New India Assurance Health Insurance for Family

New India Assurance Health Insurance for family provides medical insurance coverage to the entire family under a single policy. This plan by New India Assurance Company Limited has been tailor-made to cover people of different ages so that the health needs of all family members are taken care of.

Key Benefits of New India Assurance Health Insurance for Family

New India Assurance Health Insurance for family comes with the following benefits:

Multiple sum insured options ranging from Rs 50,000 to Rs 1 crore
No pre-acceptance medical check-up up to 50 years
A cumulative bonus is granted for every claim-free year.
Cost of health check-up covered after every four claim-free years
10% digital discount available on buying the policy online
Tax benefits offered on paid premium under Income Tax Act, Sec 80D

New India Assurance Health Insurance Plans for Family

Take a look at several New India Assurance Health Insurance plans for families in the table below:

Plan Name	Sum Insured (Rs)	Pre-existing Diseases Waiting Period
New India Floater Mediclaim Plan	2 lakh to 15 lakh	48 months	View Plan
New India Premier Mediclaim Plan	Plan A – 15 lakh to 25 lakh Plan B – 50 lakh to 1 crore	36 months	View Plan
New India Flexi Floater Mediclaim Plan	NA	48 months	View Plan
New India Janata Mediclaim Plan	50,000, 75,000	48 months	View Plan

Eligibility Criteria for New India Assurance Health Insurance for Family

The following eligibility criteria need to be fulfilled to buy a New India Assurance Health Insurance plan for a family:

Categories	Eligibility Criteria
Categories	Adult	Child
Minimum Entry Age	18 years	3 months
Maximum Entry Age	65 years 60 years (Janata Mediclaim plan)	25 years 18 years (Janata Mediclaim plan)
No of Family Members Covered	Self, spouse, dependent children, parents, siblings,
Renewability	Lifelong

Choose Health Insurance Company for Family

Aditya Birla Health Insurance Plans for Family

Bajaj Allianz Health Insurance Plans for Family

Bharti AXA Health Insurance for Family

Care Health Insurance for Family

Cholamandalam Health Insurance for Family

Digit Health Insurance for Family

Future Generali Health Insurance for Family

HDFC ERGO Health Insurance for Family

Family Health Insurance PlansExpand

Inclusions of New India Assurance Health Insurance for Family

New India Assurance Health Insurance for family offers the following coverage:

In-patient Hospitalization Expenses
Pre-hospitalization Expenses
Post-hospitalization Expenses
AYUSH Treatments
Ambulance Charges
Modern Treatments
Hospital Cash
Critical Care Benefit
Day Care Treatments
OPD Treatments
Maternity Benefit
New Born Baby Cover
Impairment of Person’s Intellectual Faculties
Artificial Life Maintenance
Treatment of Mental Illness, Stress or Psychological Disorders & Neurodegenerative Disorders
Puberty and Menopause-related Disorders
Age-related Macular Degeneration (ARMD)
Behavioural and Neuro-developmental Disorders
Genetic Diseases or Disorders

Optional Covers:

Maternity Expenses Benefit
No Proportionate Deduction
Revision in Limit of Cataract
OPD Coverage

The coverage and optional covers of the New India Assurance Health Insurance plans for families may slightly vary amongst each other.

Exclusions of New India Assurance Health Insurance for Family

The following coverage is not provided under the New India Assurance Health Insurance for family:

Treatment taken outside India
Naturopathy treatment
Dental treatment
Willful exposure to danger
Unproven treatment
Treatment for alcoholism or drug abuse
Cosmetic or plastic surgery

The full list of exclusions under New India Assurance Health Insurance for family can be checked by going through the policy documents.

FAQs

Q1. Are there any waiting periods applicable to New India Assurance Health Insurance for family?
Ans: Yes, the following waiting periods apply to New India Assurance Health Insurance plans for families:
- Pre-existing Diseases Waiting Period – 4 years
- Specific Diseases Waiting Period – 90 days and 2/3/4 years
- Initial Waiting Period – 30 days
- Congenital Diseases Waiting Period – 2/4 years
Q2. Is treatment for injuries due to hazardous sports covered under New India Assurance Health Insurance for family?

Ans: Yes. The cost of treatment for injuries due to participation in hazardous sports is covered under the New India Premier Mediclaim plan.
Q3. Can I increase my sum insured under New India Assurance Health Insurance for family?

Ans: Yes. You can increase your sum insured under a New India Assurance Health Insurance plan for a family at the time of renewal. However, people above 65 years and those who have raised a hospitalization claim in the last two years cannot get their sum insured enhanced under the New India Premier Mediclaim plan.