New India Assurance Global Mediclaim Policy
New India Assurance
7.8/10
OneAssure Rating
7.8/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers a single private room and ICU charges up to the sum insured, ensuring quality hospitalization benefits.
Day Care Treatments
Covers over 140 medical procedures that require hospitalization of less than 24 hours, including cataract surgery and chemotherapy.
Policy Wording
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Our Verdict
The New India Assurance Global Mediclaim Policy, while offering global coverage for critical illnesses at specified centers, presents cons like mandatory pre-policy tests and suitability primarily for those with existing high base coverage (₹8 lakhs+). It's designed for individuals seeking specialized overseas treatment options for listed ailments, provided they meet the stringent health criteria.
About the Plan
New India Global Mediclaim Policy is a comprehensive health insurance plan designed to provide coverage for medical treatments both in India and abroad. It offers high sum insured options to ensure policyholders receive quality healthcare worldwide. The plan covers hospitalization expenses, advanced medical treatments, and critical illnesses, providing financial security during medical emergencies. With its global reach, policyholders can access top-tier hospitals internationally. Additionally, the plan includes optional add-ons for enhanced coverage, making it an ideal choice for extensive health protection.
About the Plan
Product Stats
Rating
Features of the Product
AYUSH Treatment
Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.
Room Rent
New India Global Mediclaim Policy offers flexible room rent coverage, allowing policyholders to choose any hospital room, including ICU, without specific sub-limits.
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 Global Mediclaim Policy has no mandatory co-payment for most age groups. However, a co-payment may apply for senior citizens or specific treatments
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.
Exclusions
Pre-existing diseases are not covered during the initial waiting period as specified in the policy terms.
Treatments related to self-inflicted injuries, suicide attempts, or substance abuse are excluded.
Cosmetic or aesthetic procedures, unless medically necessary due to accidents, are not covered.
Expenses for dental treatment, unless required due to an accident, are not reimbursed.
Any treatment related to infertility, IVF, or assisted reproductive technologies is excluded.
Injuries or illnesses caused due to participation in hazardous activities or adventure sports are not covered.
Treatment for HIV/AIDS and other sexually transmitted diseases is excluded.
Expenses related to unproven, experimental, or alternative treatments without regulatory approval are not covered.
Any hospital admission primarily for diagnostic purposes without active treatment is excluded.
Non-medical expenses such as dietary supplements, health tonics, and convenience-related costs are not covered.
Exclusions
Related Variants
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Why OneAssure?
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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 for its reliable claim settlement and extensive network of hospitals, making it a popular choice for people who want financial security against rising healthcare costs.
About the Company
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