How does the waiting period affect my coverage?

Initial waiting period of 30 days, 24 months for specific diseases, and 48 months for pre-existing conditions.

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

No-claim bonus and increase in sum insured available if no claims are made during the policy term.

Will my health insurance cover treatment abroad?

Policy does not cover treatment abroad; only covers treatment within the geographical limits of India.

Are there any add-ons available with the New India Assurance Sixty Plus Mediclaim Policy?

Optional add-ons include a voluntary co-payment discount offering a 10% premium reduction.

OneAssure

Health Insurance

New India Assurance

Sixty Plus Mediclaim

New India Assurance Sixty Plus 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

The New India Sixty Plus Mediclaim Policy offers senior citizens comprehensive coverage, including hospitalization and critical illness benefits. With co-payment and waiting periods, it's ideal for older individuals seeking affordable, secure health protection.

About

About New India Assurance Health Insurance

The New India Sixty Plus Mediclaim Policy is designed for senior citizens aged 60 years and above, offering comprehensive health coverage. It covers hospitalization expenses, room rent, ICU charges, day care treatments, AYUSH therapies, and advanced medical procedures. The policy includes a co-payment clause, requiring policyholders to bear a percentage of medical expenses. Pre-existing diseases are covered after a waiting period, and cashless treatment is available at network hospitals. This plan ensures financial security for seniors against rising medical costs.

The New India Sixty Plus Mediclaim Policy is designed for senior citizens aged 60 years and above, offering comprehensive health coverage. It covers hospitalization expenses, room rent, ICU charges, day care treatments, AYUSH therapies, and advanced medical procedures. The policy includes a co-payment clause, requiring policyholders to bear a percentage of medical expenses. Pre-existing diseases are covered after a waiting period, and cashless treatment is available at network hospitals. This plan ensures financial security for seniors...

Inclusions and Exclusions

Inclusions and Exclusions of New India Assurance Insurance Company Limited

Daycare Treatment

Covers more than 140 medical procedures requiring hospitalization of less than 24 hours.

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
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.

Co-payment

A mandatory 20% co-payment applies to all claims.

Waiting Period

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

Cashless Healthcare Providers

Cashless treatment available at over 5,000+ network hospitals across India.

AYUSH Treatment

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

Daycare Treatment

Covers more than 140 medical procedures requiring hospitalization of less than 24 hours.

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
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.

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Exclusions

Treatment for pre-existing conditions within the waiting period.
Injuries caused by war, terrorism, or nuclear contamination.
Treatments for cosmetic or aesthetic purposes.
Self-inflicted injuries or attempted suicide.
Expenses related to non-allopathic treatments (unless opted for in the policy).
Treatment for conditions arising from alcohol or drug abuse.
Expenses incurred due to participation in dangerous activities like racing or adventure sports.

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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...