What does New India Health Insurance mainly cover?

It covers hospitalisation, surgeries, room rent, ICU, medicines, tests, pre- and post-hospitalisation, daycare, and several add-on benefits depending on the plan chosen.

Are pre-existing diseases covered?

Yes, pre-existing diseases are covered after completing the specific waiting period mentioned in the policy, usually ranging from two to four years depending on the chosen plan.

Does the policy cover daycare treatments?

Yes, New India covers various daycare procedures that don’t need 24-hour admission, including minor surgeries, injections, diagnostics, and advanced treatments performed through modern medical technology.

Is maternity coverage included?

Maternity benefits are available in selected plans or as add-ons, covering delivery costs, newborn care, and related medical expenses after completing the applicable waiting period.

Are newborn babies covered?

Yes, newborns can be added to the policy after birth. Coverage starts once required documents are submitted and the insurer approves addition as per plan rules.

What is the room rent limit?

Room rent limits vary across plans. Some offer fixed capping, while higher variants allow private room eligibility, helping you choose rooms without high out-of-pocket expenses.

Is AYUSH treatment covered?

Yes, many plans include AYUSH coverage, allowing treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy when taken at government-recognised or NABH-accredited hospitals.

Does the policy cover ambulance charges?

Yes, ambulance charges for medical emergencies are covered up to the limit specified under the plan, ensuring timely transportation to the nearest hospital during critical situations.

Are COVID-19 hospitalisation expenses covered?

Yes, COVID-19 treatment is covered according to policy terms and IRDAI guidelines, including hospitalisation, medicines, diagnostics, and supportive care at authorised hospitals.

Is there coverage for organ donor expenses?

Yes, most plans cover organ donor medical expenses incurred during transplantation, ensuring donor-related hospitalisation costs are taken care of as per policy limits.

Are annual health check-ups included?

Some plans offer preventive health check-ups after a set claim-free period, helping policyholders track health indicators and detect medical issues early.

Can I enhance my coverage?

Yes, you can increase your sum insured or add optional covers during renewal, allowing improved protection as your healthcare needs or family requirements grow.

Are alternative treatments at non-AYUSH hospitals covered?

Generally, non-AYUSH alternative treatments aren’t covered unless clearly mentioned. Coverage is typically limited to recognised AYUSH hospitals meeting policy standards.

Can I add family members to my policy?

Yes, spouses, children, dependent parents, and sometimes in-laws can be added under family floater options, offering shared coverage and simplified policy management.

Does the policy offer cashless treatment?

Yes, cashless treatment is available at New India’s wide network of hospitals, allowing direct claim settlement so you can focus on treatment instead of payments.

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New India Health Insurance & Coverage Benefits

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92.90 %

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New India Health Insurance & Coverage Benefits

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

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

verdict

Our Verdict: New India Health Insurance Coverage

Pros

Good optional add-ons to customise coverage as per needs.

Premiums are generally affordable compared to many competitors.

Strong claim support with a large network of hospitals.

Wide range of plans suitable for individuals, families, and seniors.

Cons

Limited wellness benefits in certain policies.

Claim processing times may vary across locations.

Digital experience can feel outdated compared to newer insurers.

Some plans have longer waiting periods.

Pros

Good optional add-ons to customise coverage as per needs.

Premiums are generally affordable compared to many competitors.

Strong claim support with a large network of hospitals.

Wide range of plans suitable for individuals, families, and seniors.

Cons

Limited wellness benefits in certain policies.

Claim processing times may vary across locations.

Digital experience can feel outdated compared to newer insurers.

Some plans have longer waiting periods.

Final Verdict

New India Health Insurance offers reliable and comprehensive protection at competitive prices, making it a solid choice for budget-conscious buyers as well as families looking for dependable coverage. Its wide hospital network and diverse plan options provide flexibility for different health needs. However, the insurer can improve its digital experience...

New India Health Insurance offers reliable and comprehensive protection at competitive prices, making it a solid choice for budget-conscious buyers as well as families looking for dependable coverage. Its wide hospital network and diverse plan...

Key Coverages & Benefits Offered Under New India Health Insurance

Learn the main coverage and exclusions of New India Health Insurance to confidently select a plan that suits your requirements.

Inclusions

Cashless claims at network hospitals.

Wellness rewards through HealthReturns™.

Modern and alternative treatments like AYUSH and home care.

Maternity and newborn care in eligible plans.

Chronic disease management for select conditions like diabetes and hypertension.

Day-care procedures not requiring 24-hour admission.

Hospitalisation expenses including room rent, ICU, and surgeries.

Exclusions

Pre-existing conditions during the initial waiting period.

Routine vision correction, hearing aids, and dental care unless medically necessary.

Experimental, unproven, or alternative therapies not recognised medically.

Sexually transmitted diseases, HIV/AIDS, and related complications.

Self-inflicted injuries or conditions caused by alcohol or drug use.

Infertility treatments, IVF, or elective sterilisation procedures.

Cosmetic or aesthetic procedures performed for appearance enhancement.

Inclusions

Cashless claims at network hospitals.

Wellness rewards through HealthReturns™.

Modern and alternative treatments like AYUSH and home care.

Maternity and newborn care in eligible plans.

Chronic disease management for select conditions like diabetes and hypertension.

Day-care procedures not requiring 24-hour admission.

Hospitalisation expenses including room rent, ICU, and surgeries.

Exclusions

Pre-existing conditions during the initial waiting period.

Routine vision correction, hearing aids, and dental care unless medically necessary.

Experimental, unproven, or alternative therapies not recognised medically.

Sexually transmitted diseases, HIV/AIDS, and related complications.

Self-inflicted injuries or conditions caused by alcohol or drug use.

Infertility treatments, IVF, or elective sterilisation procedures.

Cosmetic or aesthetic procedures performed for appearance enhancement.

Claims Process

How to file New India Assurance claims?

New India Health Insurance & Coverage Benefits

How Coverage and Benefits Vary in New India Health Insurance

Plan Type & Sum Insured Options

Coverage varies depending on the plan you choose and the sum insured selected. Higher coverage limits offer broader protection, including advanced treatments and higher room rent eligibility.

Age, Medical History & Underwriting

Benefits can change based on your age, existing conditions, and medical disclosures. Certain illnesses may have waiting periods or customised terms depending on your risk profile.

Add-Ons & Optional Covers

New India Health Insurance allows you to enhance your base plan with add-ons. These optional benefits can extend coverage for modern treatments, home care, or restoration features.

Plan Type & Sum Insured Options

Coverage varies depending on the plan you choose and the sum insured selected. Higher coverage limits offer broader protection, including advanced treatments and higher room rent eligibility.

Age, Medical History & Underwriting

Benefits can change based on your age, existing conditions, and medical disclosures. Certain illnesses may have waiting periods or customised terms depending on your risk profile.

Add-Ons & Optional Covers

New India Health Insurance allows you to enhance your base plan with add-ons. These optional benefits can extend coverage for modern treatments, home care, or restoration features.

How to Choose

How to Choose the Right Health Insurance Coverage

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What is the Waiting Period in New India Health Insurance?

A waiting period is the mandatory time you must wait after purchasing your New India Health Insurance policy before certain treatments, illnesses, or benefits become eligible for claims. During this period, you cannot file a claim for those specific conditions.

Initial Waiting Period

Most plans come with a 30-day initial waiting period for all illnesses, while accidental hospitalisation is covered from day one.

Pre-Existing Disease (PED) Waiting Period

Depending on the plan, the waiting period for pre-existing conditions typically ranges from 24 to 36 months of continuous coverage.

Specified Disease / Procedure Waiting Period

Certain treatments, such as cataract, hernia, joint surgeries, and other listed procedures—carry a waiting period of 18 to 36 months, depending on the policy variant.

Bariatric Surgery Waiting Period

In plans where bariatric surgery is covered (such as New India Guardian), the waiting period is usually 2 years.

Organ Transplant Waiting Period

Some plans include a 3-year waiting period before organ transplant benefits become claimable.

Newborn Baby Cover Waiting Period

Where applicable, newborn baby cover may have a 1-year waiting period.

Maternity Waiting Period

For plans offering maternity benefits, the waiting period varies. For example, some plans have a 2-year maternity waiting period if both parents are covered, and 4 years when only the woman is insured.

Initial Waiting Period

Most plans come with a 30-day initial waiting period for all illnesses, while accidental hospitalisation is covered from day one.

Pre-Existing Disease (PED) Waiting Period

Depending on the plan, the waiting period for pre-existing conditions typically ranges from 24 to 36 months of continuous coverage.

Specified Disease / Procedure Waiting Period

Certain treatments, such as cataract, hernia, joint surgeries, and other listed procedures—carry a waiting period of 18 to 36 months, depending on the policy variant.

Bariatric Surgery Waiting Period

In plans where bariatric surgery is covered (such as New India Guardian), the waiting period is usually 2 years.

Organ Transplant Waiting Period

Some plans include a 3-year waiting period before organ transplant benefits become claimable.

Newborn Baby Cover Waiting Period

Where applicable, newborn baby cover may have a 1-year waiting period.

Maternity Waiting Period

For plans offering maternity benefits, the waiting period varies. For example, some plans have a 2-year maternity waiting period if both parents are covered, and 4 years when only the woman is insured.

Diseases Covered/not Covered

Diseases Covered/Not Covered Under New India Health Insurance

Diseases Covered

Accidental Injuries

Day-Care Procedures

Critical Illnesses & Major Treatments

Surgical Procedures & Hospitalisation

General Illnesses & Injuries

Chronic Diseases (Post-Waiting Period)

Diseases Not Covered

Non-Medically Necessary Treatments

Experimental or Alternative Therapies

Substance Abuse & Alcohol/Drug-Related Conditions

Sexually Transmitted Diseases and HIV/AIDS

Infertility and Reproductive Treatments

Cosmetic or Aesthetic Procedures

Pre-Existing Diseases (Initial Phase)

Diseases Covered

Accidental Injuries

Day-Care Procedures

Critical Illnesses & Major Treatments

Surgical Procedures & Hospitalisation

General Illnesses & Injuries

Chronic Diseases (Post-Waiting Period)

Diseases Not Covered

Non-Medically Necessary Treatments

Experimental or Alternative Therapies

Substance Abuse & Alcohol/Drug-Related Conditions

Sexually Transmitted Diseases and HIV/AIDS

Infertility and Reproductive Treatments

Cosmetic or Aesthetic Procedures

Pre-Existing Diseases (Initial Phase)

Pre-existing Diseases

Pre-Existing Diseases Covered Under New India Health Insurance

Diabetes Mellitus

Covered under the Chronic Management Program (CMP) in several plans. Hospitalisation for diabetes‑related complications may require a waiting period.

Hypertension (High Blood Pressure)

Chronic high blood pressure is included in CMP. Both OPD management and in‑patient hospitalisation (after waiting) are possible.

Hyperlipidaemia / High Cholesterol

Raised lipid levels (cholesterol / triglycerides) are covered in CMP for OPD care, and in-patient treatment after the waiting period, depending on the plan.

Asthma

Chronic care coverage for asthma is provided under CMP. Severe or hospital-required flare-ups are also covered under eligible plans.

Chronic Obstructive Pulmonary Disease (COPD)

Covered in some variants under chronic-care benefits. OPD services for COPD are part of the Chronic Management Program.

Obesity-Related Conditions

Obesity is covered in some plans for chronic-care management, especially when linked with other health risks or hospitalisation requirements.

Coronary Artery Disease (post-PTCA)

Certain plans provide coverage for coronary artery disease, particularly if PTCA (angioplasty) was done more than a year ago, under chronic-care or specialised add-ons.

Diabetes Mellitus

Covered under the Chronic Management Program (CMP) in several plans. Hospitalisation for diabetes‑related complications may require a waiting period.

Hypertension (High Blood Pressure)

Chronic high blood pressure is included in CMP. Both OPD management and in‑patient hospitalisation (after waiting) are possible.

Hyperlipidaemia / High Cholesterol

Raised lipid levels (cholesterol / triglycerides) are covered in CMP for OPD care, and in-patient treatment after the waiting period, depending on the plan.

Asthma

Chronic care coverage for asthma is provided under CMP. Severe or hospital-required flare-ups are also covered under eligible plans.

Chronic Obstructive Pulmonary Disease (COPD)

Covered in some variants under chronic-care benefits. OPD services for COPD are part of the Chronic Management Program.

Obesity-Related Conditions

Obesity is covered in some plans for chronic-care management, especially when linked with other health risks or hospitalisation requirements.

Coronary Artery Disease (post-PTCA)

Certain plans provide coverage for coronary artery disease, particularly if PTCA (angioplasty) was done more than a year ago, under chronic-care or specialised add-ons.

Customize Plan Options