New India Assurance Jan Arogya Bima

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      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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      Eligibility Criteria

      The minimum eligibility criteria to buy this plan are:


      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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