OneAssure

Health Insurance

New India Assurance

Global Mediclaim

New India Assurance Global Mediclaim Policy

92.9%

Claim Settlement Ratio

6,800+

Network Hospitals

5.5/10

Plan Rating

Policy Policy Wording

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Our Verdict

Expert Review: New India Assurance Global Mediclaim

Final Verdict

The New India Assurance Global Mediclaim Policy, while offering global coverage for critical illnesses at specified centers, presents cons like mandatory pre-policy tests and suitability primarily for those with existing high base coverage (₹8 lakhs+). It's designed for individuals seeking specialized overseas treatment options for listed ailments, provided they meet the stringent health criteria.

About

What Is Global Mediclaim?

New India Global Mediclaim Policy is a comprehensive health insurance plan designed to provide coverage for medical treatments both in India and abroad. It offers high sum insured options to ensure policyholders receive quality healthcare worldwide. The plan covers hospitalization expenses, advanced medical treatments, and critical illnesses, providing financial security during medical emergencies. With its global reach, policyholders can access top-tier hospitals internationally. Additionally, the plan includes optional add-ons for enhanced coverage, making it an ideal choice for extensive health protection.

Global Mediclaim Ratings

Global Mediclaim

Insurer Rating

6.7

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

New India Assurance Global Mediclaim Inclusions and Exclusions

AYUSH Treatment

Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Room Rent

New India Global Mediclaim Policy offers flexible room rent coverage, allowing policyholders to choose any hospital room, including ICU, without specific sub-limits.

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

Co-payment

The New India Global Mediclaim Policy has no mandatory co-payment for most age groups. However, a co-payment may apply for senior citizens or specific treatments

Cashless Healthcare Providers

Access to an extensive network of over 5,000+ hospitals across India for cashless treatment.

Waiting Period

Initial Waiting Period: 30 days (except for accidents).
Specific Diseases: 24 months waiting period.
Pre-existing Diseases: 48 months waiting period.

Daycare Treatment

Covers over 140 daycare procedures requiring hospitalization of less than 24 hours.

Exclusions

Pre-existing diseases are not covered during the initial waiting period as specified in the policy terms.
Treatments related to self-inflicted injuries, suicide attempts, or substance abuse are excluded.
Cosmetic or aesthetic procedures, unless medically necessary due to accidents, are not covered.
Expenses for dental treatment, unless required due to an accident, are not reimbursed.
Any treatment related to infertility, IVF, or assisted reproductive technologies is excluded.

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About the company

About New India Assurance

New India Assurance is one of India’s oldest and most trusted insurance companies. It was founded in 1919 and has grown into a large public sector company with a strong presence across India and overseas. The company offers a wide range of insurance products, including health, motor, travel, and home insurance, but health insurance is one of its key areas.
New India Health Insurance focuses on protecting individuals and families from medical expenses. They provide policies that cover hospitalisation, surgeries, pre- and post-hospitalisation costs, organ transplants, alternative treatments like AYUSH, and critical illnesses. The plans are designed for all age groups, from children to senior citizens, and include features like cumulative bonus, hospital cash, and optional covers to meet different needs.
The company is known for its reliable claim settlement and extensive network of hospitals, making it a popular choice for people who want financial security against rising healthcare costs.