Network hospitals
3000+
Incurred claim ratio
90.73%
Sum insured
Up to 2 Crore
No. of Plans
1
Solvency Ratio
1.8
Pan India Presence
1800+
New India Assurance Personal Accident Policy is a simple health insurance plan that provides compensation in case the insured is deceased or disabled resulting from an accident. The policy operates 24/7 worldwide, offering various coverage options including death, permanent disability, and temporary total liabilities. It also offers a family package cover, group cover, war risk coverage, and optional add-on covers. In this article, we will explore key features and exclusions of the policy.
| Eligibility Criteria | Details |
| Age of Insured | Min: 5 Years Max: 70 Years |
| Type of Coverage | Death Permanent Total Disability Permanent Partial Disability Temporary Total Disablement |
| Coverage Extension | Worldwide Coverage |
| Family Package Cover | Includes proposer, spouse, and dependent children. |
| Discounts | 10% Discount on Premium Discount On premium based on group size |
| Group Policies | Available for specific groups |
| Add-on Covers | Medical Expenses Cover |
| Claim Eligibility | Accident that results in death or any injury. |
| Sum Insured Calculation | Based on income from gainful Employment (max 72 months) Non-Working Spouse: 50% of earning spouses' sum insured (Max is INR 1,00,000) Dependent Child: 25% of earning parents |
| Cumulative Bous | 5% increase in sum insured for a claim-free year (max up to 50%) |
Here are the scenarios for selecting the right sum insured for this plan:
After keeping all these scenarios in mind the customer must select their coverage.
The policy doesn't cover the following conditions:
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.
The policy offers the following benefits:
The Personal Accident Policy provides valuable coverage for individual and their families in the event of an accident resulting in death or injury. The plan offers many benefits such as education of the dependent children, and funeral expenses. Personal protection is also a group and family policy that offers rebates based on the members. It is important to read all terms and conditions before buying the policy.
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Bindiya is a seasoned content writer specializing in keeping readers acquainted with the insurance industry, term insurance developments, and life insurance sector shifts. With an experience of 3 years in insurance, Bindiya ensures that her readers stay well informed with the insurance developments and factually correct information.
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