New India Assurance Global Mediclaim Policy

The New India Assurance Global Mediclaim Policy can only be availed by someone who is already insured under a base Health Insurance Policy with a Sum Assured of Rs. 8 lakhs and above. However, if the policyholder does not possess a base policy, it will not affect the Renewal or Claim of the policy.

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New India Assurance Global 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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    The Policyholder of the New India Assurance Global Mediclaim Policy is eligible to get treatment in Asia and around the world for the specified diseases and conditions. There are 2 Plans are available under this policy with varying Sum Assured amounts. This policy can be taken by Indian citizen who resides in India.   

    New India Assurance Global Mediclaim Policy: Key Highlights

    Coverage Type

    Individual

    Sum Insured

    Rs. 8 Lakhs & Above

    Max SI allowed in Asia (Plan A)

    USD 0.5 million (USD 1 Million Lifetime)

    Max SI allowed Worldwide in Specified centers (Plan B)

    USD 1 Million (USD 2 Million Lifetime) World Leading Medical Centre

    100% Pre-policy medical tests

    Mandatory

    Waiting Period

    3 Months

    Coverage Offered 

    The New India Assurance Global Mediclaim Policy covers the following medical expenses for the insured:

     

    • Hospitalization expenses include private room accommodation, nursing charges, meals, operating room and other hospital services.
    • Day Care treatment expenses for procedures and surgeries provided in a hospital
    • Doctor's expenses for visits, examination, surgery or other treatment.
    • Expenses incurred in the hospital medical services and treatments for lab analysis, anesthetics, X-Ray, pathology, ECG, and other similar tests and treatments
    • Expenses related to the use of blood, oxygen, intravenous solutions and injections
    • Expenses for air ambulance and ground transportation. 
    • Donor expenses in case of organ transplantation.  
    • Travel and accommodation expenses of the insured and one companion while traveling for treatment purposes up to the prescribed limit.
    • Transportation expenses up to the prescribed limit of the mortal remain at the burial place in the event of the insured's death while receiving treatment for the covered illness.

    Inclusions of the plan

    Other the basic coverage, the New India Assurance Global Mediclaim Policy has the following inclusions: 

    • The policy covers the following illnesses for an annual limit of USD 0.5/1 million per insured year.
    • Primary treatment for certain cancers
    • Coronary Artery Bypass Graft
    • Neurosurgery
    • Heart Valve Surgery
    • Bone Marrow Transplant
    • Living Organ Donor Transplant
    • Medical second opinion for critical illnesses
    • Treatment in World Leading Medical Centers outside India covered

    Exclusions of the plan

    No claim will be paid under the New India Assurance Global Mediclaim Policy under the following circumstances:

    • Pre-existing conditions or diseases are not disclosed in the proposal form.
    • Any illness or condition that was diagnosed within the first 90 days of the policy commencement.
    • Any Congenital Internal or External Anomalies.
    • Illness or injuries incurred as a result of war, acts of terrorism, floods and nuclear reactions.
    • Illness or injury that is a result of hazardous sports or adventurous activities
    • Illness incurred due to alcohol addiction or drug abuse.
    • Injury arising due to attempted suicide or self-harm
    • Any condition or disease caused as a result of AIDS or its treatment
    • Expenses for prosthetics, cosmetic surgeries that are not a part of the treatment for the covered illness

    For a complete list of exclusions, please refer to the policy documents.

    Features & Benefits of the New India Assurance Global Mediclaim Policy 

    Given below are the main features and benefits of the New India Assurance Global Mediclaim Policy plan:

    • This product can be availed by a person who has a health insurance policy with a Sum Assured of Rs. 8 lakhs and above. 
    • A savings of 5% will be offered in Premiums to the insured who has a health insurance policy with New India.
    • 100% of pre-policy medical tests are mandatory for all applicants.
    • There are 3 plan options under this policy-Plan A (Asia Treatment Plan), Plan B(Worldwide treatment plan), and treatment from WLMC(World Leading Medical Centers).
    • The Sum Assured allowed for Plan A is USD 0.5 million (1 million Lifetime) and for Plan B is USD 1 million (2 million Lifetime). 
    • There is a waiting period of 90 days for all the plan variants under this policy.
    • The premium paid and the benefits received under this policy are eligible for tax deduction under section 80D of the Income Tax Act 1961*

    *Tax benefit is subject to changes in tax laws

    Eligibility Criteria 

    Type

    Individual 

    Minimum Entry Age

    18 years 

    Maximum Entry Age

    65 years

    Number of people covered

    Individual Insured

    Residential Status

    Residents of India; Cover is not allowed to NRIs/OCI/PIO's/ Foreign nationals residing in India for employment

    Cancellation Terms of the Policy

    • If the insured has fraudulently omitted relevant information for this policy, the company has the right to cancel the policy within 30 days after the company's access to such information.
    • The insured may also choose to cancel the policy, in which case the company will allow a refund of premium at its short period rate provided no claim has been filed up to the date of cancellation. 

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    New India Assurance Global Mediclaim Policy Reviews & Ratings

    / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Omkar
    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.
    Angoor
    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.
    Kush
    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.
    Ranveer
    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.
    Kushal
    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.
    Jitendra
    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.
    Rajesh
    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.
    Kuvar
    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.
    Abhijeet
    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.
     
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