New India Assurance Mediclaim Policy

New India Assurance Health Insurance offers several versions of health insurance to benefit the individual and its family. New India Assurance Mediclaim Policy delivers comprehensive coverage to the members, who can be a part of the extended family of the insured or employees of an organization.

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New India Assurance 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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    New India Assurance Mediclaim Policy: Key Highlights

    Sum Insured

    Rs 1,2,3,5,8,10,12 & 15 lakh

    Renewal SI

    Rs 4, 6,7 lakh

    Cumulative Bonus


    Policy Tenure

    1 year



    Pre-existing Illness Cover

    After 48 months

    Free Health Check-up

    Every 3 claim-free years

    Scope of Coverage Offered

    The policy provides an eclectic coverage to the insured to opt for hospitalization anywhere in India. The base coverage in the New India Assurance Mediclaim Policy Health Insurance is described below.

    • In-Patient Hospitalization Cover: The insurer promises to indemnify all medical expenses incurred during hospital treatment with a minimum 24-hour stay.
    • Pre and Post Hospitalization Expenses Cover: The indemnity extends to the incurred expenses associated with hospitalization before and after the discharge.
    • Daycare Hospitalization Cover: The policy covers the cost of 139 daycare procedures and surgeries requiring less than 24 hours of hospital stay.
    • Organ Transplant Cover:  Indemnity for an organ transplant is available subject to the stipulations in the policy schedule.
    • Alternative Treatment Cover: The insured is free to opt for AYUSH treatment in any Government Hospital or recognized institute. The cover amount is limited to 25% of the sum insured.

    Inclusions of the Plan

    Apart from the basic coverage, the policy also includes the following expenses:

    • Accommodation Limits: The room rent cover should not exceed 1% of the sum insured, while 2% for the ICU.
    • Ambulance Cover: It is limited to 1% of the sum insured.
    • Cataract Surgery: The insurer pays for the surgery for each eye up to 20%of the sum insured or Rs 50,000, whichever is lower.
    • Hospital Cash:  The insured is paid at the rate of 0.1% of the sum insured per day of hospitalization, subject to 1% of the sum insured in total.
    • Optional Cover:
    • No Proportionate deduction.
    • Maternity Expenses Benefit.
    • Revision of Cataract Limit.
    • Voluntary Co-pay.  

    Exclusions of the Plan

    Thorough knowledge of what is not covered in the policy is essential to buy New India Assurance Health Insurance, directly impacting the insured's claim settlement experience. The exclusions in this policy are in two categories – Waiting Period and Permanent Exclusions.

    • The waiting period denotes the defined time for the commencement of cover. Accordingly, the cover for pre-existing diseases starts after the expiry of 48 months, specific listed diseases after 24 months, and 30 days for all ailments, except accidental injury from the policy inception date.
    • Permanent exclusions, on the other hand, signify the conditions for the onset of the disease and injury for which the insurer is not liable. The list is elaborate, and it is sensible for the insured to consult the policy document for detail.

    Features & Benefits of the New India Assurance Mediclaim Policy

    The influencing factors to buy New India Assurance Mediclaim Policy are described below:

    • Sum Insured: The insured can choose from Rs 1, 2, 3, 5, 8, 10, 12, and 15 Lakh. The sum insured bands of Rs 4/ 6, and 7 Lakhs are not offered for new policies but open for renewal. The insured will be covered under a single dedicated sum insured.
    • Policy Term: It is one year with lifelong renewal after 65 years of age for uninterrupted coverage policies.
    • Cumulative Bonus: The enhancement rate for a claim-free year is 25% of the sum insured, subject to a maximum of 50%.
    • Health Check-up: The insured is entitled to the facility once for every three claim-free years.
    • Tax Benefit: The premium is tax-exempt under Section 80D of the Income Tax Act, 1961.

    Eligibility Criteria

    One will have to be aware of the following eligibility conditions to buy this policy:


     Family Policy

    Minimum Entry Age

    Child: 3 months

    Adult: 18 years

    Maximum Entry Age

    Child: 18 years

    Adult: 65  years

    The Number of people covered:

    Employer _ Employee Groups and Family without specifying numbers

    Residential Status

    Indian citizens residing in India.

    Cancellation Rules of the Policy

    The insurer may cancel the policy with a 15-day written notice on the grounds of moral turpitude or non-cooperation. The insured can cancel the policy within the 15-day free-look period to receive a refund as per the insurer's short period rate.


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    New India Assurance Mediclaim Policy Reviews & Ratings

    / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    Download the Policybazaar app
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