New India Top Up Mediclaim Policy
New India Assurance
6.9/10
OneAssure Rating
6.9/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
Provides shared accommodation for normal hospitalization and ICU expenses up to the sum insured, ensuring affordability and comfort.
Co-payment
No mandatory co-payment, ensuring full claim settlements without policyholders having to pay additional expenses.
Policy Wording
Explore more features
Our Verdict
The New India Top-up Mediclaim offers additional coverage beyond your base plan, with flexible deductible options and extensive benefits like critical illness and maternity cover. Ideal for those seeking extra protection at affordable rates.
About the Plan
The New India Top-up Mediclaim is a health insurance plan designed to provide additional coverage beyond a specified deductible limit. It covers hospitalization expenses, including pre- and post-hospitalization, daycare procedures, ICU charges, ambulance costs, and AYUSH treatments. Available for individuals and families, the policy offers sum insured options from ₹5 lakh to ₹22 lakh with deductible choices. It includes lifetime renewability, cashless treatment at network hospitals, and coverage for pre-existing diseases after 4 years, ensuring financial security against high medical expenses.
About the Plan
Product Stats
Rating
Features of the Product
Advanced Treatments
Covers modern medical procedures, including Robotic surgery, Stem cell therapy, and Organ transplants as per policy terms.
Room Rent
- Normal: Shared accommodation,
- ICU: Covered up to sum insured.
- Normal: Shared accommodation,
Co-payment
No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.
Waiting Period
- Pre-existing diseases covered after 4 years;
- Specific illnesses have a 2-year waiting period.
- Pre-existing diseases covered after 4 years;
Cashless Healthcare Providers
Access to 6,000+ network hospitals across India for cashless treatment and hassle-free hospitalization.
Daycare Treatment
Covers 140+ procedures, including cataract surgery, dialysis, and chemotherapy, without requiring 24-hour hospitalization.
AYUSH Treatment
Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments up to a specified limit under the policy.
Exclusions
Pre-existing diseases are not covered for the first 4 years.
Medical expenses related to self-inflicted injuries, suicide attempts, or substance abuse.
Treatments for cosmetic surgery, plastic surgery, unless medically necessary due to injury or illness.
Dental procedures, unless required due to an accident.
Expenses for alternative therapies beyond specified AYUSH limits.
HIV/AIDS & sexually transmitted diseases are not covered.
Injuries due to war, terrorism, nuclear exposure, or hazardous activities.
Maternity expenses (unless opted as an add-on benefit).
Treatments related to obesity, weight control surgeries, and experimental procedures.
Hospitalization for infertility treatments, hormone replacement therapy, or sterilization procedures.
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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Frequently Asked Questions
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