Can I undergo treatment anywhere under this policy?

No. Only treatments undergone in India are covered under this policy.

Can I make a request for claim under this plan without getting hospitalised?

No. Unless an insured person is hospitalised for a valid reason, the claim is not paid. OPD is not covered under this policy.

Who all can be included under this policy?

You can include yourself, i.e. the Proposer, your spouse, your children, and your parents.

What are the sum insured options available under this plan?

Sum insured options available under this plan are- Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 8 Lakh, Rs. 10 Lakh, Rs. 12 Lakh and Rs. 15 Lakh.

Is health check-up included under this policy?

Yes. The cost of health check-up is reimbursed to the insured individual after every 3 claim-free years. The reimbursed amount shall be payable up to Rs. 5,000 or 1% of the average Sum Insured of proceeding 3 years, whichever is less.

What are the loss-sharing conditions under this policy?

Given below are the loss-sharing conditions for the policyholders under this policy- 1. 20% co-pay if the optional cover of voluntary co-pay has been selected 2. Expenses if exceeding the limit for the following features- Rom rent beyond 1% of the Sum Insured ICU/ICCU expenses more than 2% of the Sum Insured Proportionate deduction on other expenses arising at the hospital (excluding the cost of medicines) if room rent or ICU/ICCU are incurred more than the aforesaid limit. It is waived off if No Proportionate Deduction option is selected Cataract beyond 20% of the Sum Insured or Rs. 50,000, whichever is less

Is there any renewal benefit that the company provides under this plan?

Yes. The company provides the following renewal benefits to its policyholders- 1. Health check-up benefit after every block of 3 claim-free years up to a certain limit 2. Cumulative Bonus Buffer shall be carried forward of the existing policyholder of Mediclaim 2012

How can I make a claim under this policy?

Under this policy, the policyholders can get their claims settled either through the cashless procedure or through the reimbursement procedure .

Will I be covered for Ayurvedic treatments under this policy?

Yes. This policy gets you covered with Ayurvedic, Homeopathic/Unani treatment up to 25% of the sum insured.

Is domiciliary hospitalisation covered under this policy?

No. This policy does not provide cover for domiciliary hospitalisation .

New India 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 Mediclaim Policy Brochure

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Jul 22, 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 Mediclaim Policy Health Insurance Plan

Can I undergo treatment anywhere under this policy?
No. Only treatments undergone in India are covered under this policy.
Can I make a request for claim under this plan without getting hospitalised?
No. Unless an insured person is hospitalised for a valid reason, the claim is not paid. OPD is not covered under this policy.
Who all can be included under this policy?
You can include yourself, i.e. the Proposer, your spouse, your children, and your parents.
What are the sum insured options available under this plan?
Sum insured options available under this plan are- Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 8 Lakh, Rs. 10 Lakh, Rs. 12 Lakh and Rs. 15 Lakh.
Is health check-up included under this policy?
Yes. The cost of health check-up is reimbursed to the insured individual after every 3 claim-free years. The reimbursed amount shall be payable up to Rs. 5,000 or 1% of the average Sum Insured of proceeding 3 years, whichever is less.
What are the loss-sharing conditions under this policy?
Given below are the loss-sharing conditions for the policyholders under this policy-

1. 20% co-pay if the optional cover of voluntary co-pay has been selected
2. Expenses if exceeding the limit for the following features-

Rom rent beyond 1% of the Sum Insured

ICU/ICCU expenses more than 2% of the Sum Insured

Proportionate deduction on other expenses arising at the hospital (excluding the cost of medicines) if room rent or ICU/ICCU are incurred more than the aforesaid limit. It is waived off if No Proportionate Deduction option is selected

Cataract beyond 20% of the Sum Insured or Rs. 50,000, whichever is less
Is there any renewal benefit that the company provides under this plan?
Yes. The company provides the following renewal benefits to its policyholders-
1. Health check-up benefit after every block of 3 claim-free years up to a certain limit
2. Cumulative Bonus Buffer shall be carried forward of the existing policyholder of Mediclaim 2012
How can I make a claim under this policy?
Under this policy, the policyholders can get their claims settled either through the cashless procedure or through the reimbursement procedure.
Will I be covered for Ayurvedic treatments under this policy?
Yes. This policy gets you covered with Ayurvedic, Homeopathic/Unani treatment up to 25% of the sum insured.
Is domiciliary hospitalisation covered under this policy?
No. This policy does not provide cover for domiciliary hospitalisation.

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