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New India Jan Arogya Bima Health Insurance

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New India Assurance Health Insurance
Jan Arogya Bima Policy
Claim Settlement Ratio92.68%
Network Hospitals7,500
PED Coverage Starting From4 years
Pre-existing Disease Waiting Period4 years
Starting Premium 560
Starting Premium for Rs. 5 lakhs SIRs. 560/month

About New India Jan Arogya Bima Health Insurance

Jan Arogya Bima Policy is an indemnity-based medical insurance product especially designed to cater to the healthcare requirements of poorer sections of the society. The policy therefore comes at affordable premiums and offers cover for various healthcare expenses such as in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, and domiciliary hospitalisation expenses. The policy covers each individual for a sum insured of Rs. 5,000 for which they are required to pay health insurance premium ranging between Rs. 70 and Rs. 380. Kindly note that you are required to complete a waiting period of 30 days from the date of policy, to be able to make a claim under it. Whereas for some listed illnesses, the waiting period is 1 year.

To be covered by Jan Arogya Bima Policy offered by New India Assurance Company, you must be aged between 5 years and 70 years at the time of buying the policy. Another requirement is to be a resident of India. Apart from self, you can also add dependent children under the policy if they are aged between 3 months and 5 years provided either or both the parents are covered under the policy. Apart from the coverage benefits mentioned above, Jan Arogya Bima Policy provides you several other benefits as well. Some of these include 15 days free look period, tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Cover for modern treatment or procedures
  • Treatment for congenital diseases
  • Nursing, boarding, and room expenses
  • Fees of Consultant, Specialist, Medical Practitioner, and Anesthetist
  • Expenses related to blood, oxygen, operation theatre, medicines, etc.

What's Not Included

  • Change of gender treatments
  • Obesity and weight control treatments
  • Admission for rest cure, rehabilitation
  • Admission for the purpose of investigation or evaluation
  • Any claim arising during the initial 30 days waiting period

9390 New India Cashless Network Hospitals in India

Choose New India Assurance Critical Illness Plan

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.

FAQs on Jan Arogya Bima Policy Health Insurance Plan

  • What is the eligibility for Jan Arogya Bima Policy?

    Jan Arogya Bima Policy covers individuals and family members aged between 5 years and 70 years. You can also include dependent children under the policy if they are aged between 3 months and 5 years, provided one or both the parents are covered concurrently. 

  • What is the scope of coverage under Jan Arogya Bima Policy offered by New India Assurance Company?

    The coverage benefits of Jan Arogya Bima Policy are similar to that of an individual mediclaim policy except that it does not offer medical check-up benefits as well as cumulative bonus. The policy covers each individual for up to Rs. 5,000.

  • What are the modern treatments covered under Jan Arogya Bima Policy?

    Some of the modern treatments that Jan Arogya Bima Policy covers you for include:

    • Robotic surgeries
    • Deep brain stimulation
    • Stereotactic radio surgeries
    • Intra vitreal injections
    • Robotic surgeries
    • Vaporisation of the prostate
    • Stem cell therapy
    • Oral chemotherapy
  • Does Jan Arogya Bima Policy come with a free look period?

    Yes. Jan Arogya Bima Policy comes with a free look period of 15 days calculated from the date of commencement of the policy. During this period, you can understand the terms and conditions mentioned in your policy. 

  • Can I avail tax benefits on the premium paid for Jan Arogya Bima policy?

    Yes. You can avail tax benefits on the premium paid for Jan Arogya Bima Policy under Section 80D of the Income Tax Act, 1961. 

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