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New India Mediclaim Health Insurance Wordings

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio92.68%
COVID-19 CoverYes
Network Hospitals1,500+
Policies Sold16,83,506
RenewabilityLifelong

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New India Mediclaim Policy Brochure

  • 295.60 KB
  • PDF Document
  • Jul 22, 2019

New India Health Insurance Plan List

    Name of PlanSum Insured
    Floater MediclaimMin: 3 Months; Max: 65 Years2 Lakh Get Quotes Now
    Asha Kiran PolicyMin: 91 days; Max: 60 years2 Lakh - 8 Lakh Get Quotes Now
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now
    Mediclaim PolicyMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
    Premier Mediclaim PolicyMin: 3 Months; Max: 65 Years15 Lakh Get Quotes Now
    Cancer Mediclaim PolicyMin: 18 Years; Max: 70 Years50,000 Get Quotes Now
    Senior Citizen Mediclaim PolicyMin: 60 Years; Max: 80 Years1 Lakh Get Quotes Now
    Janata Mediclaim PolicyMin: 3 months; Max: 60 years50 Thousand - 75 Thousand Get Quotes Now

    New India Health Insurance Top Up List

      Name of PlanSum Insured
      Top-Up Mediclaim PolicyMin: 3 Months; Max: 65 Years5 Lakh Get Quotes Now

      1003 New India Cashless Network Hospitals in India

      Choose New India Assurance Critical Illness Plan

      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.  

      Claim Process at New India 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 Health Insurance Contact Details

      Reach us for help anytime