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New India Assurance Health Insurance FAQs

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Highlights
Claim Settlement Ratio92.68%
Network Hospitals7,500
PED Coverage Starting From4 years
Pre-existing Disease Waiting Period4 years
Starting Premium 560
Starting Premium for Rs. 5 lakhs SIRs. 560/month

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Cancer

  • How does the cancer policy of New India Assurance works?

    If one of the insured members is diagnosed with cancer, then the spouse will be devoid of coverage under the policy. In such a case, the spouse can seek individual membership.

  • Is there any policy of New India Assurance which covers cancer?

    Yes. Cancer Mediclaim Policy of New India Assurance provides coverage for cancer.

  • What is the entry age for cancer policy of New India Assurance?

    Anyone who is aged below 70 years can take Cancer Mediclaim Policy of New India Assurance.

  • Is there any bonus provided under Cancer Mediclaim Policy of New India Assurance?

    There is a cumulative bonus of 5% for every no-claim year up to a maximum of 50%.

  • What are the sum insured options available under cancer policy of New India Assurance?

    Cancer Mediclaim Policy of New India Assurance comes with the sum insured options of Rs. 50,000; Rs. 1 lakh; Rs. 1.5 lakh; and Rs. 2 lakh.

Claim Settlement

  • In how many ways does New India Assurance offer settlement of claims?

    New India Assurance settles claims in two ways, viz., cashless and reimbursement.

  • Does New India Assurance provide cashless claim facility to the policyholders?

    Yes. New India Assurance provides cashless claim facility in more than 1,500 network hospitals to the policyholders.

  • What are the documents required at the time of claim settlement?

    The policyholders are required to submit the following documents at the time of claim settlement-

    • Bill, receipt and discharge certificate from the hospital
    • Cash Memos from the Hospital(s), Chemist(s), and prescriptions
    • Pathological test reports and receipt from Pathologist
    • Surgeon's certificate, bill and receipt
    • Bill, receipt, and diagnosis certificate from attending doctor/consultant/specialist/anesthetist

  • Can my claim request be denied in any case?

    Yes. Your request for a claim can be accepted or denied on the basis of the terms and conditions of the policy.

Critical Illness

  • New India Assurance provides cover against which critical illnesses?

    New India Assurance provides cover against 11 specific critical illnesses. These are mentioned below-

    • Cancer
    • Open Chest CABG
    • Coma of specified severity
    • Open heart replacement
    • First heart attack of specific severity
    • Stroke
    • Kidney failure
    • Major organ transplant
    • Permanent paralysis of limbs
    • Motor neuron disease with permanent symptoms
    • Multiple sclerosis with persisting symptoms

  • Does New India Assurance provide cover for critical illnesses?

    Yes. New India Assurance provides cover for critical illnesses under Floater Mediclaim Policy, New India Premier Mediclaim Policy, and Cancer Mediclaim Policy.

  • Is pre-acceptance medical check-up required for policyholders to seek cover for critical illness?

    Yes. Pre-medical test is required in critical illness plan offered by New India Assurance. All the people entering after 50 years of age for the first time must undergo this test.

  • Does the critical illness plan offered by New India Assurance cover all cases of hospitalisation?

    No. The critical illness plan offered by New India Assurance does not cover all cases of hospitalisation. There are some exclusions to the plan too which can be found from the attached brochure.

  • Is hypertension covered under the critical illness plan offered by New India Assurance?

    No. Hypertension is not included under critical illness plan provided by New India Assurance until 24 months of continuous coverage.

Family

  • Does New India Assurance provide lifelong renewability option under its family floater policy?

    Yes. The family floater policy provided by New India Assurance offers lifelong renewability to the policyholders.

  • Can I avail medical treatment anywhere with family floater policy offered by New India Assurance?

    No, only medical treatments availed in India are covered under the family floater policy by New India Assurance.

  • How many family members can be covered under one floater policy?

    You can cover the following family members under one floater policy-

    • Yourself (Proposer)
    • Spouse
    • Dependent children
    • Dependent parents

  • Can I cover the entire family under single sum insured?

    Yes. You can cover the entire family under a single sum insured.

  • Is there any minimum number of members who must be added if purchasing a family floater policy from New India Assurance?

    Yes. At least 2 family members must be covered while purchasing family floater policy from New India Assurance.

  • Does New India Assurance provide any health insurance plan specially designed for individual?

    Yes. New India Assurance provides health insurance policies designed keeping in mind the requirements of an individual. These plans are-New India Premier Mediclaim Policy, New India Floater Mediclaim Policy, New India Mediclaim Policy, etc.

  • Can I avail medical treatment anywhere with individual health insurance plan offered by New India Assurance?

    No, only medical treatments availed in India are covered under the individual health insurance plan offered by New India Assurance.

  • What are the sum insured options under health insurance plan for individuals offered by New India Assurance?

    Individuals can be covered with sum insured options ranging from Rs. 1 lakh to Rs. 1 crore under health insurance policies offered by New India Assurance.

  • Does New India Assurance offer any health insurance plan for a family?

    Yes. New India Assurance offers health insurance plans specially designed for families. Some of them are-New India Premier Mediclaim Policy, New India Floater Mediclaim Policy and New India Mediclaim Policy.

Feature

  • Is pre-acceptance medical check-up required to buy health insurance policies from New India Assurance?

    Yes. Some policies by New India Assurance require the applicants to undergo a pre-acceptance medical check-up. However, if the proposal is accepted, then 100% of the cost of this check-up is reimbursed to the Proposer.

  • Does New India Assurance provide Hospital Cash benefit under any of its health insurance plans?

    Yes. New India Assurance provides Hospital Cash benefit up to a specified limit under some of its health insurance policies like-New India Asha Kiran Policy, New India Premier Mediclaim Policy and New India Floater Mediclaim Policy.

  • What is the claim settlement ratio of New India Assurance?

    The Claim Settlement Ratio of New India Assurance for FY 2019-20 is as high as 92.68%.

General Information

  • How are the claims for health insurance plans by New India Assurance paid?

    All the claims are paid in Indian currency.

  • Is pre-acceptance medical check-up required to buy health insurance policies from New India Assurance?

    Yes. Some policies by New India Assurance require the applicants to undergo a pre-acceptance medical check-up. However, if the proposal is accepted, then 100% of the cost of this check-up is reimbursed to the Proposer.

  • Does New India Assurance offer discounts to its policyholders?

    Yes. The New India Assurance offers discounts to the policyholders on certain plans.

Help to Buy

  • What is the toll-free customer care number of New India Assurance?

    The toll-free number of New India Assurance is 1800-209-1415.

  • What is the address of New India Assurance?

    The address of The New India Assurance is-
    New India Assurance Building,
    87, MG Road, Fort, Mumbai
    Maharashtra-400001

  • How to buy and apply for health insurance plans by New India Assurance?

    To purchase a health insurance plan from New India Assurance, you can visit the official website, i.e. www.newindia.co.in. You may also purchase it from the online broker’s website like insurancedekho.com.

  • Does New India Assurance offer discounts to its policyholders?

    Yes. The New India Assurance offers discounts to the policyholders on certain plans.

Individual

  • Does New India Assurance provide any health insurance plan specially designed for individual?

    Yes. New India Assurance provides health insurance policies designed keeping in mind the requirements of an individual. These plans are-New India Premier Mediclaim Policy, New India Floater Mediclaim Policy, New India Mediclaim Policy, etc.

  • Can I avail medical treatment anywhere with individual health insurance plan offered by New India Assurance?

    No, only medical treatments availed in India are covered under the individual health insurance plan offered by New India Assurance.

  • What are the sum insured options under health insurance plan for individuals offered by New India Assurance?

    Individuals can be covered with sum insured options ranging from Rs. 1 lakh to Rs. 1 crore under health insurance policies offered by New India Assurance.

Kids

  • I have a daughter who is 4 months old. Can she be covered under the same family floater policy under which I and my wife are covered?

    Yes. Children aged between 3 months and 18 years are covered provided one or both parents are covered under the same policy.

  • Is hospitalisation always necessary to get a claim for kids?

    Yes. Until and unless the insured kid is hospitalised for a condition, no claim shall be payable under any plan by New India Assurance.

  • What are the sum insured options under the health insurance plan for kids offered by New India Assurance?

    Kids can be covered with sum insured options ranging from Rs. 1 lakh to Rs. 1 crore under health insurance policies offered by New India Assurance.

Maternity

  • Does New India Assurance provide maternity and child cover under its policies?

    Yes. New India Assurance provides maternity and child care cover under its New India Premier Mediclaim Policy and New India Mediclaim Policy.

  • Does New India Assurance provide hospital cash benefit under its maternity policies?

    Yes. New India Assurance provides hospital daily cash benefit under its maternity policies.

  • Are ambulance charges paid under these policies?

    Yes. The company pays for ambulance charges under these policies.

Parents

  • Can parents cover their children as well under a health insurance plan by New India Assurance?

    Yes. Parents can include dependent children under the policy if one or both the parents are covered simultaneously under a particular plan.

  • Does New India Assurance offer any health insurance plan especially designed for parents?

    Yes. New India Assurance offers health insurance plan especially designed for parents with one girl child, i.e. New India Asha Kiran Policy. Other parents can be covered under policies such as-New India Premier Mediclaim Policy, New India Floater Mediclaim Policy, etc.

  • Is pre-acceptance medical check-up required for policyholders to seek cover for critical illness?

    Yes. Pre-medical test is required in critical illness plan offered by New India Assurance. All the people entering after 50 years of age for the first time must undergo this test.

Plan Coverage

  • Are out-patient treatments covered under health insurance plans by New India Assurance?

    Some health insurance plans offered by New India Assurance provide cover for OPD treatments such as New India Assurance Premier Mediclaim Policy.

  • Are pre-and post-hospitalisation expenses covered under health insurance plans offered by New India Assurance?

    Yes. Usually 30 days pre-hospitalisation expenses and 60 days post-hospitalisation expenses are covered under health insurance plans offered by New India Assurance.

  • Does New India Assurance provide Hospital Cash benefit under any of its health insurance plans?

    Yes. New India Assurance provides Hospital Cash benefit up to a specified limit under some of its health insurance policies like-New India Asha Kiran Policy, New India Premier Mediclaim Policy and New India Floater Mediclaim Policy.

  • Does New India Assurance provide cover for critical illnesses?

    Yes. New India Assurance provides cover for critical illnesses under Floater Mediclaim Policy, New India Premier Mediclaim Policy, and Cancer Mediclaim Policy.

  • Does the critical illness plan offered by New India Assurance cover all cases of hospitalisation?

    No. The critical illness plan offered by New India Assurance does not cover all cases of hospitalisation. There are some exclusions to the plan too which can be found from the attached brochure.

Portability

  • What does health insurance portability mean?

    Portability means the transfer of the credits earned for pre-existing conditions and time-bound exclusions if the insured switches from one insurer to another.

  • Will I lose my credits earned from the previous policy if I port to a new health insurance policy from New India Assurance?

    No. The company will transfer the credits earned in your account in case you port to a new health insurance policy from New India Assurance.

  • When can I opt for portability of my health insurance policy?

    Portability can be opted for only when your insurance policy is due for renewal and not at any other time.

Premium

  • Does the company provide any discount on premium to the policyholders?

    Yes. New India Assurance usually provides some discount to the policyholders under many health insurance plans.

  • How is premium calculated for health insurance plans offered by New India Assurance?

    Premium for health insurance plans offered by New India Assurance is calculated on the basis of the following factors-

    • Age of the insured
    • Medical history
    • Gender
    • Sum insured opted
    • Policy term selected
    • Number of family members included, etc.

  • What is the minimum premium amount for health insurance plans offered by New India Assurance?

    The premium for New India Assurance health insurance plans starts at Rs. 4,768* per annum. *The premium amount is subject to change from time-to-time.

  • I have a mediclaim policy available but I am moving abroad for a month. Will I be refunded with the premium involved?

    No. The premium amount will not be refunded. However, your New India Assurance policy will stand suspended for the said time period. The validity of the plan shall be extended for the same period after the scheduled expiry date.

  • Up to what amount are the premiums qualified for tax benefit under New India Assurance health insurance plans?

    Premiums up to Rs. 25,000 are qualified for tax benefit under Section 80D of the Income Tax Act 1961.

Senior Citizen

  • What is the eligibility criteria for senior citizens to be covered under Senior Citizen Mediclaim Policy offered by New India Assurance?

    Any senior citizen resident in India who is aged between 60 years and 80 years can be covered under the Senior Citizen Mediclaim Policy by New India Assurance.

  • Is the Senior Citizen Mediclaim policy by New India Assurance renewable?

    Yes. The Senior Citizen Mediclaim Policy by New India Assurance is renewable up to 90 years of age.

  • Does New India Assurance provide cover for the senior citizens under any health insurance plan that it offers?

    Yes. New India Assurance offers cover for the senior citizens under few plans, viz. Senior Citizen Mediclaim, New India Premier Mediclaim Policy, New India Mediclaim Policy, and Family Floater Mediclaim Policy.

  • What are the sum insured options for senior citizens under Senior Citizen Mediclaim Policy provided by New India Assurance?

    The Senior Citizen Mediclaim Policy can be purchased for sum insured options of-Rs. 1 lakh and Rs. 1.5 lakh.

Tax Benefit

  • Do health insurance plans offered by New India Assurance offer tax benefits?

    Yes. Policyholders who get cover under health insurance policies by New India Assurance enjoy income tax benefit on premium paid.

  • Under which Section of the Income Tax Act can I avail tax benefits on the premium paid for health insurance policies purchased from New India Assurance?

    You can avail tax benefits under Section 80D of the Income Tax Act, 1961 for the premium paid for health insurance plans offered by New India Assurance.

  • Which mode of payment should I opt for to avail tax benefit on health insurance policy purchased from New India Assurance?

    Payments made for health insurance policies by New India Assurance in any mode other than cash are eligible for deduction from taxable income.

Top-up

  • Does New India Assurance offer any top-up plan?

    Yes. New India Assurance provides Top-Up Mediclaim Policy to the policyholders.

  • What are the benefits provided under Top-Up plan offered by New India Assurance?

    The Top-up Mediclaim Policy offered by New India Assurance provides the following coverage features to the policyholders-

    • Get well benefit
    • AYUSH treatments
    • Daily allowance benefit
    • Cover for organ donor expenses
    • Cover for room rent, boarding and nursing charges, etc.

  • What are the sum insured options under Top-Up policy provided by New India Assurance?

    Top-Up Mediclaim Policy offered by New India Assurance comes with sum insured options of Rs. 5 lakh and Rs. 8 lakh.

Woman

  • Does New India Assurance provide maternity and child cover under its policies?

    Yes. New India Assurance provides maternity and child care cover under its New India Premier Mediclaim Policy and New India Mediclaim Policy.

  • Does New India Assurance provide hospital cash benefit under its maternity policies?

    Yes. New India Assurance provides hospital daily cash benefit under its maternity policies.

  • Does New India Assurance provide lifelong renewability to the policyholders under its women-oriented health insurance plans?

    Yes. New India Assurance provides lifelong renewability to the policyholders under its women-oriented health insurance plans.

  • Are in-patient hospitalisation expenses covered under women-oriented health insurance plans by New India Assurance?

    Yes. In-patient hospitalisation expenses are covered under women-oriented health insurance plans by New India Assurance.

  • Does New India Assurance pay for ambulance charges under its health insurance plans for women?

    Yes. New India Assurance provides cover for ambulance charges under its women-centric health insurance plans.

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

New India Assurance Health Insurance Top Up List

    Name of PlanSum Insured
    Top-Up Mediclaim PolicyMin: 3 Months; Max: 65 Years5 Lakh Check Premium

    Choose New India Assurance Critical Illness Plan

    New India Health Insurance User Reviews

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    What users are saying
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    • I was looking for a policy so that I could secure my grandparents. I selected the New India Health Insurance P...

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    Claim Process at New India Assurance Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

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