New India Assurance Mediclaim Policy
New India Assurance
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Comprehensive Room Rent Coverage
ICU and normal room rent covered as per policy limits.
Extensive Daycare Coverage
Coverage for 140+ daycare procedures requiring hospitalization of less than 24 hours.
Policy Clause
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Our Verdict
New India Mediclaim offers comprehensive coverage, including hospitalization, maternity, and OPD benefits. Ideal for families and individuals, it provides affordable premiums and valuable add-ons like No-Claim Bonus and restoration benefit.
About the Plan
New India Mediclaim is a comprehensive health insurance plan by New India Assurance, offering coverage for hospitalization expenses, pre-and post-hospitalization, daycare treatments, and AYUSH therapies. The plan provides sum insured options ranging from ₹1 lakh to ₹15 lakh, ensuring financial protection against medical emergencies. It includes cashless treatment at network hospitals, no-claim bonus benefits, and coverage for advanced medical procedures. With flexible policy terms and family floater options, it is designed to meet diverse healthcare needs with affordable premiums.
About the Plan
Product Stats
Rating
Features of the Product
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 d. 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.
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.
Co-payment
10% co-payment applies for policyholders aged 60 years and above.
Exclusions
Pre-existing diseases are covered only after a 48-month waiting period.
No coverage for illnesses (except accidents) during the first 30 days.
Cosmetic surgery, weight loss procedures, and dental treatments unless medically necessary.
Injuries due to suicide attempts or intentional self-harm are not covered.
No coverage for illnesses or injuries caused by alcohol or drug abuse.
Medical expenses due to war, terrorism, or radiation exposure are excluded.
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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