How does the waiting period affect my coverage?

New India Premier Mediclaim includes a 30-day initial waiting period, 48 months for pre-existing conditions, and specific waiting periods for certain illnesses.

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

If no claims are made, you may receive a No Claim Bonus, which increases your sum insured without additional premium costs.

Does the New India Premier Mediclaim plan cover treatment abroad?

This plan primarily covers treatments within India. However, some higher variants may offer limited coverage for medical emergencies abroad.

Are there any renewal benefits in the New India Premier Mediclaim Policy?

Continuity, cumulative bonus, health check-ups, lifelong renewability, grace period.

OneAssure

Health Insurance

New India Assurance

Premier Mediclaim Plan

New India Premier 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

7.4

Customer Rating

Get a Quote

92.9

Claim Settlement Ratio

9480

Network Hospitals

7.4

Customer Rating

Our Verdict

Expert Review: New India Assurance Health Insurance

Use our free BMI calculator for men and women to quickly check your Body Mass Index. Discover whether you're underweight, normal, overweight, or obese based on your height and weight - only at Oneassure.

Final Verdict

New India Premier Mediclaim offers high sum insured options and covers advanced treatments with add-ons like global treatment and critical illness. It's a robust choice for individuals and families seeking extensive, high-value health coverage with international options.

About

About New India Assurance Health Insurance

New India Premier Mediclaim is a comprehensive health insurance plan designed to offer extensive coverage for individuals and families. It provides high sum insured options, covering hospitalization expenses, advanced medical treatments, and daycare procedures. The plan includes room rent benefits, ICU charges, and pre- and post-hospitalization costs. It also offers coverage for modern treatments and organ donor expenses. With a range of add-ons, no-claim bonuses, and global coverage options in select variants, this plan ensures financial security against major medical expenses.

New India Premier Mediclaim is a comprehensive health insurance plan designed to offer extensive coverage for individuals and families. It provides high sum insured options, covering hospitalization expenses, advanced medical treatments, and daycare procedures. The plan includes room rent benefits, ICU charges, and pre- and post-hospitalization costs. It also offers coverage for modern treatments and organ donor expenses. With a range of add-ons, no-claim bonuses, and global coverage options in select variants, this plan ensures...

Inclusions and Exclusions

Inclusions and Exclusions of New India Assurance Insurance Company Limited

Room Rent

Normal: Room rent is covered up to 1% of the sum insured per day, while
ICU charges are covered up to 2% of the sum insured per day.

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 Premier Mediclaim plan has a co-payment of 10% applicable to all claims if the insured person is over 60 years old at the time of entry into the policy.

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

Normal: Room rent is covered up to 1% of the sum insured per day, while
ICU charges are covered up to 2% of the sum insured per day.

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 Premier Mediclaim plan has a co-payment of 10% applicable to all claims if the insured person is over 60 years old at the time of entry into the policy.

Pageof 3

Exclusions

Pre-existing diseases are not covered until the completion of the waiting period.
Cosmetic and aesthetic treatments, unless medically necessary, are excluded.
Dental, hearing, and vision-related treatments unless caused by an accident.
Injuries or illnesses resulting from drug or alcohol abuse.
Self-inflicted injuries, suicide attempts, or harm due to negligence.
Treatments related to infertility, surrogacy, or assisted reproductive technology.
Experimental, unproven, or non-standard medical treatments.
Injuries due to participation in hazardous sports or adventure activities.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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...