How does the waiting period affect my coverage?

The New India Global Mediclaim Policy includes waiting periods for pre-existing conditions and specific treatments, ensuring fair risk distribution and long-term coverage.

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

If no claims are made in a policy year, you may receive a No Claim Bonus, increasing coverage without additional premium costs.

Does the New India Global Mediclaim Policy cover treatment abroad?

Yes, this policy provides international coverage for specified medical treatments, ensuring financial protection for policyholders seeking treatment abroad.

Can I renew the New India Assurance Global Mediclaim Policy online?

Yes, you can easily renew the policy online via New India Assurance's website.

OneAssure

Health Insurance

New India Assurance

Global Mediclaim

New India Assurance Global 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

7.8

Customer Rating

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92.9

Claim Settlement Ratio

9480

Network Hospitals

7.8

Customer Rating

Our Verdict

Expert Review: New India Assurance Health Insurance

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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

About New India Assurance Health Insurance

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.

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...

Inclusions and Exclusions

Inclusions and Exclusions of New India Assurance Insurance Company Limited

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

Waiting Period

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

Cashless Healthcare Providers

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

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.

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.

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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.
Injuries or illnesses caused due to participation in hazardous activities or adventure sports are not covered.
Treatment for HIV/AIDS and other sexually transmitted diseases is excluded.
Expenses related to unproven, experimental, or alternative treatments without regulatory approval are not covered.

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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 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...

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...