How does the waiting period affect my coverage?

Pre-existing diseases are covered after 4 years; specific illnesses have a 2-year waiting period.

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

No-claim discount is available on renewal premiums for claim-free years, reducing future premium costs.

Will my health insurance cover treatment abroad?

No international coverage; policy benefits apply only for medical treatments within India.

OneAssure

Health Insurance

New India Assurance

New India Top-up Mediclaim

New India Top Up 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

6.9

Customer Rating

Get a Quote

92.9

Claim Settlement Ratio

9480

Network Hospitals

6.9

Customer Rating

Our Verdict

Expert Review: New India Assurance Health Insurance

Final Verdict

The New India Top-up Mediclaim offers additional coverage beyond your base plan, with flexible deductible options and extensive benefits like critical illness and maternity cover. Ideal for those seeking extra protection at affordable rates.

About

About New India Assurance Health Insurance

The New India Top-up Mediclaim is a health insurance plan designed to provide additional coverage beyond a specified deductible limit. It covers hospitalization expenses, including pre- and post-hospitalization, daycare procedures, ICU charges, ambulance costs, and AYUSH treatments. Available for individuals and families, the policy offers sum insured options from ₹5 lakh to ₹22 lakh with deductible choices. It includes lifetime renewability, cashless treatment at network hospitals, and coverage for pre-existing diseases after 4 years, ensuring financial security against high medical expenses.

The New India Top-up Mediclaim is a health insurance plan designed to provide additional coverage beyond a specified deductible limit. It covers hospitalization expenses, including pre- and post-hospitalization, daycare procedures, ICU charges, ambulance costs, and AYUSH treatments. Available for individuals and families, the policy offers sum insured options from ₹5 lakh to ₹22 lakh with deductible choices. It includes lifetime renewability, cashless treatment at network hospitals, and coverage for pre-existing diseases after 4 years, ensuring...

Inclusions and Exclusions

Inclusions and Exclusions of New India Assurance Insurance Company Limited

Advanced Treatments

Covers modern medical procedures, including Robotic surgery, Stem cell therapy, and Organ transplants as per policy terms.

Room Rent

Normal: Shared accommodation,
ICU: Covered up to sum insured.

Co-payment

No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.

Waiting Period

Pre-existing diseases covered after 4 years;
Specific illnesses have a 2-year waiting period.

Cashless Healthcare Providers

Access to 6,000+ network hospitals across India for cashless treatment and hassle-free hospitalization.

Daycare Treatment

Covers 140+ procedures, including cataract surgery, dialysis, and chemotherapy, without requiring 24-hour hospitalization.

AYUSH Treatment

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments up to a specified limit under the policy.

Advanced Treatments

Covers modern medical procedures, including Robotic surgery, Stem cell therapy, and Organ transplants as per policy terms.

Room Rent

Normal: Shared accommodation,
ICU: Covered up to sum insured.

Co-payment

No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.

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Exclusions

Pre-existing diseases are not covered for the first 4 years.
Medical expenses related to self-inflicted injuries, suicide attempts, or substance abuse.
Treatments for cosmetic surgery, plastic surgery, unless medically necessary due to injury or illness.
Dental procedures, unless required due to an accident.
Expenses for alternative therapies beyond specified AYUSH limits.
HIV/AIDS & sexually transmitted diseases are not covered.
Injuries due to war, terrorism, nuclear exposure, or hazardous activities.
Maternity expenses (unless opted as an add-on benefit).

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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...