New India Assurance Tertiary Care Insurance (Individual)

Considering the rising demand for disease or a group of diseases-specific health insurance, the public sector insurance giant New India Assurance Health Insurance Co. Ltd. has introduced the New India Assurance Tertiary Care Insurance (Individual) policy with standout features. This New India Assurance health insurance offers coverage for nine major ailments with reimbursement for treatment expenses incurred in any hospital in India. The policy covers the listed major ailments and the Modern Treatment, apart from expenses for essential Life Support Equipment and Genetic Disorders, with limits specified in the policy schedule.

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New India Assurance Tertiary Care Insurance (Individual)

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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    Eligibility Criteria

    The minimum eligibility conditions to buy this policy are: 

    Type

    Individual

    Minimum Entry Age

    Child: 3 months (provided one or both  parent is covered concurrently)

    Others: 5 years

    Maximum Entry Age

    Child: 5 years

    Adult: 75  years

    The Number of people covered:

    Cover on an Individual basis with family cover for the spouse, dependent children, and dependent parents.  

    Residential Status

    Resident Indian Citizens

    Coverage Offered

    Considering the severity of the listed diseases, the primary coverage in the policy includes:

    • In-patient Hospitalization: The policy delivers a comprehensive cover for all medical expenses subject to a minimum stay of 24 hours or more.
    • Pre and Post Hospitalization Expenses Cover: The cover is for 30 days and 60 days, respectively, for all incurred medical expenses.  
    • Day Care Treatment Expenses Cover: Procedures and surgeries in a hospital which need admission only for a few hours are covered under the policy.
    • Domiciliary Hospitalization: The expenses are fully covered for domiciliary hospitalization within India.

    Inclusions of the Plan

    The list of inclusions under this policy considers the following:

    • Covered Diseases: The policy covers nine severe illnesses for hospitalization. The insured must consult the policy document for the detailed list with all its variations. The listed diseases are: 

    Nephritis and Kidney Failure needing transplantation and dialysis

    All Strokes

    Heart Surgery

    Malignancy diagnosed through Histopathological Report.

    Viral Encephalitis

    Neuro-Surgery

    Total Joint Replacements

    Liver Disorders

    Grievous Injury

    • Modern Treatments: Several technologically advanced available medical procedures are covered in the policy with limits specified for each.
    • Genetic Disorders: The cover is up to 25% of the sum insured after a wait of 24/48 months.
    • Artificial Life Maintenance: The cover for life support is up to 10% of the sum insured for a maximum of 15 days for all the listed illnesses.
    • Other Expenses: The policy also covers the cost of Pacemaker, Organ, Artificial Limbs, and Ambulance for emergency evacuation.

    Exclusions of the Plan

    Individuals, who intend to buy New India Assurance Health Insurance, need to go through the detailed list of exclusions as mentioned in the policy document. Some of them are:

    • Waiting Period:
    • The initial waiting period applicable to the covered illnesses is 30 days from policy inception.
    • The period applied to pre-existing diseases is a straight 48 months.
    • Specific diseases are imposed with a waiting period of varying durations, best ascertained through the policy document.
    • Permanent Exclusions: The elaborate list for denial of coverage is available in the policy document. The insured must check them for clarity.

    Features & Benefits of the Plan

    Looking up the range of options is essential to buy New India Assurance Tertiary Care Insurance (Individual).  

    • Sum Insured: The insured has a choice of the sum insured in a range from Rs 50, 000 to Rs 5 Lakh in multiples of Rs 50,000.
    • Cumulative Bonus: The sum insured enhances by 5% for every claim-free year, subject to an accumulation of a maximum of 10 years.
    • Health Check-up: The health check-up cost will be borne by the insurer up to 1% of the sum insured. The facility is available once in a block of 4 consecutive claim-free years.
    • Tax Benefits: The premium paid for the policy is tax-exempt as per the current tax laws.

    Cancellation Terms of the Policy

    The insured has the liberty to cancel the policy at any time, provided there is no pending claim on the cancellation date. The insurer refunds the premium at the applicable short period rate.

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    New India Assurance Tertiary Care Insurance (Individual) 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.
     
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