New India Top-Up Mediclaim Health Insurance

Formulated to ensure additional coverage, the sum insured options available under the New India Top-up Mediclaim plan ranges from Rs. 5 Lakh to Rs. 22 Lakh. It allows consumers to have flexibility in choosing the sum insured. Available for a period of 1 year, the insurance product covers people from 18 years to 65 years. Kids from 3 months are also covered. The policy gives deductible options of Rs. 5 Lakh to Rs. 8 Lakh. Some other major attractions are as follows:

• Cover for a maximum of 6 family members
• The policy can be issued on an individual and the family floater basis
• Cover for alternative treatment like AYUSH if taken in any hospital recognized by the government
• Hospital cash benefits: Rs. 500 (for Rs. 5 Lakh threshold) per day, Rs. 800 (for Rs. 8 Lakh threshold) per day
• Ambulance cover: Up to Rs.5,000 (for Rs. 5 Lakh threshold), up to Rs. 8,000 (for Rs. 8 Lakh threshold)
• Get well benefit: up to Rs. 5,000 (for Rs. 5 Lakh threshold), up to Rs. 8,000 (for Rs. 8 Lakh threshold)
• No option of sum insured enhancement for people above 65 years of age

The New India Top-up Mediclaim Policy comes with many other benefits like cover for 30 days pre-hospitalisation, 60 days post-hospitalisation, ICU/ICCU expenses up to the specified limit, expenses incurred towards ambulance services, room rent charges, boarding expenses, and nursing charges, etc. Apart from all these, this top-up plan of New India Assurance can also be considered due to:

• Lifetime renewability
• Tax benefits as per the Income Tax Act
• Easy and quick claim settlement by TPA service
• Period of free look for 15 days to continue or cancel the policy
• A grace period of 1 month for renewal

The bottom line is that New India Top-up Mediclaim Policy is a great approach to add extra cover to your existing policy. It keeps you financially stable to continue with the treatment even if the sum insured of the regular policy gets exhausted.

What’s more is that purchasing this policy online at InsuranceDekho is a convenient way. It brings full transparency, quality customer support, discounts, and the facility to compare different policies based on premiums and coverage benefits. When you choose InsuranceDekho, you can be rest assured that you get the right policy at the right premium amount.

This policy is available for a period of 1 year from the date of inception. 

The minimum and maximum age of entry to this plan are 18 years and 65 years respectively. However, children aged at least 3 months can also be covered under it. 

Yes. The expenses pertaining to AYUSH treatments are covered if undergone at a government hospital or any institution that is recognised by the government or is accredited by the National Accreditation Board on Health/ Quality Council of India.

No. Treatments undergone only in India are covered under this policy.