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.

What distinct high-value tier divisions govern the available sum insured choices under this policy?

The plan incorporates two primary structural configurations where Plan A offers targeted high-value protection boundaries of ₹15 Lakh and ₹25 Lakh, while Plan B scales up to maximize financial protection with substantial coverage tiers of ₹50 Lakh and ₹1 Crore.

What specific financial bonuses are disbursed upon the first-time clinical diagnosis of a major medical condition?

The policy incorporates a dedicated critical care benefit that pays a lump-sum financial cushion over and above your base sum insured upon the first-time diagnosis of listed critical illnesses, automatically granting ₹2 Lakh for Plan A or ₹5 Lakh for Plan B.

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 6800 network hospitals with sum insured up to ₹50 lakhs.

92.9

Claim Settlement Ratio

6800

Network Hospitals

7.4

Customer Rating

Policy Policy Wording

Get a Quote

92.9

Claim Settlement Ratio

6800

Network Hospitals

7.4

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: New India Assurance Health Insurance

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...

Premier Mediclaim Plan Ratings

Premier Mediclaim Plan

Insurer Rating

4.88

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

swipe

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.

Cashless Healthcare Providers

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

Waiting Period

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

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.

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.

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.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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...

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...