New India Premier Mediclaim Policy
  • High Sum Insured
  • AYUSH Treatment Available
  • Maternity Cover
New India Health Insurance
premium

Network hospitals

3000+

premium

Claim settlement ratio

92.93%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

24

premium

Solvency Ratio

1.34

premium

Pan India Presence

2000

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

Claim settlement ratio

92.93%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

24

premium

Solvency Ratio

1.34

premium

Pan India Presence

2000

New India premier mediclaim policy

New India Premier Mediclaim Policy is a versatile health insurance policy that can cover up to 6 members of your family under a single policy. New India Premier Mediclaim Policy can be purchased by individuals between the age of 18 years and 65 years. Dependent children are covered between the age of 3 months and 18 years provided one or both parents are covered by the policy. Moreover, children between 18 years to 25 years can be covered if they are financially dependent on their parents.

The New India Premier Mediclaim Policy is divided into two basic coverage options namely Plan A and Plan B. Plan A offers sum insured options of 15 L and 25 L whereas option B offers sum insured options of 50 L and 1 Cr. The New India Premier Mediclaim Policy offers extensive coverage such as room rent, ICU, hospital cash benefit, critical care benefit, AYUSH Treatment, ambulance charges, maternity and child care benefit, and more.

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New India Premier Mediclaim Policy Eligibility Criteria

Child Entry Age

3 Months to 18 years

Adult Entry Age

18 Years to 65 years

Plan Type

Individual/Family Floater

Policy Term

1 Year

Initial Waiting Period

30 days

Sum Insured

15 L | 25 L | 50 L | 1 Cr

*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 Premier Mediclaim Policy

You can select the sum insured options available under New India Premier Mediclaim Policy as per your requirements and needs

SI OPTIONS: Plan A

In-patient & Out-patient Coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 90 days

Domiciliary Hospitalization

Not covered

Daycare Treatment

Covered

OPD Charges

Covered up to Rs. 5,000

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Covered up to Rs. 75,000

No Claim Bonus

Not Applicable

Automatic Restoration

Not Applicable

Daily Hospital Cash

Rs. 2,000 per day

Organ Donor

Rs. 2,00,000

Maternity Cover

Rs. 50,000

New Born Baby Cover

Covered up to 10% of SI

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Available

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered Up to Rs. 10,000

Air Ambulance

Covered Up to Rs. 1,00,000

Compassionate Travel

Not Available

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Rs. 5,000

Second Medical Opinion

Rs. 5,000

Vaccination

Not Covered

Limitations

Co-payment

Not Applicable

Sub-limits

Available

What is Room Rent?

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 Premier Medical Policy?

Under New India Premier Medical Policy Plan, the room rent is covered up to actuals.

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 Premier Medical Policy?

Under the New India Premier Medical Policy Plan, ICU charges are covered up to actuals.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under New India Premier Medical Policy?

Under the New India Premier Medical Policy medical expenses incurred during pre-hospitalization are covered up to 60 days.

What is Post Hospitalization?

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

Coverage status under New India Premier Medical Policy?

Under New India Premier Medical Policy Plan, medical expenses incurred during post-hospitalization are covered for up to 90 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 the financial coverage.

Coverage status under New India Premier Medical Policy?

Under New India Premier Medical Policy, domiciliary hospitalization is not covered.

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 Premier Medical Policy?

Under the New India Premier Medical Policy daycare procedures are covered.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under New India Premier Medical Policy?

New India Premier Medical Policy does cover OPD expenses

  • Plan A - Covered up to Rs. 5,000
  • Covered up to Rs. 10,000

What is COVID-19 Treatment?

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

Coverage status under New India Premier Medical Policy?

COVID-19 treatment is not covered by New India Premier Medical Policy.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under New India Premier Medical Policy?

New India Premier Medical Policy covers Cataract Treatment

  • Covered up to Rs. 75,000 for Plan A
  • Covered up to Rs. 1,00,000 for Plan B.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under New India Premier Medical Policy?

The no-claim Bonus is not available under New India Premier Medical Policy.

What is Automatic Restoration?

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under New India Premier Medical Policy?

Under the New India Premier Medical Policy, automatic restoration is not available.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under New India Premier Medical Policy?

The daily hospital cash is available under New India Premier Medical Policy

  • Rs. 2,000 per day for Plan A
  • Rs. 4,000 per day for Plan B

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under New India Premier Medical Policy?

Under New India Premier Medical Policy, Organ Donor hospitalization expenses are covered under Critical Care Benefit

  • Rs. 2,00,000 for Plan A
  • Rs. 5,00,000 for Plan B

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 Premier Medical Policy?

Under the New India Premier Medical Policy, maternity expenses are covered up to

  • Rs. 50,000 for Plan A
  • Rs. 1,00,000 for Plan B

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 new born cover and these common treatments can vary from plan to plan:

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

Coverage status under New India Premier Medical Policy?

Under New India Premier Medical Policy the newborn baby cover is available for 10% of the Sum Insured.

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 Premier Medical Policy?

AYUSH Treatment is Covered up to 20% of SI Under New India Premier Medical Policy.

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 Premier Medical Policy?

Under the New India Premier Medical 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 Premier Medical Policy?

Under the New India Premier Medical Policy, different Modern Treatments are covered at different sub-limits.

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 Premier Medical Policy?

Under New India Premier Medical Policy Plan, Ambulance expenses are covered up to INR 10,000.

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 Premier Medical Policy?

Under New India Premier Medical Policy Plan, Air Ambulance cover is available up to INR 1,00,000.

What is Compassionate Travel?

Refers to the traveling expenses of a Farmer member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under New India Premier Medical Policy?

Under the New India Premier Medical Policy, compassionate travel is not covered.

What is Global Coverage?

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

Coverage status under New India Premier Medical Policy?

Under the New India Premier Medical 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 Premier Medical Policy?

Under New India Premier Medical Policy, e-consultation is not covered.

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 Premier Medical Policy?

Under New India Premier Medical Policy, a health checkup is covered

  • Rs. 5,000 for Plan A
  • Rs. 10,000 for Plan B

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 Premier Medical Policy?

Under the New India Premier Medical Policy second medical opinion is covered for major surgeries

  • Rs.5,000 for Plan A
  • Rs. 8,000 for Plan B

What is Vaccination cover?

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

Coverage status under New India Premier Medical Policy?

Under the New India Premier Medical Policy Plan, vaccination expenses are not 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 Premier Medical Policy?

Under New India Premier Medical Policy, Co-payment is applicable.

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 pay by the policyholder.

Status under New India Premier Medical Policy?

Applicable under New India Premier Medical Policy.

Other Health Insurance Companies

Choose New India Assurance Health Insurance Plan for

New India Premier Mediclaim Policy Exclusions

Permanent diseases or health conditions that are not included under New India Premier Mediclaim Policy:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and abortion,

Congenital disease,

Infertility and in vitro fertilization

Waiting Periods

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

Listed ailments after 24 and 36 months

Pre-existing diseases after 48 months

New India Premier Mediclaim Policy Benefits

New India Premier Mediclaim Policy is a one-of-a-kind policy that offers a variety of coverage options at low premiums. Some of the policy benefits provided by the New India Premier Mediclaim Policy are listed below.

Find the details below:

Various Plan Options

Avail Various Plan Variants

Tax Benefits

Get tax relief under section 80D

Critical Care Benefit

Coverage for Critical Illnesses

OPD Treatments

Avail OPD Cover

New India Baby Cover

Cover for New Borns

Various Plan Options

New India Premier Mediclaim Policy is available in 2 different plan options and helps people select a plan variant suitable according to their requirements. Plan A offering sum insured of 15 lakh and 25 lakhs. The other plan variant is Plan B offering a sum insured of 50 Lakh and 1 Cr respectively.

Tax Benefits

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

Critical Care Benefit

Insurance holders can avail of the critical care benefit under the New India Premier Mediclaim Policy which covers 10+ critical illnesses. The plan provides up to Rs. 2,00,000 for Plan A and Rs. 5,00,000 for Plan B as an additional benefit.

OPD Treatments

Individuals covered under this policy can avail of OPD treatment cover for health check-ups, dental treatment, consultation, and medicines after the block of every two continuous Claim free years. Insurance holders are entitled to OPD coverage of Rs. 5,000 for Plan A and Rs. 10,000 for Plan B respectively.

New India Baby Cover

Under New India Premier Mediclaim Policy a newborn baby is covered for any Illness or Injury from the date of birth without any additional premium.

New India Premier Mediclaim Policy Premium Illustration

To understand the premium payment structure for New India premier mediclaim policy refer to the information given below :

Primary Member

Sum Insured (in Rs.) 15 Lakhs 25 Lakhs 50 Lakhs 1 Cr
Premium Payable (in Rs.) 16,171 20,396 35,464 46,154

Secondary Member

Sum Insured (in Rs.) 15 Lakhs 25 Lakhs 50 Lakhs 1 Cr
Premium Payable (in Rs.) 12,025 15,166 26,370 34,320

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

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 Premier Mediclaim Policy:FAQs

1. What is the policy term of New India Premier Mediclaim Policy?

The policy term of the New India Premier Mediclaim Policy is 1 year from the date of commencement. The premium paid for the policy is payable at the time of purchase.

2. What are the eligibility criteria for the New India Premier Mediclaim Policy?

The eligibility criteria for the New India Premier Mediclaim Policy is 18 years to 65 years for adults and 3 months to 18 years or 25 years for children. Children up to 25 years of age are covered only if they are financially dependent on the insured life.

3. What is the upper age limit for renewal of New India Premier Mediclaim policy?

Individuals need not worry about any upper age limit for renewal of their policy. New India Premier Mediclaim policy can be renewed until the policyholder pays the renewal premium before the expiry date of the policy.

4. What is the waiting period before the insurance holder makes any claim under the New India Premier Mediclaim Policy?

When individuals invest in a New India Premier Mediclaim policy, they have to wait for the policy to complete the first 30 days before making any claim. However, if hospitalization occurred due to an accident during the first thirty days of the policy, the amount is payable.

5. What are the exclusions under the New India Premier Mediclaim Policy?

Permanent illnesses or health conditions not covered under the New India Premier Mediclaim Policy

  • Hospitalization with war, riot, strike and nuclear weapons
  • Intentionally hurting yourself
  • Abortion, and abortion
  • Congenital diseases
  • Infertility and in vitro fertilization

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

View All New India Health Insurance Reviews

Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.