How does the waiting period affect my coverage?

Pre-existing diseases are covered after 4 years; specific illnesses have a 2-year waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

No-claim discount is available on renewal premiums for claim-free years, reducing future premium costs.

Will my health insurance cover treatment abroad?

No international coverage; policy benefits apply only for medical treatments within India.

How does the core top-up feature interact with my existing health insurance policy or baseline financial thresholds?

The policy incorporates a high deductible configuration that allows applicants to select an initial out-of-pocket threshold, enabling the top-up cover to activate seamlessly as a cost-effective financial backup immediately after your primary medical protection limits are fully exhausted.

Is there a mandatory cost-sharing requirement enforced on standard claims processed under this top-up plan?

No, the policy does not mandate a co-payment clause for general claim processing, ensuring that the insurance company absorbs 100% of the admissible medical bill exceeding your selected deductible without requiring any out-of-pocket shared layout.

OneAssure

Health Insurance

New India Assurance

New India Top-up Mediclaim

New India Top Up Mediclaim Policy

Experience India's most trusted health insurance with New India Assurance Health Insurance. Get instant cashless treatment at 6800 network hospitals with sum insured up to ₹50 lakhs.

92.9%

Claim Settlement Ratio

6800+

Network Hospitals

6.9

Customer Rating

Policy Policy Wording

Get a Quote

92.9%

Claim Settlement Ratio

6800+

Network Hospitals

6.9

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: New India Assurance New India Top-up Mediclaim

Final 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

About New India Assurance New India Top-up Mediclaim

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.

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...

New India Top-up Mediclaim Ratings

Ratings: New India Assurance New India Top-up Mediclaim

Insurer Rating

6.7

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of New India Assurance New India Top-up Mediclaim

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.

Co-payment

No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.

Cashless Healthcare Providers

Access to 6,000+ network hospitals across India for cashless treatment and hassle-free hospitalization.

Waiting Period

Pre-existing diseases covered after 4 years;
Specific illnesses have a 2-year waiting period.

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.

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.

Co-payment

No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.

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.

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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...

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...