New India Health Insurance Premier Mediclaim Policy

Premier Mediclaim Policy
25 reviews Rate This
  • 1,200+ Network Hospitals
    Check in your City
  • 16,83,506 Policies Issued
  • Lifelong Renewability
  • 95.92% Claim Settlement Ratio
  • Dedicated Team for Claim Settlement
  • Coronavirus (COVID-19) Cover

About New India Health Insurance Premier Mediclaim Policy

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 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.

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

  • Thank you team

    Premier mediclaim policy is the best one i could have asked for as far as its benefits are concerned. All thanks to the insurancedekho’s team, w...

    Read More
    P
    Prasanna Kumar
    On: Feb 25, 2020 | Views
  • Easy buy

    Premier Mediclaim policy has so many benefits and it is easy to buy to from insurancedekho. I got to know about insurancedekho from a friend who had p...

    Read More
    A
    Akash R
    On: Feb 25, 2020 | Views
  • It was a good experience

    The best thing about Premier Mediclaim I found is that it offers maternity and childcare cover too apart from many other benefits like hospital cash b...

    Read More
    N
    Nagendra M
    On: Feb 12, 2020 | Views
  • Nice policy.

    Premier mediclaim policy is a nice policy under which i have got 6 members covered. The best thing is that unlike other policies, this one has no co-p...

    Read More
    B
    Brijendra Singh
    On: Feb 12, 2020 | Views
  • Amazing policy.

    Premier mediclaim policy is a great health insurance product which you can buy for many benefits like maternity and childcare cover, alternate treatme...

    Read More
    M
    Mayuk Tyagi
    On: Feb 03, 2020 | Views
  • Great work insurancedekho

    I am really happy with the services of insurancedekho. They not only helped me decide which plan i must buy from them, but also made the buying proces...

    Read More
    A
    Avinash Shukla
    On: Feb 03, 2020 | Views
  • Two variants in plan

    Premier mediclaim comes in two variants which differ in the sum insured amount as well as benefits. I brought it from insurancedekho for sum insured o...

    Read More
    A
    Abhimanyu Singh
    On: Jan 15, 2020 | Views
  • M satisfied

    Premier mediclaim policy is a product from new india that you can purchase even after you already have a group insurance policy from your employer. I ...

    Read More
    A
    Altaf Hanif Narpali
    On: Jan 15, 2020 | Views
  • Satisfied with the coverage features offered.

    In my premier mediclaim policy, I get many benefits.. some of them include maternity and child cover, hospital cash benefit, alternative treatment cov...

    Read More
    D
    Dimpy Yadav
    On: Dec 30, 2019 | Views
  • The best plan everr

    Iam covered under Premier mediclaim policy for a sum insured of rs 15 lakh. It offers me many benefits at nominal premium. But there is a waiting peri...

    Read More
    J
    Jasmine Makkar
    On: Dec 12, 2019 | Views
  • Satisfactory services of ID

    Insurancedekho never fails to satisfy the customers. They have a solution for every problem the customer is facing not only at the time of buying poli...

    Read More
    M
    Manmeet Kaur
    On: Dec 12, 2019 | Views
  • One of the best plans

    Premier mediclaim policy is one of the best plans i have come across so far. I get many benefits under this plan like maternity cover, hospital cash b...

    Read More
    S
    Shubhashish Chatterjee
    On: Dec 03, 2019 | Views
  • Well informed customer care executives

    The ppl in the sales team in insurancedekho know each everything abt all the products available with them. Also, they explained me the pros and cons o...

    Read More
    D
    Devika Khanna
    On: Dec 03, 2019 | Views
  • I received cover on time

    The best part about purchasing plans from insurancedekho is that they provide the policyholders with after sales services too with utmost patience. It...

    Read More
    M
    Manoj Katariya
    On: Nov 22, 2019 | Views
  • Good and reliable broker

    My faith in the company has increased a lot since i have purchased cover under premier mediclaim policy from them. They are reliable and have a secure...

    Read More
    S
    Sushila Meena
    On: Nov 22, 2019 | Views
  • Low premium comparatively

    This is a good product offered by new india assurance that provides cover for many healthcare expenses to the policyholder. I had not great knowledge ...

    Read More
    s
    sanjay kumar shaw
    On: Nov 13, 2019 | Views
  • Nominal premium as compared to other

    This is a nice insurance policy that i purchased recently from insurancedekho recently. I paid nominal premium for this policy and it did not put much...

    Read More
    S
    Shambhulingayya
    On: Nov 13, 2019 | Views
  • Easy purchase prcess at ID.

    I was searching for a good health insurance policy on insurancedekho and then got in touch with the customer care executives of them on 1800 1205 698 ...

    Read More
    B
    Birendra Kumar Verma
    On: Nov 04, 2019 | Views
  • Good website interface of insurancedekho

    I was looking for health insurance for myself on insurancedekho’s website and i must say that it is greatly designed. It had all the insurers an...

    Read More
    D
    DILIP JOSHI
    On: Nov 04, 2019 | Views
  • Claims are really hassle free

    I am covered under premier mediclaim policy from new india assurance and it has almost been a year since i have taken services from inusrancedekho.. I...

    Read More
    S
    Shambhu Singh
    On: Oct 23, 2019 | Views
  • Good, easy, and safe

    Good, easy, and safe way to buy health insurance policies is to buy them from insurancedekho. They not only help you in selecting the best plan for yo...

    Read More
    H
    Haresh
    On: Oct 23, 2019 | Views
  • I like it

    The name of my policy is Premier mediclaim policy and why I found this one to be the best for me and my family is that it covers maternity expenses as...

    Read More
    N
    Nayeem Ahmed
    On: Oct 10, 2019 | Views
  • Good plan.. Option to choose from variants

    Premier mediclaim policy from new india assurance is a good plan in the sense that it offers various choice of variants to the policyholders. What i l...

    Read More
    k
    krishna mohan prasad
    On: Oct 10, 2019 | Views
  • Satisfied with my choice of buying Premier Health Policy

    I have recently got married and I was looking for a family floater health insurance plan where I could include myself, my parents and my wife. I came ...

    Read More
    N
    Nazim
    On: Sep 27, 2019 | Views
  • Happy with my plan

    I dont understand many thing of health insurance so I called insurancedekho for help. Ravi compared some plans for me and said that Premier mediclaim ...

    Read More
    y
    y kiran kumar
    On: Sep 27, 2019 | Views

Expert Review for New India Assurance Premier Mediclaim Policy

  • 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 Assurance Premier Mediclaim Policy Brochure

  • 309.99 KB
  • PDF Document
  • Aug 12, 2019

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.

Premier Mediclaim Policy FAQs

  • 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.

  • Does this policy provide cover for maternity and newborn?

    Yes, the coverage for maternity and childcare available under the New India Premier Mediclaim Policy.

  • What is New India baby cover?

    This policy offers cover for newborn baby from any illness or injury from the date of birth until the expiry of this policy. However, no coverage is available for newborn baby on subsequent renewals unless and until the baby is insured.

  • Does this policy provide cover for AIDS/HIV?

    Yes, this policy offers cover for treatment of sexually transmitted diseases subject to a limit of Rs. 2 Lakh for Plan A and Rs. 5 Lakh for Plan B.

  • Is infertility treatment expenses covered under this plan?

    Yes, the treatment expenses for infertility are covered under this plan subject to a limit of Rs. 1 Lakh under Plan A and Rs. 2 Lakh under Plan B.

  • What are the maximum charges for cataract paid under this policy?

    Expenses for cataract surgery is paid as per the following limits:
    For Plan A, actual charges, maximum of Rs. 75,000
    For Plan B, actual charges, maximum of Rs. 1,00,000

Latest Health Articles