New India Top-Up Mediclaim Policy
  • High SI Available
  • Mental Illness Cover
  • Avail Cataract Cover
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

premium

Pan India Presence

1900+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

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 Top-Up Mediclaim

New India Top-Up Mediclaim is a top-up insurance plan that covers hospitalization expenses once your base health insurance is exhausted. The policy is designed to provide additional health insurance coverage in case there are other medical expenses and can be issued on an individual and family floater basis. However, it is not mandatory to have a base health insurance policy in order to purchase a New India Assurance Top-Up Policy. Individuals who invest in this policy will be entitled to a wide range of sum insured from 5 to 22 Lakh. New India Top-Up Mediclaim offers cover to up to 6 family members under the family floater variant with the entry age variant of prosper being 18 to 65 years and for other dependent members 3 months. New India Assurance Top-Up Policy offers a plethora of coverage benefits such as:

  • Room Rent
  • ICU
  • Cataract
  • Get Well Benefit
  • Hospital Cash
  • Ambulance Charges and more

To find out more details about New India Top-Up Mediclaim keep reading below to make an informed decision.

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New India Top-up Mediclaim At A Glance

Plan Type Sum Insured Network Hospital PED Waiting Period
Individual/Family Floater 5 to 22 Lakhs 3000+ 48 Months

Read more specifications in the brochure.

Benefits Of The New India Top-Up Mediclaim Policy

By opting to invest in the New India Assurance Top-Up Policy customers are assured of a multitude of benefits and features tied to the plan listed below:

  • Zero Co-Pay
    New India Super Top-Up Mediclaim does not have a co-pay clause which means that customers will not have to split the health care expenses with the insurer. The policy will cover all the expenses for hospitalization, modern treatments, AYUSH, road ambulance, and others.
  • No Base Health Insurance Required
    When purchasing the New India Assurance Top-Up Mediclaim, insurance holders do not require a base medical health insurance policy. The policy can be purchased independently providing a financial safety net to the insured individuals by providing all the necessary medical care coverage.
  • Tax Benefits
    All the premiums paid by the insured individual towards the New India Assurance Top-Up Mediclaim Policy are eligible for tax benefits under the Income Tax Act of India.
  • Mental Health Cover
    New India Top-Up Mediclaim offers coverage against mental illnesses like stress, psychological disorders, and neurodegenerative disorders. Multiple benefits are offered along with pre and post-hospitalization cover after a waiting period of 48 months with a sub-limit of up to 25% of the Sum Insured per policy period.
  • Get Well Benefit
    This is a unique feature under the New India Top-Up Mediclaim Policy where the insurance holder will receive a fixed amount of coverage as per the threshold and sum insured opted by the customer for any one illness. This benefit is applicable only for the first four admissible claims under the policy.

Eligibility Criteria For New India Top-Up Mediclaim

We have mentioned below the eligibility criteria required to be fulfilled by customers to invest in the health insurance plan offered by New India Assurance:

Child Entry Age

Minimum: 18 Years Children: 3 Months to 25 Years

Adult Entry Age

Maximum: 65 Years

Renewability

Lifelong

Plan Tenure

1 Year

Relationships Covered

Self, spouse, Dependent Children, Dependent Parents

Initial Waiting Period

30 Days*

What Is Covered Under New India Top-Up Mediclaim?

New India Assurance Top-Up Policy includes the following coverage and benefits for its customers:

Coverage Term 5 Lakh - 22 Lakhs
Room Rent Rs. 5k per day for 5 Lakh Threshold Rs. 8k per day for 8 Lakh Threshold
Intensive Care Unit (ICU) Rs. 10k per day for 5 Lakh Threshold
Rs. 16k per day for 8 Lakh Threshold
Doctor’s Consultation Covered
Cost of Medicines Covered
Organ Donor Expenses Covered
Get Well Benefit 5k for 5 Lakh Threshold
8k for 8 Lakh Threshold
Emergency Ambulance Services 5k for 5 Lakh Threshold
8k for 8 Lakh Threshold
Hospital Cash INR 500 per day for 5 Lakh Threshold
INR 800 per day for 8 Lakh Threshold
Cataract Cover Available, up to INR 50k
AYUSH Treatment Covered
Treatment for Mental Illnesses Covered, up to 25% of Sum Insured per policy period

What Is Not Covered Under New India Top-Up Mediclaim?

New India Assurance Top-Up Policy is mentioned below:

  • Sexually transmitted disease or HIV/AIDS.
  • Influence of intoxicating liquor or drugs.
  • Suicide or attempted suicide, intentional self-injuries.
  • Congenital external diseases, defects, or anomalies.
  • The insured person committing any breach of law.
  • Birth control procedures and hormone replacement therapy

Premium Table For New India Top-Up Mediclaim

The premium table for New India Assurance Top-Up Mediclaim is given below:

1 Adult

Sum Insured (INR) 5 L 12 L 17 L 22 L
Premium (INR) 1,800 2,300 3,000 3,600

2 Additional Member

Sum Insured (INR) 5 L 12 L 17 L 22 L
Premium (INR) 900 1,150 1,500 1,800

Claim Process of New India Top-Up Mediclaim

Mentioned below are the claim process steps toward the New India Top-Up Mediclaim Policy:

  • Intimate the TPA in writing on detection of any Illness or Injury being suffered immediately or 48 hours before Hospitalisation.
  • Intimate within twenty-four hours from the time of Hospitalisation in case of Hospitalisation due to a medical emergency.
  • Submit the following supporting documents TPA relating to the claim within seven days from the date of discharge from the Hospital:
    • Bill, Receipt, and Discharge certificate/card from the Hospital.
    • Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.
    • Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.
    • Surgeon's certificate stating the nature of the operation performed and Surgeons' bill and receipt.
    • Attending Doctor's/ Consultant's/ Specialist's / Anesthetist's bill and receipt, and certificate regarding diagnosis.
  • In case of Post-Hospitalisation treatment (limited to sixty days), submit all claim documents within 7 days after completion of such treatment.
  • Provide TPA with authorization to obtain medical and other records from any Hospital, Laboratory or other agency.

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

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 Top-Up Mediclaim : FAQ

1. What are the eligibility criteria for New India Top-Up Mediclaim Policy?

The entry age for adults is 18 to 65 years while dependent children can be covered from the age of 3 months to 25 years under the New India Top-Up Mediclaim.

2. What are the sum insured options available under New India Top-Up Mediclaim Policy?

The sum insured options available under New India Top-Up Mediclaim Policy are:

  • 5 L
  • 7 L
  • 10 L
  • 12 L
  • 15 L
  • 17 L
  • 22 L

3. What is the tenure of the New India Top-Up Mediclaim?

The plan tenure is 1 year under the New India Top-Up Mediclaim policy.

4. Are tax benefits available under the New India Top-Up Mediclaim?

Yes, New India Top-Up Mediclaim Policy premiums are eligible for tax benefits under the Income Tax Act of India.

5. Is Maternity coverage available under the New India Top-Up Mediclaim?

No, maternity cover is unavailable under the New India Top-Up Mediclaim policy.

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New India Health Insurance Reviews

Read what our customers have to say about New India health insurance company.

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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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Daina Mathew

Written By: Daina Mathew

Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.