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New India Premier Mediclaim Health Insurance

212 reviews Rate This
New India Assurance Health Insurance
Premier Mediclaim 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 Premier Mediclaim Health Insurance

New India Premier Mediclaim Policy by New India Assurance is one such policy which provides cover from ever-rising medical expenses and unbelievable expensive treatment costs. What makes this policy one of the most favoured policy is that this policy not only provides coverage for basic hospitalisation expenses for the entire family but also provides coverage for maternity and newborn expenses. Not only this, this is the only policy which provides cover for costs incurred for treatment of infertility and sexually transmitted diseases.

This is one of the best medical insurance policy available from New India to give you and your family umbrella cover from unforeseen hospitalisation expenses. This policy comes in two plan options, Plan A and Plan B. Plan A offers the sum insured options of Rs. 15 Lakh and Rs. 25 Lakh whereas Plan B offers the sum insured options of Rs. 50 Lakh and Rs. 1 Crore. Anyone who is aged between 18 years and 65 years is eligible to buy this policy. Even the children aged between 3 months and 18 years can be covered under the policy provided any of their parents are included under the policy.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Maternity and childcare cover
  • Hospital cash benefit
  • Critical illness cover
  • Alternative treatment cover
  • Infertility and HIV/AIDS treatment expenses cover

What's Not Included

  • Cost of braces, prosthesis, etc.
  • Cosmetic or aesthetic treatment
  • Dental treatment or surgery of any kind
  • Treatment for psychiatric disorders
  • Expenses on vitamins and tonics unless prescribed

1070 New India Cashless Network Hospitals in India

Choose New India Assurance Critical Illness Plan

Premier Mediclaim Policy User Reviews

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What users are saying
  • All
  • The New India Assurance- Premier Mediclaim Policy is awesome! I bought this health insurance plan from the off...

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    By Sakshi Tandon
    On: Jun 22, 2023
  • Premier mediclaim policy is the best one i could have asked for as far as its benefits are concerned. All than...

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    By Prasanna Kumar
    On: Feb 25, 2020
  • Premier Mediclaim policy has so many benefits and it is easy to buy to from insurancedekho. I got to know abou...

    Read More
    By Akash R
    On: Feb 25, 2020
  • The best thing about Premier Mediclaim I found is that it offers maternity and childcare cover too apart from ...

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    By Nagendra M
    On: Feb 12, 2020
  • Premier mediclaim policy is a nice policy under which i have got 6 members covered. The best thing is that unl...

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    By Brijendra Singh
    On: Feb 12, 2020

New India Premier Mediclaim Policy Expert Review

  • Expert Review

    When it comes to buying health insurance, you compare different health plans and choose the one that comes with maximum coverage and minimum premiums. New India Premier Mediclaim Policy is such a plan that is available at lower premiums but offers a whole lot of coverage benefits. With this policy in hand, you can avail cover for all the basic hospitaisation expenses, as well as coverage for critical illnesses, maternity expenses and newborn baby cover. In addition, the policy also provides cover for expenses incurred during the treatment of infertility and sexually transmitted diseases (STDs).

    In general, New India Premier Mediclaim policy has two plans viz: Plan A (Rs. 25 Lakh and Rs. 50 Lakh sum insured), Plan B: (Rs. 50 Lakh and Rs. 1 Crore sum insured). Available on both the individual and family floater sum insured basis, the policy protects insured (proposer, proposer’s spouse, dependent children, and dependent parents) in the event of medical emergencies.

  • Major Attractions

    Under this policy, Critical Care Benefit is provided to the insured. The amount paid under this benefit does not reduce the Sum Insured. Also, the insurer reimburses the health check-up cost if the proposal is accepted. In addition, the policy covers room rent expenses; boarding charges; nursing expenses; intensive cardiac care charges; intensive care unit expenses; surgeon, anaesthetist, medical practitioner fees; medicines & drugs; artificial limbs; and much more. On top of this, the policy also offers:

    • Cover for cancer, paralysis, first heart attack, open chest CABG, open heart replacement
    • Coverage is also available for coma, kidney failure, stroke, bone marrow transplant, motor neurone disease and multiple sclerosis
    • Expenses for Ayurvedic/Homoeopathic/Unani treatment: 20% of Sum Insured
    • Minimum one and maximum of 6 members can be covered
    • Maternity expenses and newborn baby and childcare cover
    • No upper age limit for unmarried dependent daughters and mentally challenged children
    • No co-pay or deductible in the policy
    • Hospital cash benefits
  • What’s More?

    What’s more is that New India Premier Mediclaim Policy covers the expenses necessarily incurred for treatment of infertility, including outpatient treatment. However, the payable amount is up to the limit of Rs. 1 Lakh for Plan A and Rs. 2 Lakh for Plan B. Besides, the insurer allows midterm inclusion for a newly married spouse. For this, the pro-rata premium should be paid for the remaining period of the policy.

    • Lifetime renewability of the policy
    • Tax savings as per the Income Tax Act
    • TPA service to ensure easy and quick claim settlement
    • Free-look period of 15 days for continuing or cancellation of the policy
    • A grace period of 1 month to renew the policy
  • Conclusion

    The New India Premier Mediclaim Policy meets the expectations of many. It is an ultimate saviour you can trust on to fulfil your medical requirements without breaking your bank.

    If you would like to invest in New India Premier Mediclaim Policy, doing so through the online mode can be beneficial as the policy will be issued soon. Additionally, purchasing the policy from InsuranceDekho can let you enjoy the portability service, quality claim settlement support, complete transparency in the process and many other benefits.

New India Premier Mediclaim Policy Brochure

  • 309.99 KB
  • PDF Document
  • Aug 12, 2019

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 Premier Mediclaim Policy Health Insurance Plan

  • Who all can be covered under this policy?

    You and your entire family can be covered under this policy. The policy covers self, spouse, dependent children and dependent parents.

  • Is pre-acceptance medical checkup necessary to purchase this policy?

    A pre-acceptance medical checkup is necessary for all the members entering after the age of 50 years or anyone who is having an adverse medical condition.

  • What is the age limit for renewal of this policy?

    The policy is available with lifelong renewability option.

  • What is the hospital cash benefit available under this plan?

    In case the hospitalisation exceeds 24 hours a day, the hospital cash benefit under Plan A is Rs. 2000 per day and under Plan B it is Rs. 4000 per day.

  • What is the critical care benefit offered under this policy?

    If during the policy period, the insured person is diagnosed with any of the listed critical illness, then the person is liable for critical care benefit. Under this benefit, for Plan A, the insured will receive Rs. 2 Lakh, and for Plan B, the insured will receive Rs. 5 Lakh, as an additional benefit, which is over and above the sum insured.

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