-related medical issues (to the extent specified).
Exclusions of Maternity Cover in New India Assurance Health Policy
Here are some standard exclusions of New India Assurance health insurance with maternity coverage:
- Pre-existing conditions (covered after a 36-month waiting period).
- Any illness during the first 30 days of policy inception.
- Internal and external benign tumors, cataracts, hernia, diabetes, hypertension, skin disorders, varicose veins.
- Joint replacement, osteoarthritis, and osteoporosis.
- War, invasion, military/army operations, nuclear weapon/ionizing radiation.
- Cosmetic or aesthetic treatment, plastic surgery (except for accidental burns or injury).
- Eyecare wearables, dental/oral treatment.
- Congenital internal and external diseases or anomalies (except to the extent cover is provided).
- STD/AIDS (except to the extent coverage is provided).
- Psychiatric and psychosomatic disorders (except to the extent cover is provided).
- Weight management/obesity.
- Unproven/experimental treatment.
- Other exclusions as specified in the terms and conditions of your policy document.
Note: All inclusions and exclusions related to New India Assurance health insurance maternity coverage are general guidelines. These may vary from one plan to another, depending on the specific plan you have opted for.
Summary
The New India Premier Mediclaim Policy offers comprehensive coverage for policyholders and their family members against various medical emergencies, including financial and medical support for maternity-related expenses. Individuals planning to expand their family can consider New India Assurance health insurance with maternity coverage to secure their future.
For any queries about New India health insurance plans for maternity coverage, contact the maternity insurance experts at PolicyX. Call us at 1800 4200 269 for free consultations and assistance in choosing the best maternity plan.
