New India Assurance Premier Mediclaim Policy

Premier Mediclaim Policy
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  • 1,200+ Network Hospitals
    Check in your City
  • 17,47,550 Policies Issued
  • 103.19% Incurred Claim Ratio
  • Lifelong Renewability
  • 96.61% Claim Settlement Ratio
  • Dedicated Team for Claim Settlement

About New India Assurance 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

  • 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 to know about Premier Mediclaim Policy fro a friend who is covered under it too. Then I called in Insurancedekho where I talked to Bhawna. She briefed me about the plan and I was satisfied with my choice. I am happy that the plan covers maternity cover too. It might be helpful for me in future. 

     

    N
    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 policy good for me. I buy that and have got cover one time. No complaint in claim process. Good plan. You can buy also for family.  

     

    y
    On: Sep 27, 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 well. The premium for this policy is not very high and you can buy this from insurancedekho for an easy buying experience.  


     

    N
    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 liked the most about this plan is that it offers critical care benefit the plan offers sufficient coverage and the company is reliable too.. So can go for it.

     

    k
    On: Oct 10, 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 have made claim once and got payment on time..new india has hassle free claim process so one can opt for its policies without any tension

     

    S
    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 you, but also have a transparent and safe way of dealing with payments.. You can trust them for making decisions for you as well as for safe payment gateway

     

    H
    On: Oct 23, 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 which is their toll free number.. After analysing my requirements, the sales people suggested me premier mediclaim policy with many benefits.. Had easy buying process. 

     

    B
    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 and all the information about those plans offered by the insurers with all the necessary details about pros and cons as well as brochures.. Good interface!!


     

    D
    On: Nov 04, 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 about how health insurance plans work so called the insurancedekho’s team at their toll free number 1800 1205 698 and got in touch with their executives. it has less premium

     

    s
    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 burden on my pocket for the same. Also, i got a chance to save income tax too. In case of any doubt, i reach out the customer care.

     

    S
    On: Nov 13, 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 is not the first time that i have purchased policy from them but satisfaction is what every time i get. You can choose this company too for your insurance needs. 

     

    M
    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 secured payment gateway too. They can even pay you a visit if you live far or have any difficulty in online system of making payment or otherwise. 

     

    S
    On: Nov 22, 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 benefit, critical illness cover, alternative treatment cover, etc. The best thing abt insurancedekho was that their executives were well informed ..i liked it

    S
    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 of buying this product very clearly. It was my decision to ave chosen this plan and I not at all regret this decision of mine.  

    D
    On: Dec 03, 2019 | Views

Expert Review for New India 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 Premier Mediclaim Policy Brochure

  • 309.99 KB
  • PDF Document
  • Aug 12, 2019

Claim Process at New India Assurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of New India Assurance at 1800-209-1415.
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of New India Assurance 1800-209-1415.

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

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