New India Assurance Family Mediclaim Policy

(42 Reviews)
Insurer Highlights

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      New India Assurance Family Mediclaim Policy

      The New India Assurance Family Mediclaim 2012 has been designed to keep in mind the health requirements of an individual. This helps to safeguard your finances against medical emergencies that might occur in the future. This policy is an initiative to help you overcome all the hurdles and live happily and healthily. One can easily get online New India Assurance Family Mediclaim 2012.

      Read More

      New India Assurance Family Mediclaim 2012: Key Highlights

      Coverage Type

      Family Floater

      Sum Insured

      Rs 1 lakh to 8 lakhs


      1 year

      Critical Illnesses Cover


      Waiting Period

      30 days

      Coverage Offered

      New India Assurance Family Mediclaim 2012 health insurance provides coverage in the following areas:

      • Pre and Post-hospitalization Coverage- This policy allows one to get a reimbursement of the expenses incurred 30 days before and 60 days after hospitalization, excluding pre-existing diseases and maternity cases.
      • Daycare Treatment- Individuals who buy New India Assurance Family Mediclaim 2012can get compensation for the expenses incurred during a daycare treatment for less than 24 hours of hospitalization.
      • Ambulance charges- Ambulance charges will also be covered up to a specific limit.

      Inclusions of the Plan

      • Ayurvedic, homeopathic, and Unani treatment is done in a registered hospital, up to a maximum of 25% of the sum insured.
      • The pre-existing diseases will also be covered after the completion of 4 claims-free years.
      • Other pre-existing diseases like hypertension, diabetes, and other related compensations are covered after the completion of 2 years of uninterrupted service. However, an extra premium will be required to be paid.

      Exclusions of the Plan

      New India Assurance Family Mediclaim 2012 plan does not cover the following treatments or expenses:

      • AIDS, HIV, STD, etc.
      • Treatments or diagnoses within 30 days of the purchasing of the policy
      • Plastic surgeries, dental treatments, and cosmetic surgeries unless it is required due to some illness or injury.
      • Childbirth and pregnancy complications
      • Vaccination and the inoculation process
      • Illness or injuries caused by nuclear attacks, radiation, wars, and acts of terrorism
      • Naturopathy treatment.
      • Treatments that have taken place abroad
      • Domiciliary treatment

      Individuals can find the complete exclusions list in the Policy document.

      Features & Benefits of the New India Health insurance

      Individuals who intend to buy New India Health insurance will be able to enjoy the following benefits of the New India Assurance Family Mediclaim 2012 policy: 

      • Premium is calculated based on the place and the geographical location of the place where the treatment is carried out.
      • Cumulative bonus benefit.
      • The coverage is not provided to the in-laws of the insured even if they stay with the insured.
      • Income tax benefit* under Section 80D of the Income-tax act.*Tax benefits are subject to change in tax laws.
      • Premium is based on the eldest member of the family.
      • There is a 50% loading if the spouse is covered and 25% loading if the children are covered.

      Cancellation Terms of the Policy

      Policyholders can cancel the New India Assurance Family Mediclaim 2012 insurance policy within the free-look period, which is within 15 days of buying the policy. The premium will be refunded minus the charges incurred by the insurance company.

      At other times, policyholders can send a written notice to the Insurer for cancellation of the contract. Upon acceptance, the Insurer will refund the premium based on short-period rates. Such a Refund would be made only when no claim has been made earlier.


      Policybazaar exclusive benefits
      • 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*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does SBI Health Insurance Cover Dental Treatments?

      05 Jun 2024

      SBI General Insurance Company provides comprehensive coverage
      Read more
      Does ICICI Lombard Health Insurance Cover Dental Treatments?

      05 Jun 2024

      ICICI Lombard General Insurance Company offers various health
      Read more
      Does Reliance Health Insurance Cover Dental Treatments?

      04 Jun 2024

      Dental insurance is crucial in safeguarding oral health as it pays
      Read more
      Does HDFC ERGO Health Insurance Cover Dental Treatments?

      22 May 2024

      HDFC ERGO General Insurance Company offers various health
      Read more
      Does Aditya Birla Health Insurance Cover Dental Treatments?

      17 May 2024

      Dental insurance is vital in maintaining oral health by covering
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 New IRDAI Health Insurance Guidelines in 2024
      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.