1. 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.

2. 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%.

3. 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.

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.

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

Get a Quote

92.9

Claim Settlement Ratio

9480

Network Hospitals

7

Customer Rating

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...

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.

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.

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.

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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.
Medical expenses due to war, terrorism, or radiation exposure are excluded.

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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...