New India Assurance Tertiary Care Insurance (Individual)

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      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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      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.

      FAQs

      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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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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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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