Mediclaim Policy
  • Wide Coverage Options
  • Sames rates of premium
  • Key features and Benefits

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New India Mediclaim Policy

New India Assurance Mediclaim Policy offered by New India Assurance Health Insurance Company is a comprehensive 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. With the wide sum insured options such as Rs. 1, 2, 3, 4, 5,8, 10, 12, and 15 lakhs, this plan is considered as an ideal policy.

Key Features and Benefits of New India Mediclaim Policy

With the availability of a number of health insurance plans in the market, selecting an appropriate and suitable health insurance plan is quite a difficult task. Sometimes you end up selecting an insurance plan that doesn't meet your complete requirements due to a lack of awareness. New India Assurance Mediclaim policy offers comprehensive coverage at affordable premiums with flexible payment options. Let's discuss the benefits in detail which are designed to help you lead a financially healthy and secured life.

  1. Sum insured

    Wide sum insured options are available under the plan such as Rs. 1, 2, 3, 4, 5,8, 10, 12, and 15 lakhs.

  2. Hospitalization Expenses

    The plan offers the coverage of all the medical bills for hospitalization caused due to illness/ injury. The hospitalization should be more than 24 hours. It also involves the following:

    • Room rent charges, Nursing, and boarding expenses not exceeding 1% of the sum insured per day.
    • ICU/ICCU charges - These expenses are also covered under this plan but not exceeding 2% of the sum insured per day.
  3. Pre hospitalization

    The expenses incurred for 30 days before the date of hospitalization

  4. Post hospitalization

    It covers the expenses of up to 60 days after the date of discharge from the hospital.

  5. Hospital cash benefit

    This provides a lump sum amount daily in case of hospitalization (more than 24 hours) and this amount can be used as per the insurer's requirements. The cash will be paid at the rate of 0.1% per day. Individuals are eligible for this benefit when the sum insured is more than or equal to Rs. 3 lakhs.

  6. Preventive Health Check-up

    This plan offers the reimbursement of the cost of health check-ups to the policyholder after every 3 claim-free years that shall be subjected to Rs. 5,000 or 1% of the average sum insured.

  7. Cataract

    This plan covers the expenses incurred on Cataract treatment that shall not exceed 20% of the sum insured subject to a maximum of Rs. 50,000.

    Sum Insured Revised Limit of Cataract Treatment
    Rs 8 Lakhs Rs. 80,000
    Rs. 10 Lakhs Rs. 1,00,000
    Rs. 12 Lakhs Rs. 1,20,000
    Rs. 15 Lakhs Rs. 1,50,000

    **Last Updated on May, 2021

  8. AYUSH

    The Ayurvedic, Homeopathic, Siddha, and Unani treatments are also covered under this plan up to 25% of the sum insured.

  9. Congenital External and Internal Diseases

    In the case of Congenital External, the plan offers coverage up to the sum insured amount whereas, in the case of internal diseases, coverage up to 10% of the sum insured is applied.

  10. Pay-out Basis

    There are two types of pay-out: Cashless/Reimbursement claims, and hospital cash benefit.

  11. Renewal Benefits

    After every 3 claim-free years, the covered members are eligible for a health check-up. The expenses incurred on health check-ups shall be reimbursed to the policyholder.

    • The sum insured under this plan shall be increased by 25% at each renewal in terms of each claim-free year.

Waiting Period

Treatment of any pre-existing illnesses/diseases until 48 months of continuous coverage of such policyholders has elapsed.

Any illness/disease contracted by the policyholder during the 30 days of the starting of this policy.

Unless the policyholder has coverage in excess of 24 months, expenses incurred on treatment for the following illnesses are not payable under this plan:

  • Hernia (All types)
  • Gout and Rheumatism
  • Cataract and other age-related eye diseases
  • Arthritis
  • Benign ear, nose, throat disorders
  • Benign prostate hypertrophy
  • Renal Failure
  • Piles, Fissures
  • Hydrocele
  • Varicose veins and ulcers
  • Skin disorders
  • Cysts, polyps, and benign breast lumps
  • Treatment for Menorrhagia

Unless the policyholder has coverage in excess of 48 months, expenses incurred on treatment for the following illnesses are not payable under this plan:

  • Joint Replacement
  • Age-related osteoporosis and osteoarthritis

Sample Premium Rates of New India Health Mediclaim Policy

Here, the table illustrates the premium payable by individuals for Sum Insured Rs. 5 Lakhs at different ages.

Age (in years) Premium (in Rs.)
<35 5,691
36-45 6,034
46-50 10,009
51-55 15,139
56-60 19,902
61-65 26,505
>65 37,478

**Last Updated on May, 2021

Premiums of New India Mediclaim Plan at different ages

Premiums of New India Mediclaim Plan at different ages

The premiums for health insurance are increasing with age due to the rise in health problems, medical expenses, treatment costs, medical history, and any addiction, the insurer. There are other factors as well that play an important role in the calculation of premiums which are pre-existing diseases/illnesses, gender, profession, etc.

Now, let's see the premium illustration of the New India Mediclaim Policy at different ages and different sum insured options.

Age (in years) SI -2 Lakhs SI -4 Lakhs SI -6 lakhs SI - 8 Lakhs SI -12 Lakhs SI - 15 Lakhs
<35 3,863 4,892 6,147 7,058 8,676 9,837
36-45 4,093 5,185 6,518 7,487 9,204 10,437
46-50 6,749 8,609 10,807 12,403 15,236 17,267
51-55 10,179 13,031 16,342 18,747 23,015 26,078
56-60 13,350 17,168 21,461 24,581 30,116 34,088

**Last Updated on May, 2021

Premiums of New India Mediclaim Plan at different ages and sum insured options

Premiums of New India Mediclaim Plan at different ages and sum insured options

What Are The Exclusions Of the New India Health Mediclaim Policy?

Mentioned below are conditions/treatments that aren't generally covered under health plans offered by New India.

  • Injury due to war, invasion, or participation in hazardous activities
  • Cost of dentures, spectacles, and hearing aids (unless specified)
  • Cosmetic treatments
  • Suicide or self-inflicted injuries
  • Bodily injuries due to wilful or intentional exposure to dangerous items
  • Naturopathy or Sidha Treatments
  • Maternity Expenses except for abdominal operation
  • Expenses on vitamins and tonics unless it is a part of treatment for injury or illness or certified by a Medical practitioner.

Cancellation of New India Health Mediclaim Policy

In case, if the policyholder is not satisfied with the policy's terms and conditions or wishes to cancel the policy, then the company allows the refund of a certain amount of premium at the company's short period rate only up to the date of cancellation.

When the company wants to cancel the policy of an insured person on the grounds of misrepresentation, fraud, or non-disclosure of the information. The company is required to send a 15 days notice period at the policyholder's last address.

How To Buy New India Mediclaim Policy?

New India has designed a simple buying process to avail of its health insurance plans. Let's take a look.

  • Go to the official website of the New India Assurance.
  • Click on the 'Get Quote'
  • Select the 'Health Insurance' tab, choose the plan, and click on 'Buy Online'
  • Fill in all your details and make the online payment.
  • Once done, the policy plan will be sent to your registered email ID.

You also have the option to reach out to the nearest New India branch to purchase health insurance. In case none of them works for you, reach out (1800-4200-269) to the experts of

How to Renew New India Mediclaim Policy?

There is a simple process to renew New India Health Insurance Policy. Let's have a look at it.

  • Go to the official website of the New India Assurance.
  • On the top, click on the 'Quick Help', and then select 'Quick Renewal'
  • Enter the Policy Number and the Customer ID
  • Make the premium payment
  • The policy document will be mailed to your registered email address.

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Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (13 Total Rating)

May 31, 2021

Rajrani Bhaduria


I thank policyx i get good company policy. New India is good company with good services and solve issues quickly

May 31, 2021

Kishan Lal


I bought this plan for my sister and she is happy with the policy. Company offers various benefits that is why i suggested her to go for this plan

May 31, 2021

Reetika Gupta


Company is good. I bought this a year ago, and i am happy with this plan. Good going company. Keep up the good work

April 21, 2018



I choose New India Health Insurance because, they are having the lot of tie up with the hospital and the good customer service.

May 31, 2021

Raja Chaudhary


I purchased this policy because of the claim ratio. And my sister also told me that they reimburses the claim quickly.

Last updated on May, 2021

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