New India Premier Mediclaim Policy
New India Assurance
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Room rent is capped at 1% of the sum insured per day and ICU charges are capped at up to 2% of the sum insured per day.
Advanced Treatments
Covers robotic surgeries, chemotherapy, stem cell therapy, and specialized treatments, ensuring access to modern medical advancements
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
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.
Treatments related to infertility, surrogacy, or assisted reproductive technology.
Experimental, unproven, or non-standard medical treatments.
Injuries due to participation in hazardous sports or adventure activities.
War, nuclear radiation, or acts of terrorism-related injuries.
Non-prescribed supplements, vitamins, and alternative therapies.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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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