New India Assurance Universal Health Insurance Plan

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      New India Assurance Universal Health Insurance Plan

      This health insurance policy is designed for both groups and individuals (Below-the-poverty-line). The Individual health insurance policy shall be issued in the name of the main earning member of the family, along with details of the other insured family members.

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      Whereas, the group health insurance policy will be issued in the name of the Group/Association or Institution as the policyholder, along with the name of the other insured persons or family members as part of the policy.

      For claim procedures, a certificate of Below Poverty Line would be required as proof thereof issued by a state government official above or equal the rank of B.D.O. / Executive Magistrate of the tehsil.

      Key Features & Benefits of New India Assurance Universal Health Insurance Plan

      Here’s why this plan is suitable for Below the Poverty Line:

      • Compensation is provided in case of death or disabilities caused to the earning head of the family
      • 15 days of free look period
      • Easy grievance redressal at regional cells
      • Policy period is one year, which is renewable

      Inclusions of New India Assurance Universal Health Insurance Plan

      Following medical expenses shall be covered under this plan:

      • Hospitalization benefits including room charges and boarding expenses up to a limit of 0.5% of sum assured to be reimbursed per day
      • ICU expenses to be reimbursed up to a limit of 1% of sum assured per day
      • Up to 15% of sum assured to be reimbursed for fees charged by Medical Practitioner, Surgeon, Consultants, Anesthetist, and Specialists Fees etc.
      • Up to 15% of sum assured to be reimbursed for Nursing Expenses, Anesthesia, Blood, Medicines & Drugs, Oxygen, Surgical Appliances, OT Charges, Pacemaker, Diagnostic Tests, X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost Of Organ Replacement, Artificial Limbs And Similar Expenses.
      • After a waiting period of one year, maternity cover is provided (only one delivery or child is covered). For normal delivery, the limit is kept up to Rs.2500 and for the caesarean limit is kept up to Rs. 5000. Maximum maternity benefits shall not exceed the limit of Rs.30, 000 per family or person during the policy period.
      • Personal accident cover up to Rs. 25,000 in case of death of the main policyholder
      • In the case of hospitalization of the earning head of the family, Rs.50 will be compensated on a daily basis. Compensation will be provided from the fourth day of hospitalization and this is subjected to a maximum period of 15 days per policy period.
      • All the coverages will be eligible in a government-owned nursing home or hospital and should have a minimum of 15 patient beds.

      Sum Insured Options

      • Hospitalization benefit per family is Rs.30, 000
      • Accident death benefit for the Earning Head of the family is Rs.25, 000
      • Disability Compensation of Rs. 50 is provided in case of hospitalization of the only earning member of the family for a maximum of 15 days during the policy term with a time excess of 3 days

      Exclusions of New India Assurance Universal Health Insurance Plan

      The insurer will not cover claims arising due to any of the below-mentioned circumstances:

      • Hospitalization or treatment required due to war conditions, nuclear attacks, terrorist activities etc.
      • Regular dental treatment
      • Treatment for HIV, AIDS and other STDs
      • Congenital and Venereal diseases
      • Self-inflicted injuries and treatment of depression /mental conditions
      • An overdose of alcohol and drugs
      • Expenses of naturopathy treatment
      • Cost of vitamins and supplements prescribed by the physician
      • Cost of purchasing contact lenses, hearing aids, and spectacles during or after the treatment
      • Death resulting from pregnancy complications

      Eligibility Criteria of New India Assurance Universal Health Insurance Plan

      • For adults, the age limit is 5-70 years
      • The age limit for children is 3months-5 years (provided either or both the parents are already covered)
      • Sum Assured (Rs.): Hospitalization benefit per family is provided up to Rs.30, 000 during a policy period. It included maternity cover of Rs.2500 in case of normal delivery and Rs. 5000 in case of caesarean delivery
      • Total claim limit for any one illness or disease is restricted to Rs.15,000 (apart from maternity expenses)
      • Accidental death cover of Rs 25,000 to the earning head of the family

      Claim Process of New India Assurance Universal Health Insurance Plan

      You need to follow the below mentioned procedure to get compensation for your hospitalization expenses:

      • Immediately inform the TPA department about the hospitalization
      • In case of medical emergencies, notify the insurer within 24 hours of hospitalization. Also, you would need to furnish the following documents:
      • Medical prescriptions
      • All the invoices, receipts, discharge and admission certificate from the hospital
      • Medical reports with doctor’s recommendation
      • Doctor’s certificate validating the nature of treatment, operation, and surgery
      • In-hospitalization receipts including room charges, anesthesia, and doctor’s consultation
      • For post-hospitalization treatment, submit all the required documents within a week of the medical treatment

      Cashless hospitalization is available in the network hospitals if you provide your identity proof, the proof of New India Assurance Health Insurance policy. This facility is available only after the insurer approves your claim.

      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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      *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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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 (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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