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Yuva Bharat Plan
India is experiencing a youth-driven demographic shift, and health insurance providers are stepping up with specialized plans. The Yuva Bha…
- Personal accident benefits
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- Air ambulance
New India Health Insurance
New India Premier Mediclaim
New India Premier Mediclaim Policy is a versatile family health insura ...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 · 2,697 reviews
🏥 3,000+ hospitals
📊 1.91 solvency ratio
✅ 90.73% claim settlement
About New India Premier Mediclaim
A quick read on what this New India Health Insurance plan covers and why it might be a fit for you.
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. It can be purchased by individuals between 18 and 65 years of age. Dependent children are covered between 3 months and 18 years, provided one or both parents are covered by the policy. Moreover, children between 18 and 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: Plan A and Plan B. Plan A offers sum insured options of 15 Lakhs and 25 Lakhs, whereas Plan B offers sum insured options of 50 Lakhs and 1 Crore. The policy provides extensive coverage, including room rent, ICU, hospital cash benefit, critical care benefit, AYUSH Treatment, ambulance charges, maternity and child care benefit, and more.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹15 L, ₹25 L, ₹50 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
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
- Critical Illness benefit
Cons
- 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 Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion 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 Premier Mediclaim Policy Benefits
New India Premier Mediclaim Policy is a unique policy that offers a variety of coverage options at competitive premiums. Some of the key policy benefits are listed below.
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Various Plan Options
New India Premier Mediclaim Policy is available in 2 different plan options, allowing individuals to select a variant suitable for their requirements. Plan A offers a sum insured of 15 Lakhs and 25 Lakhs. Plan B offers a sum insured of 50 Lakhs and 1 Crore respectively.
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Tax Benefits
The premium paid for this plan is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
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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 ₹2,00,000 for Plan A and ₹5,00,000 for Plan B as an additional benefit.
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OPD Treatments
Individuals covered under this policy can avail of OPD treatment cover for health check-ups, dental treatment, consultation, and medicines after every two continuous claim-free years. Insurance holders are entitled to OPD coverage of ₹5,000 for Plan A and ₹10,000 for Plan B respectively.
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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 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
- Permanent diseases or health conditions that are not included under New India Premier Mediclaim Policy:
- Hospitalisation due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- Miscarriage and abortion
- Congenital diseases
- Infertility and in vitro fertilisation
- Certain diseases and treatments are covered under this plan after a specific waiting period. Read the details below:
- Listed ailments after 24 or 36 months
- Pre-existing diseases after 48 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Other features & benefits
- Covers entire family
- 2 plan options
- Hospital cash benefit
New India Premier Mediclaim Policy: FAQs
The 5 most-asked questions about New India Premier Mediclaim, answered.
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.
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.
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.
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.
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
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