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.

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New India Assurance Family Mediclaim Policy

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

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    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.


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    New India Assurance Family Mediclaim Policy Reviews & Ratings

    / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Chennai , October 26, 2021
    Great features
    I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
    Kolkata , October 26, 2021
    Trustworthy website
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Surat, October 26, 2021
    Helpful staff
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Pune, October 26, 2021
    Low cost plan
    Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
    Jaipur, October 26, 2021
    Good Coverage
    I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
    Lucknow, October 26, 2021
    Affordable plan
    A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    Nagpur, October 26, 2021
    Good plan
    I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
    Allahabad, October 26, 2021
    Hassle free experience
    I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
    Download the Policybazaar app
    to manage all your insurance needs.