New India Top Up Mediclaim
vs
Premium Personal Guard
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 New India Top Up Mediclaim |
 Premium Personal Guard |
| Premium Including GST | ||
| Product Type | Top Up and Super Top Up | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
3000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Applicable |
| Plan Entry Age | 18 to 65 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 1,800 | 1300 |
| Plan Waiting Period | 30 Days | N/A |
| Plan Coverage | - | - |
| Plan Sample Premium | 1,800 | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 Year |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 90.73 | 93.54 |
| Solvency Ratio | 1.8 | 3.6 |
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 to purchase a New India Assurance Top-Up Policy. Individuals who invest in this policy will be entitled to a wide range of sums 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:
To find out more details about New India Top-Up Mediclaim keep reading below to make an informed decision.
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