New India Assurance Health Insurance Waiting Period

New India Assurance Health Insurance Waiting Period

New India Assurance Health Insurance Waiting Period refers to the timeframe the insured needs to serve to file a claim with the insurance company. It varies for different diseases & medical conditions and can differ from one New India Assurance health insurance plan to another. However, accidental hospitalizations claims do not require serving any waiting period.

Types of New India Assurance Health Insurance Waiting Period

Check out the several types of waiting periods that apply to New India Assurance health insurance plans:

1. New India Assurance Health Insurance Pre-existing Diseases Waiting Period

   This type of waiting period must be served by the insured to claim the treatment cost of pre-existing diseases or PED, such as obesity, asthma, hypertension, diabetes, etc.

2. New India Assurance Health Insurance Specific Waiting Period

   Policyholders should serve this waiting period to pay for the medical expenses resulting from specific diseases and procedures, such as cataract surgery, osteoarthritis, varicose veins, joint replacement surgery, hernia, etc.

3. New India Assurance Health Insurance First Thirty Days Waiting Period

   This waiting period needs to be served by the insured before raising a health insurance claim for seasonal diseases and non-accidental injuries.

4. New India Assurance Health Insurance Critical Care Benefit Waiting Period

   The insured must serve this waiting period to claim their critical illness insurance policy to pay for the treatment of critical illnesses, including kidney failure, cancer, permanent paralysis, open chest CABG, etc.

5. New India Assurance Health Insurance Maternity Expenses Benefit Waiting Period

   This waiting period should be served to pay for the delivery expenses of the insured woman under a maternity insurance policy.

6. New India Assurance Health Insurance Diabetes and Hypertension Waiting Period

   The insured needs to serve this waiting period to cover the medical expenses incurred on the treatment of diabetes and hypertension.

7. New India Assurance Health Insurance Cardiac Conditions Waiting Period

   This type of waiting period must be served to claim the treatment cost of various cardiac conditions.

8. New India Assurance Health Insurance Newborn Baby Coverage Waiting Period

   Policyholders should serve this waiting period to raise a claim for the treatment of a newborn baby.

9. New India Assurance Health Insurance Newborn Baby Vaccination Expenses Waiting Period

   This type of waiting period needs to be served by the insured to pay for the vaccination expenses of the newborn baby.

10. New India Assurance Health Insurance Obesity Treatment Waiting Period

    Policyholders must serve this waiting period to claim the cost of undergoing an obesity treatment.

11. New India Assurance Health Insurance Revision in Cataract Limit Waiting Period

    This waiting period should be served to increase the limit for cataract surgery under the mediclaim policy.

12. New India Assurance Health Insurance Enhanced Maternity Limit Waiting Period

    The insured needs to serve this waiting period to enhance the maternity coverage limit of the policy.

13. New India Assurance Health Insurance Infertility Treatment Waiting Period

    This waiting period must be served to file a claim to pay for the cost of availing infertility treatment.

14. New India Assurance Health Insurance Mental Illness Treatment Waiting Period

    The insured should serve this waiting period to claim their mental health insurance policy and pay for the treatment of mental illnesses and psychological disorders, including depression, schizophrenia and bipolar disorder.

15. New India Assurance Health Insurance Cancer Cover Waiting Period

    This type of waiting period needs to be served to pay for the cancer treatment cost under a cancer insurance policy.

16. New India Assurance Health Insurance Birth Right Benefit Waiting Period

    Policyholders must serve this waiting period to cover the medical expenses incurred on the treatment of Down's syndrome, cerebral palsy and autism spectrum disorder.

17. New India Assurance Health Insurance Newborn Baby Congenital External Anomaly Waiting Period

    This waiting period should be served to pay for the treatment of the external congenital anomaly of the newborn baby.

18. New India Assurance Health Insurance Congenital Internal Disease Waiting Period

    Policyholders need to serve this waiting period to claim the medical expenses incurred on the treatment of internal congenital diseases.

19. New India Assurance Health Insurance External Congenital Disease Waiting Period

    This type of waiting period must be served to cover the treatment cost of external congenital diseases.

20. New India Assurance Health Insurance Genetic Diseases or Disorders Waiting Period

    The insured should serve this waiting period to pay for the treatment cost of genetic diseases or disorders.

21. New India Assurance Health Insurance Puberty and Menopause Related Disorders Waiting Period

    This type of waiting period needs to be served to file a claim to cover the medical expenses incurred on puberty and menopause-related disorders.

22. New India Assurance Health Insurance Behavioural and Neuro Developmental Disorders Waiting Period

    The insured must serve this waiting period to cover the treatment cost of behavioural and neurodevelopmental disorders.

23. New India Assurance Health Insurance Age Related Macular Degeneration Waiting Period

    This waiting period should be served to pay for the medical expenses incurred on age-related macular degeneration (ARMD).

24. New India Assurance Health Insurance Pre-existing Disability Waiting Period

    Policyholders need to serve this waiting period to cover the medical expenses resulting from a pre-existing disability.

List of New India Assurance Health Insurance Waiting Period

The following waiting periods apply to health insurance plans offered by New India Assurance health insurance plans:

Note: The New India Assurance health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the New India Assurance Health Insurance Waiting Period?

The New India Assurance Company Limited may give you the option to reduce your waiting period for different diseases or medical procedures on the payment of an additional premium. However, it is best to check with the insurance company to know if you can reduce your waiting period.

Things to Remember About New India Assurance Health Insurance Waiting Period

The following things policyholders must remember about the New India Assurance health insurance waiting period:

• Filing a claim for accidental hospitalization of the insured does not require serving the initial waiting period of 30 days.
• Diseases and medical conditions diagnosed after buying a New India Assurance health insurance policy are not considered pre-existing diseases.
• The insured needs to serve the waiting period as well as the survival period to file a critical illness insurance policy.

New India Assurance Health Insurance Waiting Period: FAQs