Network hospitals
3000+
Claim settlement ratio
92.93%
Sum insured
Up to 50 Lakh
No. of Plans
24
Solvency Ratio
1.34
Pan India Presence
2000
Network hospitals
3000+
Claim settlement ratio
92.93%
Sum insured
Up to 50 Lakh
No. of Plans
24
Solvency Ratio
1.34
Pan India Presence
2000
New India Assurance Mediclaim Policy offered by New India Assurance Health Insurance Company 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. This policy is valid for one year from the date of the start of the policy. The sum insured options are Rs. 1, 2, 3, 4, 5,8, 10, 12, and 15 lakhs. There are other options available for renewal (4,6,7 Lakh Sum Insured bands are only available for renewals). Insured persons will be covered under a single dedicated Sum Insured.
New India Mediclaim offers a multitude of benefits like AYUSH treatment, New Born Baby Cover, organ transplant expenses, and more.
Child Entry Age
91 Days to 25 Years
Adult Entry Age
18 years to No age Bar
Plan Type
Individual/Family Floater
Policy Term
1 Year
Initial Waiting Period
30 Days
Sum Insured
1 L | 2 L | 3 L | 4 L | 5 L | 8 L | 10 L| 12 L | 15 L
*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.
With wide coverage options, the Mediclaim plan lets you customize your health insurance plan as per your requirements:
In-patient & Out-patient coverage
Room Rent
1% of SI
ICU Charges
2% of SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
139 procedures available
OPD Charges
Not covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Available
Organ Donor
Covered
Maternity Cover
Available
New Born Baby Cover
Available
Alternative Treatments
AYUSH Treatment
25% of SI
IVF Treatment
Not Available
Modern Treatment
Available
Emergency Coverage
Ambulance
1% of SI
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Limitations
Co-payment
Applicable, voluntarily
Sub-limits
Not Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Coverage status under New India Mediclaim Policy?
Under New India Mediclaim Policy, the room rent is covered by up to 1% of the SI.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under New India Mediclaim Policy?
Under this plan, ICU charges coverage is available up to 2% of the SI.
Under this plan, ICU charges coverage is available up to 2% of the SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under New India Mediclaim Policy?
This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under New India Mediclaim Policy?
This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under New India Mediclaim Policy?
Under New India Mediclaim Policy, domiciliary hospitalizations are not available.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under New India Mediclaim Policy?
This plan covers expenses of 139 daycare procedures
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under New India Mediclaim Policy?
Not covered under the plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under New India Mediclaim Policy?
COVID-19 treatment cover is not available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under New India Mediclaim Policy?
Under this plan, you get covered for cataract treatment for Up to 20% of the Sum Insured or Rs. 50,000,
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under New India Mediclaim Policy?
The plan offers 5% SI for claim free year with Max 50% of SI.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under New India Mediclaim Policy?
The plan does not offer automatic restoration
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under New India Mediclaim Policy?
The Daily hospital cash is available up to 1% Sum Insured.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under New India Mediclaim Policy?
Under the plan, Organ Donor Hospitalisation Expenses are covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under New India Mediclaim Policy?
The maternity cover available under this plan offers Up to 10% of SI subject in case of Sum Insured is more than or equal to Rs. 5 lakhs.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Coverage status under New India Mediclaim Policy?
A New Born Baby is covered for any Illness or Injury from the date of birth till the expiry of this Policy, within the terms of this Policy.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under New India Mediclaim Policy?
AYUSH treatment is covered up to 25% of the Sum Insured.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under New India Mediclaim Policy?
Not available
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under New India Mediclaim Policy?
Modern Treatment is covered for specific conditions maximum up to 50% of SI.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under New India Mediclaim Policy?
This plan covers Ambulance charges up to 1% of SI.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under New India Mediclaim Policy?
Not covered
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under New India Mediclaim Policy?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under New India Mediclaim Policy?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under New India Mediclaim Policy?
The plan does not cover the expenses for e-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under New India Mediclaim Policy?
The plan offers a Health Check-up benefit for every 3 claim free years.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under New India Mediclaim Policy?
The plan does not cover expenses for Second Medical Opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under New India Mediclaim Policy?
The plan does not offer vaccination coverage to a newborn baby.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under National Mediclaim Policy?
If opted, co-pay of 20%, a discount of 15% shall be given on the premium payable for the Insured Person
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under National Mediclaim Policy?
No sub-limits are available
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 48 Months
To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums for different family sizes.
Sum Insured (in Rs.) | 5 Lakhs | 8 Lakhs | 10 Lakhs | 15 Lakhs |
Premium Payable | 5,691 | 7,058 | 7,980 | 9,837 |
Optional Covers
Avail enhanced protection with additional coverage options
Tax Benefits
Get tax relief under section 80D
Discounts
Avail Family and Long-Term Discounts
The plan offers several optional covers that allow you to get enhanced coverage and help you to customize your plan as per your needs and requirements.
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
The plan offers a discount of 15% on the premium payable if the Insured person opts for voluntary co-pay of 20%.
Permanent Exclusions | Coverage after Waiting Period
Permanent Exclusions
Permanent diseases or health conditions that are not included under Activ Assure Diamond 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
New India Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
The plan covers you and your family against new age treatments, pre, and post-hospitalization, and hospital room rent charges.
Unique Features
This policy is designed to provide cheap medical insurance to poorer sections of society with a sum insured per person of Rs. 5000.
Unique Features
This plan protects all family members with broad health insurance coverage. It covers self, spouse, and a maximum of 2 dependent children.
Unique Features
The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.
Unique Features
The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.
Unique Features
The policy comes with a SI of 2-15 lakhs with a single sum assured for all the members on a floater basis.
Unique Features
A family policy where the proposer can avail Sum Insured from Rs. 1,2, 3, 5, 8, 10, 12 and 15 Lakhs. Children can be covered under the policy from 3 months to 25 years.
Unique Features
The plan comes in 2 different variants offering a sum assured up to 1 Cr. The policyholder can cover his/her entire family under one policy.
Unique Features
The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.
Unique Features
Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependant parents.
Unique Features
The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.
Unique Features
Plan coverage is available on an individual and family floater basis with a sum insured of up to 8L.
Unique Features
This plan offers the policyholder sum insured of up to 50L. New India Yuva Bharat Policy is available in base, gold, and platinum variants.
Unique Features
The plan is specifically designed for lower and middle-class families undergoing Cancer Treatment.
Unique Features
This plan covers hospitalization expenses if the insured is diagnosed with COVID-19. It is available on an individual and floater basis with a maximum sum of INR 5 lakh.
Unique Features
Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependent parents.
Unique Features
A special policy designed for parents with girl children only. Two dependent daughters can be covered with Rs. 8 Lakh sum insured.
Unique Features
This plan is designed to aid financially in treating cancer. The policy offers cover for conventional and advanced cancer treatments.
Unique Features
A plan designed for individuals between 60-80 years of age and offers 5% discount for single women senior citizen's. Gives sum insured up to 5 Lakhs.
Unique Features
New India TOP-UP Mediclaim policy covers hospitalization expenses once your policy crosses it’s threshold limit. It can cover up to 6 family members.
Unique Features
The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.
Unique Features
An individual plan that is specifically designed to cover the treatment of 9 major illnesses.
Unique Features
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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Nishant
Lukhnow
December 9, 2022
Omg when i was buying the policies I was o skeptical. I contacted policyx and they solved my confusions and even helped in my documentations.. They are the best .
Ram Kapoor
Jaipur
September 8, 2021
I would definitely recommend New India Health insurance to everyone. Great customer support team, very helpful.
Lovlina chaurasiya
Allahabad
September 8, 2021
One of the best health insurance company. Impressed with the service and the support. Keep up the good work guys.
Nikita Dua
Jaipur
September 8, 2021
The company is offering very good plans at affordable prices, and the claim settlement process is very hassle free and quick.
Bharti sharma
Lukhnow
September 8, 2021
I really like the customer support department of the company very much, the staff is very polite and very helpful
Manish Singhal
Rajkot
September 1, 2021
Best plans with good service, committed towards their customer, great customer support team. thanks New India
Akash Sharma
Ahmedabad
September 1, 2021
Plans bahut ache hai is company ke.. bahut achi service hai aur apke customers ke claims bhi jaldi settle karti hai.
Karishma Sehgal
Hyderabad
August 31, 2021
Bought health policy from New India Health for the first time and I am very impressed by their services and I personally suggest to take the policy from New Health Assurance
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