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New India Health Insurance
New India Senior Citizen Mediclaim Policy
New India Assurance Senior Citizen Mediclaim Policy is a comprehensive ...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 · 2,699 reviews
🏥 3,000+ hospitals
📊 1.91 solvency ratio
✅ 90.73% claim settlement
About New India Senior Citizen Mediclaim Policy
A quick read on what this New India Health Insurance plan covers and why it might be a fit for you.
New India Assurance Senior Citizen Mediclaim Policy is a comprehensive plan that provides many benefits such as medical cover, cashless hospitalization, and coverage for numerous illnesses. With a claim settlement ratio of 90.73%, this policy covers almost every possible health issue that a person above the age of 60 can struggle with.
New India Assurance Senior Citizen Mediclaim Policy comes with an easy claim process and renewals, making the plan absolutely compatible with senior citizens. New India Health Insurance for senior citizens covers pre-existing illnesses such as diabetes mellitus and hypertension with an additional premium payment.
New India Senior Citizen Mediclaim Policy offers a satisfactory range of sum insured options from ₹1 Lakh to ₹1.5 Lakh, with an entry age of 60 to 80 years. Policyholders can provide coverage for themselves along with their spouse under New India Assurance Senior Citizen Mediclaim Policy.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
60 to 80 Years
Plan type
Senior Citizen Health Insurance
Sum insured options
₹1 L, ₹1 L
Waiting period
30 days
Renewability
N/A
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
- Room Rent Cover
- ICU Cover
- Hospital Cover
Cons
- Involvement in 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 Not 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 Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not 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 Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits 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 Assurance Senior Citizen Mediclaim Policy Benefits
New India Assurance Health Insurance for Senior Citizen Plan has multiple advantages that policyholders can avail after purchase.
-
Tax Benefits
The amount paid towards the premium of this plan is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
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Organ Donor Benefit
With the New India Assurance Senior Citizen Mediclaim Policy, policyholders get hospitalization expenses (excluding the cost of the organ) incurred on the donor during the course of an organ transplant to the insured.
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Discounts
New India Assurance Senior Citizen Mediclaim Policy offers multiple discount options to its policyholders, such as a 10% discount for a voluntary excess of ₹10,000 and a 10% Family Discount if the spouse is also covered.
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AYUSH Benefit
Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissible up to 25% of the sum insured, provided the treatment is for an illness or injury.
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Additional Benefits
The policy provides additional coverage for ambulance services, subject to a maximum of ₹1,000.
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
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Listed ailments after 18/36 Months
- Pre-existing diseases after 18 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 60 Years
- Max entry age: 80 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1.5 L
Other features & benefits
- Hysterectomy
- Cataract Cover
- AYUSH Cover
New India Senior Citizen Mediclaim Policy: FAQs
The 5 most-asked questions about New India Senior Citizen Mediclaim Policy, answered.
Yes, you will get AYUSH cover under the New India Assurance Senior Citizen Mediclaim Policy.
Yes, you can.
The sum insured for the plan is INR 1 - 1.5 L
The policy tenure is 1 year.
New India Senior Citizen Health policy eligibility age is between 60 to 80 years.
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