New India Assurance Janata Mediclaim Policy

Insurer Highlights

*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

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      New India Assurance Janata Mediclaim Policy

      This mediclaim policy is available for the persons between 18 years to 60 years. Children between 3 months to 18 years are covered provided their parents should be covered under the same policy. Persons beyond the age of 60 years are covered only if they are covered with the same insurance company from past years.

      Read More

      New India Assurance Company

      Key Features

      It covers pre hospitalization charges up to 30 days and post hospitalization charges up to 60 days subject to 10% maximum of hospital bills.

      Ambulance charges are covered up to actual expenses or Rs 1000 whichever is less.

      The total amount payable under this policy will not exceed sum insured in any case.

      Cost of treatment taken in general ward is limited up to actual expense or Rs 450 per day, whichever is less.


      Discount will be given provided covering your family under this policy.

      Discount in premiums will be given in case renewals are done with good claim history.

      Cost of health checkup will be incurred by the insurance company after 4 continuous claim free years.

      Details about Premium

      Premium in this policy depends on the age of the proposer. There are basically two sum insured slabs available under this policy- Rs 50,000 and Rs 75,000.

      Sum insured

      3 months to 5 years

      6 years to 35 years

      36 years to 40 years

      41years to 45 years

      46 years to 50 years

      51 years to 55 years

      56 years to 60 years

      61 years to 65 years

      66 years to 70 years






















      Policy Details

      Minimum sum insured: 50,000

      Maximum sum insured: 75,000

      Cumulative bonus: Under this policy, for every claim free year sum insured will be increased by 5% at each renewal and maximum bonus that is applicable is 30%.

      Free look period:

      Free look period of this policy is 15 days to review the terms and conditions of the policy and if the proposer is not satisfied with the policy, he can return the policy during free look period.

      Period of policy:

      This mediclaim policy is issued for one year and after every one year the policy holder has to renew the policy with the same company to avail benefits like cumulative bonus as per terms and conditions.

      Policyholder can only port his policy to some other company as per IRDA guidelines.

      Amount payable:

      Company in no case will be liable to pay an amount exceeding the sum insured promised to the insured.

      Additional Riders or Features

      To avail the cashless claim facility the insured has to get treatment from the agreed list of network hospitals.

      Insured can cover his /her family members under this policy.

      Documents Required

      To avail the mediclaim policy, the proposer has to sign a proposal form and insurance company can ask the proposer to submit the medical history from listed doctors.The insurance company has all the rights to reject the proposal form in case of misrepresentation or extreme medical condition.

      Eligibility criteria

      Persons in the age group of 18 years to 60 years can avail this policy and children in the age group of 3 months to 18 years can be covered provided parents are covered under the same policy.


      Day care treatments are covered up to specified limits.

      Ayurvedic treatments are covered up to 25% of sum insured provided it is required for any injury or illness.

      ICU expenses are covered under this policy.

      Surgeon, Anesthetist, Medical Practitioner, Consultants’ Specialist fees are covered.


      Dental treatment is not covered except if it is arises out of any accident.

      Cosmetic surgeries are not covered except arising out of accident.

      Pre –existing diseases are not covered for 48 months from the date of commencement of policy.


      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*

      Health insurance articles

      Recent Articles
      Popular Articles
      Does SBI Health Insurance Cover Dental Treatments?

      05 Jun 2024

      SBI General Insurance Company provides comprehensive coverage
      Read more
      Does ICICI Lombard Health Insurance Cover Dental Treatments?

      05 Jun 2024

      ICICI Lombard General Insurance Company offers various health
      Read more
      Does Reliance Health Insurance Cover Dental Treatments?

      04 Jun 2024

      Dental insurance is crucial in safeguarding oral health as it pays
      Read more
      Does HDFC ERGO Health Insurance Cover Dental Treatments?

      22 May 2024

      HDFC ERGO General Insurance Company offers various health
      Read more
      Does Aditya Birla Health Insurance Cover Dental Treatments?

      17 May 2024

      Dental insurance is vital in maintaining oral health by covering
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 New IRDAI Health Insurance Guidelines in 2024
      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.