New India Assurance Health Insurance
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New India Assurance Health Insurance
New India Assurance Company Limited is a wholly owned subsidiary of Indian Government and is an multinational insurance contributor present in 27 countries and a market leader in the non life insurance sector in India based from Mumbai. Strong domestic and international presence, a wide range in insurance plans, effective and advanced technology, integrated complaint management structure are some of the keys to the company’s success. And last but not the least New India Assurance is the only insurer who is considered as the direct insurer in India.
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New India Assurance Health Insurance Plans
New India Assurance Insurance Company offers a comprehensive range of health insurance plans to the customers. The list of various health insurance plans offered by New India Assurance is given below:
Why Health Insurance Plans?
Health insurance plans have become extremely important in the modern era due to the rising cost of medical expenses and the treatment costs of various ailments. Furthermore, people's current lifestyles make them more vulnerable to diseases and ailments that necessitate medical attention. Medical costs are rising, while the average person's income has stagnated, resulting in a financial crisis in the event of a medical emergency. As a result, it is prudent to insure against any medical contingencies that may arise, so that the financial aspect of the crisis is handled at least by the insurance company and medical costs do not become a burden on the average middle-class man.
The main features of this New India Assurance mediclaim policy are:
- Coverage of In-patient hospitalization expenses in India.
- This plan will be in force when the total of all hospitalization expenses ( except Pre and Post) for one or all members surpasses the limits as mentioned in the plan.
- This New India Assurance plan will be in force for each and every hospitalization after the limits has been exceeded by the previous hospitalization expenses subject to the Sum Insured as mentioned in the plan.
- The maximum liability of the company towards all the members is the Sum Insured.
- The insured person has an option to recover the expense from any other company or this policy, but not both, if there is any expense which has been incurred over and above the limits.
- Under this New India Health Insurance plan, the Sum Insured is available over and above any reimbursement received from any other company if such amount exceeds the limits.
The Sum Insured Under New India Health Insurance available are:
|
Coverage Type |
Sum Insured |
Threshold |
|
A |
500000 |
500000 |
|
B |
1000000 |
500000 |
|
C |
1500000 |
500000 |
|
D |
700000 |
800000 |
|
E |
1200000 |
800000 |
|
F |
1700000 |
800000 |
|
G |
2200000 |
800000 |
New India Health Insurance Eligibility
The proposer has to be aged between 18-65 years and other members 3 months – 65 years. Children between 3 months till 18 years are covered under this New India Assurance plan, provided their parents are also covered simultaneously. Children between 18 years till 25 years are also covered provided their parents are also covered simultaneously and they are financially dependants on their parents except for unmarried daughter and where the child is mentally handicapped.
Health Check up will be required for person above 50 years of age under
- Persons above 50 years of age Or
- Persons with Adverse Medical / Claims history.
Tenure of the Plan
The policy is only for a period of one year.
Coverage under New India Assurance Health Insurance
The Hospitalization expenses include:
- Room rent, boarding and nursing expenses incurred in actual with a maximum amount of Rs 5000 per day for Rs 500000 Threshold and Rs 8000 per day for Rs 800000 Threshold.
- Specialists Fee, Consultants, Surgeon, Medical Practitioner, and Anesthetist fees.
- IICCU/ ICU expenses incurred in actual with a maximum of Rs 10000 per day for Rs 500000 Threshold and Rs 16000 per day for Rs 800000 Threshold.
- Oxygen, Surgical Appliances, Medicines & Drugs, Blood, Anesthesia, OT Charges, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical operation like pacemaker, related test, X-Ray and other expenses.
- Under this New India Assurance Plan, get Well Benefit of Rs 5000 for Rs 500000 Threshold and Rs 8000 per day for Rs 800000 Threshold will be paid for any one illness. This is applicable for only for the first four admissible claims under the plan. However, this facility will result in decrease in sum insured.
- Donor’s hospitalization expenses.
- Ambulance service expenses of Rs 5000 for Rs 500000 Threshold and Rs 8000 per day for Rs 800000 Threshold.
- Hospital Cash benefit under this plan of Rs 500 per day for Rs 500000 Threshold and Rs 800 per day for Rs 800000 Threshold.
- Cataract operation coverage under this plan will be maximum upto Rs 50000/-.
- AYUSH treatments are also payable under this plan.
This New India Assurance Mediclaim policy covers the followings:
- New Born Cover : In built : waiting period for a mother is 24 months , and coverage from birth till end of the plan. However the same excludes the post natal care , ear delivery/ delivery expenses.
- Inpatient Hospitalization expenses: Upto Sum assured subject to the sub limits, however does not cover the outpatients.
- ICU charges: Upto 2% of Sum Insured per day.
- Room and Nursing Charge: 1% of Sum Insured per day.
- Specialists Fee, Consultants, Surgeon, Medical Practitioner, and Anesthetist fees.
- Oxygen, Surgical Appliances, Medicines & Drugs, Blood, Anesthesia, OT Charges, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical operation like pacemaker, related test, X-Ray and other expenses.
- Organ Donor hospitalization expenses.
- Specified day care procedures.
- Cataract operation coverage under this New India Assurance plan will be maximum upto Rs 50000/-.
- AYUSH treatments are also payable under this plan.
- 11 critical illnesses as specified 10% of sum insured.
Eligibility
This New India Assurance Health Insurance plan can be availed by individuals who are aged between 18-65 years. Children between 18 years till 25 years are also covered provided their parents are also covered simultaneously and they are financially dependants on their parents except for unmarried daughter and where the child is mentally handicapped. Health Check up will be required for person above 50 years of age, however 50% of the health check up costs will be reimbursed if the policy is approved by the company.
Tenure of the Plan
This New India Assurance policy is only for a period of one year.
Sum Insured and Premium
There are basically 4 types of plans or sum insured categories which are Rs 2 lakhs, Rs 3 lakhs, Rs 5 lakhs and Rs 8 lakhs. The Premium payable is based on the following criteria:
- Premium from Primary Member Premium Table.
- Premium for the additional Member who needs to be covered under the plan from Additional Member Premium Table
- Basis: Family Floater: i.e, the sum insured will apply to all the insured members
- ( minimum 2 and maximum 6 which includes proposer, spouse, dependent children, dependant parents upto 60 years).
- Sum Insured
- Zone- Under Zone there are 3 zones which are namely Greater Mumbai, Delhi NCR, Rest Of India.
This New India Assurance plan covers the following Hospitalization expenses:
- ICU charges: Upto 2% of Sum Insured per day.
- Inpatient Hospitalization expenses: Upto Sum assured subject to the sub limits, however does not cover the outpatients.
- Room and Nursing Charge: 1% of Sum Insured per day.
- Specialists Fee, Consultants, Surgeon, Medical Practitioner, and Anesthetist fees.
- Oxygen, Surgical Appliances, Medicines & Drugs, Blood, Anesthesia, OT Charges, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical operation like pacemaker, related test, X-Ray and other expenses.
- Organ Donor hospitalization expenses.
- Specified day care procedures.
- Cataract operation coverage under this policy will be maximum upto Rs 50000/- or 10% of Sum Insured whichever is less.
- AYUSH treatments are also payable under this policy to the tune of 25% of the sum insured.
- Outpatient treatments are excluded.
- 11 critical illnesses as specified 10% of sum insured.
- Congenital diseases (not pre existing) are also covered but subject to waiting periods as specified for internal or external issues.
The following Personal Accident Plans are also covered:
| Serial Nos | Coverage | Compensation | |
| 1. | Accidental Death | Proposer or Spouse | 100% of Sum Insured |
| Proposer and Spouse | 200% of Sum Insured | ||
| 2. | Permanent Total Disablement of | Proposer or Spouse | 100% of Sum Insured |
| Proposer and Spouse | 200% of Sum Insured | ||
| 3. | Loss of one limb and one eye or loss of both eyes and /or loss of both limbs of | Proposer or Spouse | 100% of Sum Insured |
| Proposer and Spouse | 200% of Sum Insured | ||
| 4. | Loss of one Limb /sight in one eye of | Proposer or Spouse | 50% of Sum Insured |
| Proposer and Spouse | 100% of Sum Insured |
Eligibility
The uniqueness of this New India Assurance policy is the parents can take this plan only with daughters. This can be availed by individuals who are aged between 18-65 years. Daughters between 3 months till 18 years are covered under this plan provided their parents are also covered simultaneously. Children between 18 years till 25 years are also covered provided their parents are also covered simultaneously and they are financially dependants on their parents except for unmarried daughter and where the child is mentally handicapped.
Tenure of the Plan
The policy is only for a period of one year.
Sum Insured and Premium
There are basically 4 types of New India Assurance plans or sum insured categories which are Rs 2 lakhs, Rs 3 lakhs, Rs 5 lakhs and Rs 8 lakhs. The New India Health Insurance Premium payable is based on the following criteria:
- Premium from Primary Member Premium Table ranges from Rs 1860 to Rs 38550.
- Premium for the additional 2 Daughter who can to be covered under the plan from Additional Member Premium Table ranges from Rs 250 – Rs 25040.
- Basis: Family Floater: i.e, the sum insured will apply to all the insured members
(includes proposer, spouse, 2 dependent daughters). - Sum Insured
- Zone- under Zone there are 3 zones which are namely Greater Mumbai, Delhi NCR, Rest Of India.
- Premiums for covered Daughters are 50% lower than that of the additional members.
- Premium loading is applicable upon renewal for members above 65 years which is 2% every year.
This New India Assurance Mediclaim Insurance policy protects the insured person against the unexpected hospitalization expenses. And the coverage is inpatient hospitalization expenses where the hospital stay should exceed more than 24 hours( except in case of mentioned day care procedures) and Pre/Post hospitalization expenses upto 30/60 days respectively. However, there are certain exclusions to this mediclaim Insurance policy.
Eligibility
This can be availed by individuals who are aged between 18-65 years. Children between 18 years till 25 years are also covered provided one of their parents are also covered simultaneously and they are financially dependants on their parents.
Premium
Family members can be covered in one policy with separate Sum Insured for each Insured Person and one will get Family Discount of 10% on the total premium amount payable. And 11-%-18% discount for New India Assurance plans on family floater basis, minimum two and maximum four additional members. The members of the family include the Proposer, Proposer’s Spouse, Proposer’s Children, and Proposer’s Parents.
No Claim Bonus is awarded after every claim free year to the tune of 2%-15% for members upto 60 years and 11%-18% for family floater plans.
Sum Insured
The sum insured is from Rs 1 lakh to Rs 8 lakhs, maximum limit is Rs 3 lakhs for individuals aged above 55 years. Sum Insured can be enhanced while renewing, however the same will depend on the company’s decision for insured members upto 65 years. Also Sum Insured can be enhanced when one wants to transfer from Mediclaim 2007 plan to Mediclaim 2012.
This New India Assurance Plan covers the following:
- Personal Accident Benefits : Accidental death or permanent total disablement to the tune of Rs 2 lakhs Sum Insured.
- Family Cover Family consisting of two insured dependent children and spouse of the Insured is entitled upto Rs 10000/- maximum in the event of death or permanent disability.
- Reimbursement of Repatriation / Transport expenses on account of death /permanent total disability / termination of contract on account of contracting major ailments.
- Reimbursement of Repatriation / Transport expenses due to termination of contract of employment.
- Hospitalization Cover.
- Maternity benefit upto Rs 20000/- as in patient in India.
Eligibility
This policy can be availed by individuals who are Indian Citizens and are aged between 18-60 years havin a valid visa staying abroad for the purpose of employment only for the period of cover as mentioned in the policy.
This New India Assurance policy covers the following:
- Pre and Post Hospitalization expenses upto 30 days and 60 days respectively.
- Hospitalization expenses for the treatment of injury or illnesses which is more than 24 hours.
- Ambulance Charges as per the limits.
- Day care treatments where 24 hrs hospitalization is not required.
- Ayurvedic Treatment of medicine is also covered to the tune of 25% of Sum Insured.
- Preexisting diseases are covered subject to a waiting a period of 4 years claim free period and 2 years for certain conditions like diabetes, hypertension.
Eligibility
This can be availed by individuals who are aged between 18-60 years. Children between 3 months till 18 years are also covered provided one of their parents are also covered simultaneously.
Features & Benefits
- Loyalty discounts
- Good Health Discounts
- Cumulative Bonus
- Family Discount
- Reimbursement of Health check up
- Income Tax Benefit under section 80D of IT Act.
This New India Mediclaim policy covers the following:
- Pre and Post Hospitalization expenses upto 30 days and 60 days respectively.
- Hospitalization expenses for the treatment of injury or illnesses which is more than 24 hours.
- Ambulance Charges as per the limits.
- Day care treatments where 24 hrs hospitalization is not required.
- Ayurvedic Treatment of medicine is also covered to the tune of 25% of Sum Insured.
- Pre-existing diseases are covered subject to a waiting a period of 4 years claim free period and 2 years for certain conditions like diabetes, hypertension.
- Cataract surgery.
Eligibility
This plan can be availed by individuals who are aged between 18-60 years. The Family Floater Mediclaim Plan can be availed by person upto 60 years of age with self, spouse, maximum two dependent children. Parents/ Parents in law/ brothers and sisters are not covered.
Sum Insured & Premium
Minimum Sum Insured is 2 lakhs and maximum is Rs 5 lakhs. A load of 50% will be applied to cover spouse, and 25% to cover each dependent child.
- Pre and Post Hospitalization expenses upto 30 days and 60 days respectively.
- Hospitalization expenses for the treatment of injury or illnesses which is more than 24 hours.
- Ambulance Charges as per the limits.
- Day care treatments where 24 hrs hospitalization is not required.
- Ayurvedic Treatment of medicine is also covered to the tune of 25% of Sum Insured.
- Preexisting diseases are covered subject to a waiting a period of 4 years claim free period and 2 years for certain conditions like diabetes, hypertension.
- Cataract surgery.
Eligibility
Individuals aged between 18-60 years and other members 3 months – 65 years. Children between 3 months till 18 years are covered under this plan provided their parents are also covered simultaneously.
Sum Insured & Premium
Rs 50000 to Rs 75000 and No Claim Bonus is increase in 5% for every claim free year.
This New India Health Insurance plan covers:
- Inpatient hospitalization expenses minimum 24 hours which includes
- ICU charges: Upto 2% of Sum Insured per day (overall limit 25% of sum assured).
- Room and Nursing Charge: 1% of Sum Insured per day (overall limit 25% of sum assured).
- Specialists Fee, Consultants, Surgeon, Medical Practitioner, and Anesthetist fees (overall limit 25% of sum assured).
- Oxygen, Surgical Appliances, Medicines & Drugs, Blood, Anesthesia, OT Charges, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical operation like pacemaker, related test, X-Ray and other expenses-upto 50% of sum insured.
- Organ Donor hospitalization expenses.
- Pre/Post hospitalization expenses upto 30/60 days respectively.
- Ambulance Charges.
- Limited Ayurvedic treatments are also payable under this policy
- Preexisting diseases waiting period is 18 months.
Eligibility
Individuals aged between 60-80 years are eligible for this policy. And the renewability continues till the age of 90 without a break. Health check up is mandatory for all applicants.
Sum Insured & Premium
Sum Insured is Rs 1 lakh to Rs 1.5 lakhs and No Claim Bonus increase in 5% for every claim free year. Premiums are as lower as Rs 3850 to Rs 7650 depends on the age and sum insured. Again, loading of 10% to 20% will be applicable which depends on the age. There is a family discount of 10%.
The below mentioned coverages are there under this New India personal accident insurance plan:
- Table A : Coverage under Table B and Total Disablement Plans.
- Table B: Coverage under Table C and Permanent Partial Disablement Plans.
- Table C: Coverage under Table D , loss of two limbs/ both eyes, one limb and one eye, loss of one limb, or one eye and Permanent Total Disablement Plans.
- Table D : Coverage of Death of 100% of Sum Insured.
Various types of personal accident plans are as under:
- Group Personal Accident Plans
- Individual Personal Accident Plans.
- Passenger Flight coupon.
- Janata Personal Accident Plan.
- Student Safety Insurance Plan.
- Gramin Accident Personal Policy
- Raj Rajeshwari Mahila Kalyan Yojna
- Bhagyashree Child Welfare Policy.
Eligibility
Individuals and dependent family members aged between 5 years -70 years are eligible for this policy.
This covers the medical expenses incurred by the insured individuals outside India in terms of bodily injuries or sickness or disease contracted. The plans are :
- Business and Holiday Plans which includes medical/ repatriation expenses, loss and delay of checked in baggage, loss of passport, personal liability under A-1, A-2 B-1, B-2, E-1 CFT ( Executives of Corporate Clients and Partners), E-2 CFT plans.
- Employment and Studies Plans which includes medical, transfer of remains, reunioin expense. In both the above cases there are deductibles which are applicable.
Eligibility
Individuals aged between 6 months-70 years are eligible for this policy provided the plans are taken before leaving India.
New India Assurance Health Insurance - FAQs
-
Q1. How to pay a premium? What are the modes of payment available?
Ans: The New India assurance Company offers 2 modes of premium payment namely:- Cash payment at the branch
- Online Payment
For the online payment mode, the policyholder can pay via;
- Credit Card,
- Debit Card
- Net banking
-
Q2. How can I check policy status for New India Assurance health insurance?
Ans: You can go to the website and log in with your customer ID and password to know the policy status. -
Q3. What is the policy renewal process for New India Assurance health insurance?
Ans: For online payment
Step1: Enter your Client ID and Date of Birth to login into e-portal
Step2: Enter policy nuber and expiry to proceed
Step3: Select the payment option –Net Banking or Debit/Credit Card to pay
Step4: Upon successful payment completion print/save the premium receipt
Alteranatively, you can pay via cash/cheque at any of the nearest branch.
-
Q4. What is the company’s process to settle claim for New India Assurance health insurance?
Ans: To settle the claim you can intimate the company by filling a form online. Upon successful process, the claim is settled within a few days. -
Q5. What is the policy cancellation process for New India Assurance health insurance?
Ans: You can visit the nearest branch with you policy documents and duly filled surrender form that you can get at the branch. The refund will be directly credited in your bank account and policy will stand cancelled.
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
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