New India Assurance Jan Arogya Bima

The New India Assurance Jan Arogya Bima Insurance plan is designed to offer affordable medical insurance with a lower premium rate. The coverage includes all features of a regular Mediclaim policy other than the cumulative bonus and medical checkup.  This policy covers hospitalization expenses or domiciliary treatment for illness and injury sustained in India. The New India Assurance Jan Arogya Bima Health Insurance policy is offered for 1 year. The policy helps the economically backward sections of the Indian society to avail of medical insurance benefits at affordable costs.

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New India Assurance Jan Arogya Bima

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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    Eligibility Criteria

    The minimum eligibility criteria to buy this plan are:

    Type

    Individual or Family Floater

    Minimum Entry Age

    5 years (children between ages 3 months to 5 years are covered provided parent is covered)

    Maximum Entry Age

    70 years

    Number of people covered

    Individual, spouse and 2 dependent children.

    Residential Status

    Residents of India, including citizens, permanent residents, foreigners holding an employment pass, dependent pass or work permit

    Coverage Offered

    The basic coverage offered under the New India Assurance Jan Arogya Bima Insurance policy includes:

    • Coverage for expenses for hospitalization or domiciliary treatment in India for illness or injury sustained.
    • Hospitalization expenses covered include:
    • Room rent, Boarding expenses
    • Surgeon, Physician, Anesthetist and Consultant fees
    • Expenses for Blood, Oxygen, Drugs, Medicines, Drugs, Operation Theatre, X-Ray, Diagnostics, Dialysis, Chemotherapy, etc.
      • Expenses for Day Care treatment are covered.
      • Domiciliary hospitalization expenses are covered.
      • Pre-hospitalization medical expenses incurred 30 days immediately before the insured person is hospitalized are covered.
      • Post-hospitalization medical expenses incurred 60 days immediately after the insured person is discharged are covered under this policy.
      • Hospitalization and inpatient care expenses for more than 24 hours of hospitalization for specified procedures or treatments are covered.

    Inclusions of the New India Assurance Jan Arogya Bima Insurance Plan

    Apart from the basic coverage, the New India Assurance Jan Arogya Bima Insurance plan includes coverage for:

    Expenses incurred for treatment of diseases like are covered:

    • Asthma
    • Bronchitis
    • Diarrhea
    • Chronic Nephritis and Nephritic Syndrome
    • Diabetes
    • Epilepsy
    • Hypertension
    • Arthritis, Gout and Rheumatism
    • All psychiatric & psychosomatic disorders
    • Pyrexia of unknown origin for less than 10 days
    • Influenza, Cold & Cough
    • Tonsillitis, Laryngitis and Pharyngitis

    Hospitalization for the treatment for the procedures given below is also covered:

    • Dialysis
    • Radiotherapy
    • Lithotripsy (kidney stone removal)
    • Tonsillectomy
    • Chemotherapy
    • Eye Surgery
    • D & C
    • Dental Surgery

    Exclusions of the New India Assurance Jan Arogya Bima Insurance Plan

    The New India Assurance Jan Arogya Bima Health Insurance policy will not reimburse the expenses incurred for the following:

    • Benefits for pre-existing conditions or diseases available after 48 months of continuous coverage
    • Hospitalization expenses in the first 30 days from the insurance commencement except in case of accidental injury
    • Expenses during the first year of treatment such as Cataract, Hysterectomy, Benign Prostatic Hypertrophy, Fibromyoma, Hernia and Congenital internal diseases
    • Injury due to war, invasion of a foreign enemy and warlike operations
    • Circumcision
    • Cost of spectacles, hearing aids or lenses
    • Maternity expenses including those for childbirth and delivery
    • Naturopathy treatment

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

    Features & Benefits of the New India Assurance Jan Arogya Bima Insurance Plan

    The salient features and benefits of the New India Assurance Jan Arogya Bima Insurance plan are:

    • This policy is designed to offer affordable medical insurance to the economically weaker sections of the society with a premium up to Rs 10,000 per year.
    • The Sum Insured for this policy per person is restricted to Rs 5000.
    • This policy can be opted by individuals and their family members between the ages 5 and 70 years.
    • The premium paid and the benefits received under this policy are eligible for tax benefits as per Sec80D of the Income Tax Act 1961.

    Cancellation Terms of the Policy

    The New India Assurance Jan Arogya Bima Insurance policy can be canceled by the insurer anytime by sending a 30-day notice to the policyholder. The company will refund to the insured the pro-rated premium for the unexpired insurance period. The company is liable to pay any claim that arose before the date of cancellation.

    The insured may choose to cancel the policy anytime. In such an event, the company will allow a refund of premium at the company's short period rate.

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    New India Assurance Jan Arogya Bima 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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