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New India Health Insurance Claim Settlement

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About Claim Settlement

About Claim Settlement

The claim settlement ratio is often used to judge an insurance company, but it can be misleading. Each insurer calculates it differently, and it doesn’t always show how well they handle claims or support customers....

Customer Testimonials

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…

…always been available to assist with any insurance/claim queries.

Nakul N

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

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

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

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

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

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance.

All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Our Verdict

Our Verdict on New India Health Insurance Claim Settlement Ratio & Process

Pros

Comprehensive coverage options, including day-care, donor cover, and domiciliary treatment.

Wide hospital network and reliable digital claim support.

Simple and transparent cashless and reimbursement claim process.

Strong claim settlement performance with high annual claim payouts.

Cons

Older plans have less clarity, and customers may need assistance understanding plan-wise inclusions.

Room-rent limits and sub-limits apply in some plans, affecting high-value claims.

Longer waiting periods for certain pre-existing and specified diseases.

Final Verdict

New India Health Insurance offers a dependable and well-structured claim settlement experience, supported by its long-standing reputation as a government-owned insurer. The claim settlement process—whether cashless or reimbursement—is generally smooth, thanks to its extensive network...

Claim Settlement Process

How to file New India Assurance claims?

Documents Required for New India Health Insurance Claims

New India Assurance Health Card / e-Card

Required as policy proof during hospital admission and verification.

Valid Government ID Proof

Aadhaar, PAN, Passport, Voter ID, or Driving License to confirm the identity of the insured person.

Policy Schedule or Policy Number

Allows verification of plan details, coverage limits, and eligibility.

Doctor’s Admission Advice / Consultation Papers

Clearly mention the diagnosis and need for hospitalization.

Hospital Treatment Estimate

Specifies the projected medical expenses, surgery cost, and duration of treatment.

Pre-Authorization Form (Cashless Claims)

Must be completed by the treating hospital and signed by the policyholder for cashless approval.

Discharge Summary & Final Medical Bills

Provide details of treatment offered, procedures performed, and total payable amount.

How to Check Status

How to Check New India Health Insurance Claim Status

You can easily track your New India Health Insurance claim settlement status online through the company’s official portal.

New India Claim Settlement Statistics

92.90 %

9480

1- 50 Lakh Coverage

How Claim Settlement Ratio (CSR) Is Calculated

Understanding CSR

CSR is a percentage that measures the insurer’s efficiency and reliability in paying claims.

Formula for CSR

CSR = (Total Claims Settled ÷ Total Claims Received) × 100

Example for Clarity

If 10,000 claims are received and 9,900 are settled:

CSR = (9,900 ÷ 10,000) × 100 = 99%

Why It Matters

A higher CSR indicates faster settlements, dependable service, and strong financial stability of the insurer.

Why New India Health Insurance Claims Get Rejected

Incorrect or Missing Documentation

Claims may be rejected if required documents like bills, reports, or ID proofs are missing or inaccurate.

Errors in Identity or Policy Details

Mismatch between personal information and policy records can lead to delays or denials.

Missing Proof for Dependents

Family policies require correct age and relationship proofs; missing documents may cause non-acceptance.

Unverified Financial or Bank Details

If required documents like bank statements, NEFT details, or financial proofs cannot be verified, the claim may be declined.

Network Hospitals

Delhi

Delhi

Sir Ganga Ram Hospital

Delhi

Delhi

National Heart Institute

Mumbai

Mumbai

Sir H.N. Reliance Foundation Hospital and Research Centre

Mumbai

Mumbai

Fortis S L Raheja Hospital

Chennai

Chennai

Apollo Speciality Hospital

Related Plans

Related Health Insurance Plans

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Claim Settlement

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Frequently Asked Questions

Frequently Asked Questions

Get answers to common questions about our insurance policies and services.

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