Who can be covered under this policy?

Anyone aged between 18 years and 65 years can be covered under this policy. Financially dependent children aged between 3 months to 25 years can also be covered if at least one parent is included in the policy.

Can I include my family members in this policy?

Yes. You can seek cover for the entire family under a single Sum Insured. These members can be apart from the Proposer - Spouse, Dependent Children, and Parents (aged 60 years or lesser if they are dependent on the Proposer).

Does this policy provide a hospital cash benefit to the policyholders?

Yes. The policy provides hospital cash benefit at the rate of 0.1% of Sum Insured for every hospitalisation exceeding 24 consecutive hours.

Are critical illnesses covered under this policy?

Yes. The policy provides critical illness cover for 11 specified critical illnesses. This means that the insured gets paid 10% of the Sum Insured as additional benefit other than the admissible claim in case he/she suffers from any of the 11 mentioned critical illnesses.

Is hospitalisation always necessary to get a claim?

Yes. Hospitalisation is necessary to get a claim under this policy. Outpatient expenses are not covered under this policy.

For how long does the insured individual need to be hospitalised to seek claim?

An individual can make a claim only if he/she has been hospitalised for at least 24 hours. However, for certain specified treatments, hospitalisation can even be lesser than 24 hours.

Which daycare treatments are covered under this policy?

Day care treatments are those which are done within 24 hours. The policy covers 139 daycare treatments, some of them are- Stapedotomy Excision and destruction of a lingual tonsil Stapedectomy Other operations on the tonsils and adenoids Lithotripsy Cancer Chemotherapy Amputation of the penis Haemodialysis Palatoplasty Glossectomy

Are pre-hospitalisation expenses covered under this policy?

Yes. The policy covers pre-hospitalisation expenses for up to 30 days prior to hospitalisation.

Are post-hospitalisation expenses covered under this policy?

Yes. The policy covers post-hospitalisation expenses for up to 60 days from the date of discharge from the hospital.

Can I get treated anywhere in India under this policy?

Yes. This policy covers treatment anywhere in India.

New India Floater Mediclaim Health Insurance Wordings

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Highlights

Claim Settlement Ratio	98.00%
Network Hospitals	7,500+
PED Coverage Starting From	4 years
Pre-existing Disease Waiting Period	4 years
Starting Premium	560
Starting Premium for Rs. 5 lakhs SI	Rs. 560/month

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New India Floater Mediclaim Brochure

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Jul 01, 2019

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New India Assurance Health Insurance Plan List

Critical Illness (2)
Family (3)
Individual (2)
Kids (1)
Cancer (1)
Maternity (1)
Woman (1)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Floater MediclaimMin: 3 Months; Max: 65 YearsPopular	2 Lakh	Check Premium
Asha Kiran PolicyMin: 91 days; Max: 60 yearsPopular	2 Lakh - 8 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Mediclaim PolicyMin: 3 Months; Max: 65 YearsPopular	1 Lakh	Check Premium
Cancer Mediclaim PolicyMin: 18 Years; Max: 70 Years	50,000	Check Premium
Premier Mediclaim PolicyMin: 3 Months; Max: 65 Years	15 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Senior Citizen Mediclaim PolicyMin: 60 Years; Max: 80 Years	1 Lakh	Check Premium
Janata Mediclaim PolicyMin: 3 months; Max: 60 years	50 Thousand - 75 Thousand	Check Premium

New India Assurance Health Insurance Top Up List

Family (1)
Top-up (1)

Name of Plan	Sum Insured
Top-up & Super Top-Up PlanPopular		Check Premium
Top-Up Mediclaim PolicyMin: 3 Months; Max: 65 Years	5 Lakh	Check Premium

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FAQs on Floater Mediclaim Health Insurance Plan

Who can be covered under this policy?
Anyone aged between 18 years and 65 years can be covered under this policy. Financially dependent children aged between 3 months to 25 years can also be covered if at least one parent is included in the policy.
Can I include my family members in this policy?
Yes. You can seek cover for the entire family under a single Sum Insured. These members can be apart from the Proposer - Spouse, Dependent Children, and Parents (aged 60 years or lesser if they are dependent on the Proposer).
Does this policy provide a hospital cash benefit to the policyholders?
Yes. The policy provides hospital cash benefit at the rate of 0.1% of Sum Insured for every hospitalisation exceeding 24 consecutive hours.
Are critical illnesses covered under this policy?
Yes. The policy provides critical illness cover for 11 specified critical illnesses. This means that the insured gets paid 10% of the Sum Insured as additional benefit other than the admissible claim in case he/she suffers from any of the 11 mentioned critical illnesses.
Is hospitalisation always necessary to get a claim?
Yes. Hospitalisation is necessary to get a claim under this policy. Outpatient expenses are not covered under this policy.
For how long does the insured individual need to be hospitalised to seek claim?
An individual can make a claim only if he/she has been hospitalised for at least 24 hours. However, for certain specified treatments, hospitalisation can even be lesser than 24 hours.
Which daycare treatments are covered under this policy?
Day care treatments are those which are done within 24 hours. The policy covers 139 daycare treatments, some of them are-

Stapedotomy

Excision and destruction of a lingual tonsil

Stapedectomy

Other operations on the tonsils and adenoids

Lithotripsy

Cancer Chemotherapy

Amputation of the penis

Haemodialysis

Palatoplasty

Glossectomy
Are pre-hospitalisation expenses covered under this policy?
Yes. The policy covers pre-hospitalisation expenses for up to 30 days prior to hospitalisation.
Are post-hospitalisation expenses covered under this policy?
Yes. The policy covers post-hospitalisation expenses for up to 60 days from the date of discharge from the hospital.
Can I get treated anywhere in India under this policy?
Yes. This policy covers treatment anywhere in India.

View More Questions

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.

New India Assurance Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
New India Assurance Health Insurance
1800-209-141524*7
tech.support@newindia.co.in