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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…
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New India Health Insurance
New India Medicare Policy
New India Assurance Mediclaim Policy, offered by New India Assurance H ...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 · 2,697 reviews
🏥 3,000+ hospitals
📊 1.91 solvency ratio
✅ 90.73% claim settlement
About New India Medicare Policy
A quick read on what this New India Health Insurance plan covers and why it might be a fit for you.
The New India Assurance Mediclaim Policy, offered by New India Assurance Health Insurance Company, is a health plan that covers you and your family against hospitalization expenses. This plan includes up to 6 family members (self, spouse, parents, and children) aged between 18 and 65 years. The policy is valid for one year from its start date.
Sum insured options range from Rs. 1 lakh to Rs. 15 lakhs (1, 2, 3, 4, 5, 8, 10, 12, and 15 lakhs). Other sum insured options (4, 6, 7 lakh bands) are available only for renewals. Insured persons will be covered under a single dedicated Sum Insured.
New India Mediclaim offers a multitude of benefits, including AYUSH treatment, New Born Baby Cover, and organ transplant expenses.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 Year to no age limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹8 L, ₹10 L, ₹12 L, ₹15 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year
*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
- AYUSH Cover
- Modern Treatment
- Health Check-up
Cons
- Illegal Activities
- Alcoholism and Drug Abuse
- Adventure Sports
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 Covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Not 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 not covered under the New India Assurance Mediclaim Policy include:
- Hospitalization due to 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 specific waiting period:
- Listed ailments: 24 Months
- Pre-existing diseases: 48 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: No Limit
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 15 L
Other features & benefits
- Cataract
- Ambulance Cover
- Organ Donor Cover
New India Medicare Policy: FAQs
The 9 most-asked questions about New India Medicare Policy, answered.
Yes, it is a health plan that covers you and your family against any unfortunate hospitalization expenses. This plan includes up to 6 family members (self, spouse, parents, and children) and all the individuals should be aged between 18 years to 65 years.
Yes, it is amongst the oldest insurance providers in the country. New India Insurance offers efficient and comprehensive plans to secure your and your family’s health.
The grace period is 30 days immediately following the premium due date.
No, it is not covered. However, Dental treatment is done if caused due to an Injury.
Yes, 139 daycare procedures are covered in New India Mediclaim Policy.
Ayurveda and Homeopathy Expenses incurred for Ayurveda and Homeopathy treatment are admissible up to 25% of the sum insured for any one illness.
Yes, Maternity cover is available for SI opted equal to or more than 5 Lakh INR. On payment of additional premium, Maternity Expenses up to 10% of the average Sum Insured.
Yes, the policyholder gets @25% SI for claim free year with Max 50% of SI.
Yes, the New India Mediclaim Policy provides Health Check Up for every 3 claim-free years.
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