New India Assurance Sr. Citizen Mediclaim Policy
  • AYUSH Treatment Covered
  • 90% Co-payment
  • Organ Donor Benefit
New India Health Insurance
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

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Pan India Presence

1900+

Customized Health Insurance Plan for you.

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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 Assurance Senior Citizen Mediclaim Policy

New India Assurance Senior Citizen Mediclaim Policy is a comprehensive plan which provides many benefits such as medical cover, cashless hospitalization, and coverage for numerous illnesses. With a claim settlement of 97%, 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 the senior citizens. New India Assurance 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 INR with an age gap of 60 to 80 years. Policyholders can provide coverage for themselves along with their spouse under New India Assurance Senior Citizen Mediclaim Policy

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New India Assurance Senior Citizen Mediclaim Policy Specifications

Child Entry Age

Minimum:60 years
Maximum: 80 years

Maximum Members

2

Plan Type

Individual/Family

Policy Term

1 Year

Initial Waiting Period

2 years*

Sum Insured

1 L | 1.5 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.

Read more specifications in the brochure.

Choose your New India Assurance Senior Citizen Mediclaim Policy

With New India Assurance Senior Citizen Mediclaim Policy you can choose your own coverage and customize your health insurance plan as per your unique needs:

SI Options : 1 L - 1.5 L

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Covered

No Claim Bonus

Applicable

Automatic Restoration

Not Applicable

Daily Hospital Cash

Available

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Covered up to 25% of SI

IVF Treatment

Not Available

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

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

Available

Limitations

Co-payment

90% of the admissible claim amount

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 Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy, the room rent is covered up to 1% of Sum Insured per day with an overall limit of 25% of the Sum Insured.

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 Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy, ICU charges are covered up to 2% of the sum insured per day. Overall limit is 25% of the Sum Insured.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy medical expenses incurred during pre-hospitalization are covered for up to 30 days, subject to maximum 5% of hospital bill.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy medical expenses incurred during pre-hospitalization are covered for up to 60 days subject to a maximum of 10% of hospital bills.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the 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 Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy, domiciliary hospitalization is covered up to SI.

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 Assurance Senior Citizen Mediclaim Policy?

New India Assurance Senior Citizen Mediclaim Policy does not cover the expenses of daycare treatment up to SI. Treatment normally taken on an out-patient basis.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

New India Assurance Senior Citizen Mediclaim Policy does not cover OPD charges.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

COVID-19 treatment is not covered by New India Assurance Senior Citizen Mediclaim Policy.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

New India Assurance Senior Citizen Mediclaim Policy does cover cataract treatment.

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 Assurance Senior Citizen Mediclaim Policy?

The cumulative Bonus is available under New India Assurance Senior Citizen Mediclaim Policy.The Sum Insured under Policy shall be increased by 5% at each renewal in respect of each claim free year of insurance, subject to maximum of 30%..It will be lost if policy is not renewed before or within 30 days from the date of expiry

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 Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy, automatic restoration is not available up to base SI. It can be renewed on mutual consent .

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 Assurance Senior Citizen Mediclaim Policy?

The daily hospital cash is available under New India Assurance Senior Citizen Mediclaim Policy as an add-on benefit

Up to 1% of Sum Insured per day

Overall limit: 25% of the 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 Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy, organ donor hospitalization expenses are covered up to SI

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

Under the New India Assurance Senior Citizen Mediclaim Policy, maternity expenses are not covered.

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 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 Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy, the newborn baby cover is not available

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 Assurance Senior Citizen Mediclaim Policy?

Covered Under New India Assurance Senior Citizen Mediclaim Policy up to 25 % of SI.

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 Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy IVF treatment is not covered.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy,modern treatments are not covered.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy, Ambulance expenses are covered up to 10000 of the 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 Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy,, Air Ambulance is not covered .

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy,compassionate plan is not covered.

What is Global Coverage?

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

Coverage status underNew India Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy, Global coverage is 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 Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy,e-consultation is not covered .

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy, a health checkup is covered for each Insured individual.

  • The reimbursement shall not exceed 1% of average sum insured, excluding cumulative bonus, for preceding four years.
  • Beyond 30 days could be condoned by the Company subject to medical examination and exclusion of Illness/Injury originating or suffered during the break in the period of cover.
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 Assurance Senior Citizen Mediclaim Policy?

Under the New India Assurance Senior Citizen Mediclaim Policy second medical opinion is not covered.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under New India Assurance Senior Citizen Mediclaim Policy?

Under New India Assurance Senior Citizen Mediclaim Policy ,.Anti-Rabies Vaccination expenses is covered

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 New India Assurance Senior Citizen Mediclaim Policy?

It is Applicable under New India Assurance Senior Citizen Mediclaim PolicyIn all the claims Company’s liability will be:

  • Sum Insured
  • 90% of the admissible claim amount.

Whichever is less.

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 New India Assurance Senior Citizen Mediclaim Policy?

Not Applicable under New India Assurance Senior Citizen Mediclaim Policy.

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New India Assurance Senior Citizen Mediclaim Policy Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under New India Assurance Senior Citizen Mediclaim policy are:

Hospitalization out of war, nuclear weapons, riots, and strikes.

Ailments like diabetes, diabetes mellitus hypertension that are pre-existing, are covered after 18 months of constant insurance and with an additional premium cost.

Intentional self-injury

Any type of disease or illness diagnosed within 30 days from the policy issuance date

Pre-existing diseases are covered on completion of 18 months of ongoing insurance.

Cost of cosmetic surgeries apart from accidental cases.

Treatment for STDs and HIV.

Congenital disease.

All types of dental treatment.

Vaccination & Inoculation.

Cost of braces, equipment or external prosthetic devices, non-durable implants, eyeglasses, Cost of spectacles and contact lenses, hearing aids.

Coverage After Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 18 months

Listed Illness 18 months

Other Specific Illness 48 Months

Sample Premium Illustration of New India Assurance Senior Citizen Mediclaim Policy

To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.

New India Senior Citizen Mediclaim Policy

Sum Insured 60-65 66-70 71-75 76-80 81-85 86 and above
100000 3850 4250 4700 5150 5665 6180
150000 5720 6310 6980 7650 8415 9180

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 the purchase.

Tax Benefits

Get tax relief under section 80D

Organ Donor Benefit

Organ Donor gets hospital expenses

Discounts

Multiple discount options

AYUSH Benefit

Avail up to 25% of the Sum Insured

Additional Benefits

Ambulance coverage

Tax Benefits

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

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 organ transplant to the insured.

Discounts

New India Assurance Senior Citizen Mediclaim policy offers multiple discount options to its policyholders such as a 10% for voluntary excess of Rs. 10,000/- and a 10% Family Discount in case the spouse is also covered.

AYUSH Benefit

Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissible up to 25% of the sum insured provided the treatment for Illness or Injury.

Additional Benefits

The policy provides additional coverage for ambulance, subject to a maximum of Rs.1000/-

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

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

  • Organ transplant covered
  • 139 day care procedures available
  • New born baby cover 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

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

Read Reviews & Ratings

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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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