How does the waiting period affect my coverage?

Initial waiting period of 30 days, 24 months for specific diseases, and 48 months for pre-existing conditions.

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

No-claim bonus and increase in sum insured available if no claims are made during the policy term.

Will my health insurance cover treatment abroad?

Policy does not cover treatment abroad; only covers treatment within the geographical limits of India.

Are there any add-ons available with the New India Assurance Sixty Plus Mediclaim Policy?

Optional add-ons include a voluntary co-payment discount offering a 10% premium reduction.

What specific entry age parameters govern eligibility for this dedicated senior citizen insurance framework?

The policy establishes a highly specialized senior enrollment window restricted to older applicants who are aged 60 years and above, providing tailored financial protection designed to meet your target medical care requirements during retirement layout years.

What mandatory cost-sharing parameters are applied to approved claims processed under this policy layout?

The policy enforces a mandatory 20% co-payment clause across all processed claims, requiring senior policyholders to bear that specific financial percentage layout out of pocket while the insurance company settles the remaining 80% of the admissible bill.

OneAssure

Health Insurance

New India Assurance

Sixty Plus Mediclaim

New India Assurance Sixty Plus 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

7

Customer Rating

Policy Policy Wording

Get a Quote

92.9

Claim Settlement Ratio

6800

Network Hospitals

7

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: New India Assurance Sixty Plus Mediclaim

Final Verdict

The New India Sixty Plus Mediclaim Policy offers senior citizens comprehensive coverage, including hospitalization and critical illness benefits. With co-payment and waiting periods, it's ideal for older individuals seeking affordable, secure health protection.

About

About New India Assurance Sixty Plus Mediclaim

The New India Sixty Plus Mediclaim Policy is designed for senior citizens aged 60 years and above, offering comprehensive health coverage. It covers hospitalization expenses, room rent, ICU charges, day care treatments, AYUSH therapies, and advanced medical procedures. The policy includes a co-payment clause, requiring policyholders to bear a percentage of medical expenses. Pre-existing diseases are covered after a waiting period, and cashless treatment is available at network hospitals. This plan ensures financial security for seniors against rising medical costs.

The New India Sixty Plus Mediclaim Policy is designed for senior citizens aged 60 years and above, offering comprehensive health coverage. It covers hospitalization expenses, room rent, ICU charges, day care treatments, AYUSH therapies, and advanced medical procedures. The policy includes a co-payment clause, requiring policyholders to bear a percentage of medical expenses. Pre-existing diseases are covered after a waiting period, and cashless treatment is available at network hospitals. This plan ensures financial security for...

Sixty Plus Mediclaim Ratings

Ratings: New India Assurance Sixty Plus Mediclaim

Insurer Rating

6.7

out of 10

Insurance Rating

0

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

No

No Disease Sublimits

No

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 Sixty Plus Mediclaim

Daycare Treatment

Covers more than 140 medical procedures requiring hospitalization of less than 24 hours.

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
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

A mandatory 20% co-payment applies to all claims.

Cashless Healthcare Providers

Cashless treatment available at over 5,000+ network hospitals across India.

Waiting Period

Initial Waiting Period: 30 days (except for accidental injuries).
Specific Diseases: 24 months waiting period.
Pre-existing Diseases: Covered after 48 months.

AYUSH Treatment

Alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy covered up to the sum insured.

Daycare Treatment

Covers more than 140 medical procedures requiring hospitalization of less than 24 hours.

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
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.

Exclusions

Treatment for pre-existing conditions within the waiting period.
Injuries caused by war, terrorism, or nuclear contamination.
Treatments for cosmetic or aesthetic purposes.
Self-inflicted injuries or attempted suicide.
Expenses related to non-allopathic treatments (unless opted for in the policy).

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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...