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
Explore more features
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 & ICU)
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.
Co-payment
10% co-payment applies for policyholders aged 60 years and above.
Waiting Periods
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.
Day Care Treatments
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.
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
No-Claim Bonus (NCB) - Increases sum insured for every claim-free year, offering additional coverage without extra premium.
Restoration Benefit - Restores the sum insured if exhausted during the policy year due to multiple claims.
Maternity & Newborn Cover - Covers maternity expenses, including delivery and newborn baby care, after a waiting period.
Hospital Cash Benefit - Provides a daily cash allowance for incidental expenses during hospitalization.
OPD Cover - Reimbursement for outpatient consultations, diagnostics, and prescribed medications, subject to policy terms.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
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About the Company
New India Assurance was founded in 1919 and is one of India's premier multinational general insurance companies. It was founded by Sir Dorabji Tata. The Company’s headquarter is in Mumbai, Maharashtra.
New India Assurance is a leading multinational general insurance company offering a wide range of products, including motor, health, travel, and property insurance. It caters to individuals, businesses, and government sectors. The company aims to provide affordable and reliable insurance solutions, with a focus on customer satisfaction and comprehensive coverage. Its plans are designed to meet diverse needs, providing financial security and risk protection to a broad customer base.
About the Company
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