New India Top-up & Super Top-Up Health Insurance

A Top-Up plan is an additional plan that one invests in to gain additional coverage. An excellent way to make the most of health insurance coverage, and that too at an affordable cost, the Top-Up plan covers hospitalization expenses, but only after a threshold limit. A smart investment, the Top-Up plan prevents one from facing financial inconvenience in an already critical medical situation. New India Assurance offers a top-up plan that provides comprehensive coverage, read on to understand all about the New India Assurance Health Insurance Top-up and Super Top-up plan.

Key Features of New India Assurance Health Insurance Top-up & Super Top-up Plan

Listed below are the key features of New India Assurance Health Insurance Top-up & Super Top-up Plans:

• Working: The working of New India Assurance top-up plans is quite simple. Top-up plans become active when the claim amount crosses the threshold limit or deductible. Offering desired protection when required, Top-Up plans come across as a big helping hand that pays for unexpected medical expenses, which otherwise become tough to handle.
• Coverage: Top-Up Mediclaim covers hospitalization expenses over a chosen limit. Under this policy, the insured bears the claim till the threshold, with the policy paying for claims above this sum.
• No Co-payment: The New India Assurance Health Insurance Top-up comes without any co-payment clause. This means that all your medical bills will be directly borne by the insurance company and you will not be paying for any kind of medical expenses.

Eligibility Criteria of New India Assurance Health Insurance Top-up Plan

The eligibility criteria for the New India Assurance Health Insurance Top-up are as follows:

Parameters	Eligibility Criteria
Minimum entry age of the proposer	18 years
Maximum entry age of proposer	65 years
Minimum entry age of other members	3 months
Maximum entry age of other members	65 years

Key Benefits of New India Top-Up Mediclaim

Some of the key benefits of the New India Top-Up Mediclaim plan are as follows:

• Family & Individual Coverage: The New India Top-Up Mediclaim is easily available on an individual or floater sum insured basis, covering up to 6 members including self, legal spouse, dependent children, and dependent parents.
• Sum Insured: The New India Top-Up Mediclaim is available for a policy period of one year and comes with a sum insured range that lies between Rs. 5 Lakh to Rs. 22 Lakh. With an extensive sum insured option available, policyholders are given the flexibility to choose the sum insured that best meets their needs.
• Health Insurance Coverage: When it comes to benefits, the New India Assurance Top-Up policy offers coverage for inpatient hospitalization, ICU/room rent expenses, surgeon fees, blood, oxygen, and others. Depending on the sum insured you choose, you will get adequate coverage with the New India Top-Up Mediclaim plan.
• Cashless Hospitalization: New India Assurance has tie-ups with over 7,500 network hospitals. This extensive number of network hospitals makes it easier for policyholders to get network hospitals at their nearby locations. Thus, when you buy the New India Assurance Health Insurance Top-up plan, you can get cashless hospitalization benefits in a hassle-free manner.
• Waiting Period: Under New India Top-Up Mediclaim, there is a waiting period of 48 months for pre-existing diseases. While the initial waiting period is 30 days, there is a 24-month waiting period for treatment of specified diseases.

Inclusions and Exclusions of New India Assurance Health Insurance Top-up Plan

Inclusions:

• Room rent charges: Maximum up to Rs. 5000 for a threshold of Rs. 5 and 8 lakhs
• AYUSH treatment: Up to the sum insured
• Daycare procedures: Up to sum insured
• Cataract for an eye: Up to Rs. 50,000
• Hospital daily cash: Rs. 500 for Rs. 5 lakhs and Rs. 800 for Rs. 8 lakhs threshold
• Ambulance charges: Rs. 5000 and Rs. 8000 for a threshold of Rs. 5 and Rs. 8 lakhs
• Expenses of donor for organ transplant
• Get Well Benefit (payable only for the first four admissible claims)
• Coverage for modern treatment

Exclusions Under the Plan

The New India Top-Up Mediclaim policy does not cover you against the following expenses:

• Dental treatment
• Domiciliary treatment
• Naturopathy treatment
• Self inflicted bodily injury
• Cost of spectacles, braces, contact lenses, and others
• Rest cure and rehabilitation
• Obesity and weight control
• Change of gender treatment
• Cosmetic surgery
• Any injury due to involvement in adventurous activities
• Treatment for alcoholism
• Dietary supplement expenses
• Any unproven treatment
• Circumcision expenses
• Vaccination expenses

Documents Required to Buy New India Assurance Health Insurance Top-up Plan

Some of the documents required to buy the New India Assurance Health Insurance plans are as follows:

• A duly filled application form
• PAN card
• Aadhaar card
• Passport
• Income proof
• Copy of medical reports
• Pre-existing medical condition report
• Copy of previous health insurance

How to Buy the New India Assurance Health Insurance Top-up Plan?

Some of the easy steps by which you can buy the New India Assurance Health Insurance Top-up Plan are as follows:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "New India Assurance Health Insurance" from the list of health insurance companies.
• Then, select "Top-up" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of New India Assurance Health Insurance Top-up Plan

There are basically two types of claims you can raise with the New India Assurance Top-up Health Insurance plan, cashless claim and reimbursement claim. Under the cashless claim, your medical bills will be directly settled by New India Assurance without any intervention. On the other hand, in a reimbursement claim, you first need to spend from your pocket which will later be reimbursed by New India Assurance.

Cashless Claims

• Get the treatment at any network hospital associated with New India Assurance Health Insurance.
• Inform the insurer about the hospitalization
• Download the pre-authorization form from the company’s official website.
• Duly fill out the pre-authorization form and attach all the documents to it.
• Submit the form to the insurer. New India Assurance will verify the information and documents submitted by you.
• Once the verification process is complete, an insurer will either process or reject your claim request.

A health insurance company may reject your claim settlement request for numerous reasons, such as providing false information, policy expiration, and making claims for exclusions.

Reimbursement Claim

• Visit any nearby hospital
• Inform the insurance company about the hospitalisation in case of both planned and unplanned hospitalisation
• Pay for medical bills and treatment costs from your pocket.
• Go to the official website of the company to download the claim application form.
• Fill out the claim form thoroughly
• Attach all the necessary documents to the form and submit them to your insurance provider
• New India Health Insurance will assess the documents you submitted.
• If the company is satisfied with the information you provided, New India Assurance will either process or reject your application.

FAQs

Q. What should be the minimum age of the proposer for buying the New India Assurance Health Insurance Top-up plan?

A. The minimum age of the proposer for buying the New India Assurance Health Insurance Top-up is 18 years.

Q. Can the New India Assurance Health Insurance Top-up be purchased as a family plan?

A. Yes, the New India Assurance Health Insurance Top-up can be purchased as a family plan.

Q. What is the sum insured available with New India Assurance Health Insurance Top-up?

A. The sum insured available with the New India Assurance Health Insurance Top-up plan is between Rs. 3 - and Rs. 22 lakhs.

Q. Is the daycare procedure covered under the New India Assurance Health Insurance Top-up plan?

A. Yes, the daycare procedure is covered under the New India Assurance Health Insurance Top-up plan.