Mediclaim Policy
  • Wide Coverage Options
  • Sames rates of premium
  • Key features and Benefits
New India Health Insurance
premium

Network hospitals

3000+

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Incurred claim ratio

103.33%

premium

Sum insured

Up to 1 CR

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No. of Plans

10

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Solvency Ratio

1.8

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Pan India Presence

1900+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3000+

premium

Incurred claim ratio

103.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

10

premium

Solvency Ratio

1.8

premium

Pan India Presence

1900+

New India Mediclaim Policy

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.

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New India Health Insurance

New India Health Insurance

New India Mediclaim Plan Specifications

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.

Choose your New India Mediclaim 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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under New India Mediclaim Policy?

Under New India Mediclaim Policy, the room rent is covered by up to 1% of the SI.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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,

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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.

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

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.

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under New India Mediclaim Policy?

Not available

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under New India Mediclaim Policy?

Not available

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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.

What is Vaccination cover?

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.

What is Co-payment?

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

What is the Sub limit?

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

Choose New India Assurance Health Insurance Plan for

Coverage after Waiting Period

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

Sample Premium Illustration of New India Mediclaim Policy

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.

1 Adult

Sum Insured (in Rs.) 5 Lakhs 8 Lakhs 10 Lakhs 15 Lakhs
Premium Payable 5,691 7,058 7,980 9,837

New India Mediclaim Plan Benefits

Optional Covers

Avail enhanced protection with additional coverage options

Tax Benefits

Get tax relief under section 80D

Discounts

Avail Family and Long-Term Discounts

Optional Covers

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.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

The plan offers a discount of 15% on the premium payable if the Insured person opts for voluntary co-pay of 20%.

Plan Exclusions

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

Explore other New India Health Plans

New India Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

New India Assurance Arogya Sanjeevani Policy

The plan covers you and your family against new age treatments, pre, and post-hospitalization, and hospital room rent charges.

Unique Features

  • Up to 10 Lakh SI
  • Genetic disorders Covered
  • Modern Treatments Covered

New India Jan Arogya Bima Policy

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

  • Service Tax is not applicable
  • Avail cover for dependents
  • Psychological disorders covered

New India Janata Mediclaim Policy

This plan protects all family members with broad health insurance coverage. It covers self, spouse, and a maximum of 2 dependent children.

Unique Features

  • AYUSH treatment covered
  • ICU expenses covered
  • Ambulance charges covered

New India Flexi Floater Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expense covered
  • Room rent covered
  • Medical test expenses covered

New India Flexi Group Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • Avail AYUSH treatment
  • Avail Cataract treatment

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

  • No claim bonus up to 50%
  • Avail New born baby cover
  • Criti-care benefit available

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

  • Critical illness covered
  • AYUSH treatment covered
  • AYUSH treatment covered

New India Standard Group Janata Mediclaim

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • AYUSH treatment covered
  • Cataract treatment covered

New India Standard Group Mediclaim Policy(2007)

Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependant parents.

Unique Features

  • ICU charged covered
  • Artificial life maintainance covered
  • AYUSH treatment covered

New India Universal Health Insurance Scheme

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • Disability cover
  • Psychological treatment covered
  • Artificial life maintainance available

New India Young India Digi Health Policy

Plan coverage is available on an individual and family floater basis with a sum insured of up to 8L.

Unique Features

  • Modern Treatment Available
  • AYUSH treatment available
  • New born baby cover available

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

  • Air Ambulance available
  • Critical illness covered
  • Infertility treatment covered

New India Group Cancer Mediclaim

The plan is specifically designed for lower and middle-class families undergoing Cancer Treatment.

Unique Features

  • Up to 2 Lakh SI
  • Avail Cumulative Bonus
  • Cover dependent children

New India Corona Kavach Policy

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

  • Home care treatment covered
  • Avail special discounts
  • Ambulance charges covered

New India Group Mediclaim for workers

Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependent parents.

Unique Features

  • AYUSH Treatment available
  • Avail ICU expenses
  • Affordable premiums available

A special policy designed for parents with girl children only. Two dependent daughters can be covered with Rs. 8 Lakh sum insured.

Unique Features

  • Avail 50% discount
  • Hospital Cash available
  • Avail AYUSH treatment

This plan is designed to aid financially in treating cancer. The policy offers cover for conventional and advanced cancer treatments.

Unique Features

  • SI up to 50 Lakh
  • Avail cancer care benefit
  • 58 Day care procedures covered

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

  • Avail discounts
  • Medical check up reimbursement
  • Avail Ambulance charges

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

  • SI up to 22L available
  • Avail Cataract treatment
  • AYUSH expenses covered

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • AYUSH treatment available
  • Mental illness expenses covered

New India Tertiary Care Insurance

An individual plan that is specifically designed to cover the treatment of 9 major illnesses.

Unique Features

  • Domiciliary treatment available
  • Ambulance expense covered
  • Avail No claim bonus

New India Medicare Policy: FAQ's

1. Is the New India Mediclaim Policy a good health plan?

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.

2. Is New India Insurance a reliable company for health insurance?

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.

3. What is the grace period for the New India mediclaim policy?

The grace period is 30 days immediately following the premium due date.

4. Does New India Mediclaim cover dental treatment?

No, it is not covered. However, Dental treatment is done if caused due to an Injury.

5. Are daycare procedures covered in New India Mediclaim Policy?

Yes, 139 daycare procedures are covered in New India Mediclaim Policy.

6. Does New India insurance cover Ayurvedic treatment?

Ayurveda and Homeopathy Expenses incurred for Ayurveda and Homeopathy treatment are admissible up to 25% of the sum insured for any one illness.

7. Does the New India Mediclaim Policy offer maternity cover?

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.

8. Is there any no-claim bonus available in Mediclaim Policy?

Yes, the policyholder gets @25% SI for claim free year with Max 50% of SI

9. Does the New India mediclaim policy offer health check-up?

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 .

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Ram Kapoor

Jaipur

September 8, 2021

I would definitely recommend New India Health insurance to everyone. Great customer support team, very helpful.

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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.

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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.

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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

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Manish Singhal

Rajkot

September 1, 2021

Best plans with good service, committed towards their customer, great customer support team. thanks New India

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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.

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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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