Does the New India Assurance Mediclaim Policy cover pre-existing conditions?

Yes, pre-existing conditions are covered after a 48-month waiting period, provided the condition was disclosed at the time of policy inception and has been continuously covered thereafter.

What happens if I don’t use my health insurance benefits for the entire year?

If you don’t make any claims, some policies offer benefits like a no-claim bonus or increased coverage in the following year. Check with your insurer to understand the perks available. No-claim bonus increases the sum insured by 25% annually, up to a maximum of 50%.

Will my health insurance cover treatment abroad?

Coverage for overseas treatment varies by policy. Some plans provide global coverage, while others limit treatment to specific regions or exclude international care. Always review your policy details for clarification.This policy does not provide coverage for medical treatment outside India.

How does the waiting period affect my coverage?

Most health insurance policies have a waiting period for pre-existing conditions and specific treatments. This means coverage for these conditions starts only after the waiting period ends. The duration varies by policy, so it’s important to check the terms.Coverage starts after 30 days, with 24 months for specific diseases and 48 months for pre-existing conditions.

Are AYUSH treatments covered?

Yes. Expenses incurred for Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) treatments are covered as per policy terms.

Is there a No Claim Bonus (NCB)?

Yes. The policy may provide cumulative bonus benefits for claim-free years, subject to policy conditions.

OneAssure

Health Insurance

New India Assurance

Mediclaim

New India Assurance Mediclaim Policy

Experience India's most trusted health insurance with New India Assurance Health Insurance. Get instant cashless treatment at 9480 network hospitals with sum insured up to ₹50 lakhs.

92.9

Claim Settlement Ratio

9480

Network Hospitals

7

Customer Rating

Policy Policy Clause

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92.9

Claim Settlement Ratio

9480

Network Hospitals

7

Customer Rating

Policy Policy Clause

Our Verdict

Expert Review: New India Assurance Health Insurance

Final Verdict

New India Mediclaim offers comprehensive coverage, including hospitalization, maternity, and OPD benefits. Ideal for families and individuals, it provides affordable premiums and valuable add-ons like No-Claim Bonus and restoration benefit.

About

About New India Assurance Health Insurance

New India Mediclaim is a comprehensive health insurance plan by New India Assurance, offering coverage for hospitalization expenses, pre-and post-hospitalization, daycare treatments, and AYUSH therapies. The plan provides sum insured options ranging from ₹1 lakh to ₹15 lakh, ensuring financial protection against medical emergencies. It includes cashless treatment at network hospitals, no-claim bonus benefits, and coverage for advanced medical procedures. With flexible policy terms and family floater options, it is designed to meet diverse healthcare needs with affordable premiums.

New India Mediclaim is a comprehensive health insurance plan by New India Assurance, offering coverage for hospitalization expenses, pre-and post-hospitalization, daycare treatments, and AYUSH therapies. The plan provides sum insured options ranging from ₹1 lakh to ₹15 lakh, ensuring financial protection against medical emergencies. It includes cashless treatment at network hospitals, no-claim bonus benefits, and coverage for advanced medical procedures. With flexible policy terms and family floater options, it is designed to meet diverse healthcare...

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

Inclusions and Exclusions of New India Assurance Insurance Company Limited

Room Rent

Normal: Covered up to 1% of the sum insured per day.
ICU: Covered up to 2% of the sum insured per day.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

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.

AYUSH Treatment

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

Co-payment

10% co-payment applies for policyholders aged 60 years and above.

Room Rent

Normal: Covered up to 1% of the sum insured per day.
ICU: Covered up to 2% of the sum insured per day.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Waiting Period

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

Exclusions

Pre-existing diseases are covered only after a 48-month waiting period.
No coverage for illnesses (except accidents) during the first 30 days.
Cosmetic surgery, weight loss procedures, and dental treatments unless medically necessary.
Injuries due to suicide attempts or intentional self-harm are not covered.
No coverage for illnesses or injuries caused by alcohol or drug abuse.

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About the company

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...

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...