New India Assurance Global Mediclaim Policy

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      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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      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. 

      FAQs 

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

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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