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Maternity Coverage in New India Assurance Premier Mediclaim Policy

Published On Mar 19, 2020 5:30 AM By Sakshi Aggarwal

Pregnancy is by far the most beautiful experience in life one could ever be a part of. And this goes not only for mothers but fathers too. For a woman to create, grow and give birth to another life is rather incredible.

And who would want a speed breaker while experiencing such beautiful things in life?

No one, right? 

I am saying ‘speed breaker’ because maternity calls for additional expenses if you are unprepared for it. And this may hamper your entire budget. This certainly calls for maternity coverage in health insurance.

Given that New India Assurance offers a specifically-designed health insurance policy by the name of the Premier Mediclaim Policy.

 About New India Premier Mediclaim Plan

Premier Mediclaim Plan by New India Assurance is a health insurance plan that offers a financial cover against the ever-increasing healthcare expenses and costly treatment expenses. This is the most sought after policy in the insurance market as it not only offers coverage for basic hospitalisation cost for the whole family but it also offers cover for maternity expenses and newborn expenses. Other than this, the plan also offers coverage for expenses incurred due to treatment of sexually transmitted diseases and infertility.

The plan is available to the policyholder in two options i.e Plan A and Plan B. With Plan A, the policyholder gets a sum insured option of Rs 15 lakh and Rs. 25 Lakh, whereas, with Plan B, then get an option of Rs 50 Lakh and Rs. 1 Crore. Moreover, individuals who are aged between 18 years to 65 years can be the policy proposer.

Maternity Coverage in Premier Mediclaim Policy of New India Assurance

Premier Mediclaim Policy is one of the insurance products of New India Assurance, which has been designed to provide maternity and health care costs to expecting mothers and their newborns.

Read on to know features, benefits, and exclusions of the policy.

Features of Premier Mediclaim Policy by New India Assurance

  • People aged between 3 months and 65 years can be covered under this plan.
  • The policy is available in two variants-viz., Plan A and Plan B.
  • The sum insured options under Plan A are Rs. 15 Lakh and Rs. 25 Lakh.
  • The sum insured options under Plan B are of Rs. 50 Lakh and Rs. 1 Crore.
  • Minimum one and a maximum of six members can be covered under this policy.
  • The policy offers lifetime renewability to the policyholders.
  • A medical check-up is required for every member aged more than 50 years or anyone with adverse medical conditions.
  • There is no co-payment or cost-sharing under this policy.

Benefits of Premier Mediclaim Policy of New India Assurance

Premier Mediclaim Policy by New India Assurance offers cover from the ever-rising medical expenses to the policyholders. Key benefits offered under the plan are listed below -

  • Maternity and newborn baby expenses are covered
  • AYUSH treatment up to 20% of the sum insured is included
  • Ambulance services including air ambulance will be paid (subject to capping)
  • Pre and post hospitalisation expenses covered for up to 60 and 90 days respectively
  • In-patient hospitalisation expenses covered
  • The hospital cash benefit is offered
  • Infertility and HIV/AIDS treatment expenses cover

Exclusions under Premier Mediclaim Policy by New India Assurance

Before buying this plan, you must be aware of exclusions under the policy in order to make an informed decision. The exclusions are-

  • Cost of braces, prosthesis, etc. is not included
  • Cosmetic or aesthetic treatment is not covered under this policy
  • Treatment for psychiatric disorders
  • Expenses related to vitamins and tonics are not included unless prescribed by a specialist
  • Cost related to dental treatments is not included

Why should I consider Buying New India’s Premier Mediclaim Plan?

Under this plan, the policyholder receives critical care benefit and the things to be noted here is that, the amount that is paid under this benefit would not reduce the amount of sum insured. Moreover, the insurance company reimburses the cost of health care check-up in case the proposal gets accepted. Moreover, other than the maternity coverage, the plan offers coverage for room rent expenses, boarding expenses, cardiac care cost, intensive care unit charges, doctor’s fee, drugs and medicine cost, etc. 

How to Buy New India Assurance’s Premier Mediclaim Policy?

To buy the New India Assurance’s Premier Mediclaim Policy, follow a few simple steps:

  • Click here.
  • Fill in your personal details
  • Click the option ‘Get Quote Now’
  • Select the family members you want to insure
  • Customize coverage according to your requirements
  • Upload your documents
  • Make the payment
  • On successful payment, you’ll receive the policy in your inbox

Also Read

Health Insurance To Be Mandatory for Employees Post Lockdown

All About Health Insurance Premium on Monthly Installments


Now, you know all about the Premier Mediclaim Policy of New India Assurance Policy.

Also read, 5 Best Health Insurance Plans in India You Can Buy in 2020

In case you want to explore more about Maternity Coverage in New India Assurance Policy or other maternity health insurance plans online, then get in touch with the customer care executives at InsuranceDekho on the toll-free number 1800-1205-698. We are ready for your service.  

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