New India Premier Mediclaim Policy

New India Premier Mediclaim Policy is a comprehensive health insurance offered under New India Assurance Health insurance. This policy can be availed as individual and family floater basis. The policy covers the insured for unforeseen hospital expenses, in-patient expenses including intensive care units and other critical care benefits to provide the insured with complete medical protection.

Read More

Get insured from the comfort of your home No medicals required

Tell us about you

New India Premier 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

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    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

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Eligibility Criteria

    The minimum eligibility criteria to buy this policy are:

    Type

    Individual/Family Floater

    Minimum Entry Age

    18years (18-25 years must be dependent on parents)

    3 months to 18 years (one of the parents must be covered already)

     

    Maximum Entry Age

    65 years

    Can continue beyond if they do not break the renewal process

     

    Number of people covered

    1-6 members

    Residential Status

    Indian Citizens

    Coverage Offered

    Individuals can buy New India Premier Mediclaim Policy for themselves or their family members. The Policy covers all hospitalization expenses under 2 base plans:

    • Plan A- Coverage for Rs 15,00, 000 & Rs 25,00,000
    • Plan B – Coverage for Rs 50, 00,000 & Rs 1 crore.

    Further coverage details are as follows:

    • Inpatient Treatment Cover -Room rent, boarding, nurse expenses are all covered. The intensive care unit or ICU, intensive cardiac care unit ICCU are also incurred.
    • Pre-hospitalization Cover- Pre-hospital medical expenses are covered for 60 days.
    • Post-hospitalization Cover- Coverage for 90 days after the hospital discharge will be paid for the same condition for which hospitalization was there.
    • Organ Donor Cover- All expenses of the hospital that are incurred for the donor regarding organ transplant. The cost of the organ is excluded.
    • Daycare Treatment Cover-139 day care procedures are covered in the Policy.
    • AYUSH Treatment- If in cases of Ayurvedic, homeopathic, Unani treatment, the individual is given 20% of the sum insured. This is provided only if the treatment takes place in a government or recognized or medical board accredited hospital.

    Inclusions of the Policy

    Individuals can buy the New India Assurance Health Insurance to get the below-mentioned benefits in addition to the above mentioned basic coverages:

    • Emergency Ambulance Cover-The Policy will pay for any ambulance services, including air ambulance, up to Rs 1 lakh, for transporting any insured person for better medical facilities from one hospital to another.
    • Hospital Cash Allowance-The Policy promises a cash payment of Rs 2000 per day for Plan A and Rs 4000 per day for Plan B for hospitalization for more than 24 hours.
    • Maternity and Newborn Coverage- This coverage will be provided to the insured mother upon hospitalization when she has been in continuous coverage for at least 36 months under the plan. The expenses incurred towards maternity are Rs 50,000 for Plan A and Rs 1, 00,000 for Plan B.
    • Critical Illness Benefit- If during the individual's period of insurance, the insured gets diagnosed with any listed critical illness, the Policy will pay the person Rs 2,00,000 under plan A and Rs 5,00,000 under Plan B. This amount is only paid to the insured once in a lifetime with no pre-existing diseases.

    Exclusions of the Policy

    Some cases of hospitalizations are not covered under the New India Premier Mediclaim Policy. Coverage will not be provided under the following cases as listed in the policy exclusions:

    • Pre-existing condition or disease
    • Listed disease diagnosed before the 24 months waiting period
    • Listed disease diagnosed before the 36 months waiting period
    • Injuries due to war, invasion, nuclear weapon, radiation
    • Cost of external prosthetic devices, braces, equipment or nondurable implants
    • Cost of spectacles, eyeglasses, contact lenses, hearing aids, etc.

    *The complete list of exclusions is available in detail in the policy document.

    Features & Benefits of the New India Premier Mediclaim Policy

    Out of the many benefits and features of the New India Premier Mediclaim Policy, Some of them are listed below:

    • All hospital expenses, including room rents and ambulance fees are covered.
    • OPD treatment cover is available.
    • The Policy has a new India baby care that covers any expenses incurred in connection with the delivery of any such newborn baby from birth until the expiry of this Policy.
    • Infertility treatment is also covered, subjected to a limit of Rs 1, 00,000 for plan A and Rs 2, 00,000 for Plan B.
    • It also covers treatment for STDs, or any condition caused due to human T cell lymphocytic virus type III. The limits are Rs 2, 00,000 for Plan A and Rs 5, 00,000 for Plan B.
    • This premium paid under this Policy is eligible for tax savings under Section 80D of the Income Tax Act 1961.

    Cancellation Terms of the Policy

    New India Premier Mediclaim Policy has a free 15-days look up period in which the policyholder can go through the policy documents. If he/she finds it unsatisfactory, the same can be returned to the insurer.

    The insurer can also cancel the Policy on the grounds of fraud and misrepresentation of personal or medical facts by the policyholder by giving prior written notice.

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    PMASBY Scheme: All You Need to Know About Pradhan Mantri Atmanirbhar Swasth Bharat Yojana

    25 Oct 2021

    The PMASBY or the Pradhan Mantri Atmanirbhar Swasth Bharat Yojana...
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...

    New India Premier Mediclaim Policy 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.
     
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL