New India Assurance Top-Up Mediclaim Policy

Top-Up Mediclaim Policy
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  • 1,200+ Network Hospitals
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  • 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 Top-Up Mediclaim Policy

Top-up plans in health insurance go one step ahead in helping the policyholders than the regular plans. The Top-up Mediclaim Policy brought to you by New India Assurance is such of a kind that is designed to provide its policyholders with wide coverage. Where regular plans get you covered with the hospital bills up to the sum insured, this plan covers costs after a certain limit has been reached. Customers aged between 18 years to 65 years can purchase this plan for a period of one year and choose between deductible options of Rs. 5 Lakh and Rs. 8 Lakh.

The Proposer can also add spouse, and dependent parents and dependent children can also be added under this plan. The plan provides some major benefits to its customers. Some of them are-get well benefit, daily allowance benefit, cover for AYUSH treatments, cover for organ donor expenses, cover for room rent, boarding and nursing charges, and so on. Apart from these, the policyholders can also avail ambulance services up to a specific limit, which differs with the deductible option chosen. 

Key Inclusions and Exclusions of the Plan

What's Included

  • ICU charges covered up to a specific limit
  • Daycare treatments like chemotherapy, etc.
  • Hospitalisation expenses up to a specific limit
  • Emergency ambulance cover
  • AYUSH treatments at government hospitals

What's Not Included

  • Any Sexually Transmitted Disease
  • Any treatment taken outside India
  • Cost related to domiciliary hospitalisation
  • Cost related to vaccination or inoculation
  • Any unproven or experimental treatment

  • Useful top-up plan

    People don’t usually understand the importance of getting a top up insurance plan until they face some health emergency and their savings get drained away. I purchased top up mediclaim policy of New India for deductible of Rs. 5 lakh. It was also available in option of Rs. 8 Lakh but the customer care executive at Insurancedekho suggested me to go for 5 lakh as per my needs. 

     

    K
    On: Sep 27, 2019 | Views
  • Little difficult to understand but useful plan

    I found the top up mediclaim plan little difficult to understand but when i understood it i found that it is a useful one and I can go for it. I have purchased it for 8 lacs deductible for term of 1 year and the premium charged from me were less. You can choose insurancedekho to buy best policies online.   

    S
    On: Sep 27, 2019 | Views
  • Average top up plan

    The good thing about top up mediclaim policy from new india is that we can add our family members under this plan too. Otherwise, all the required coverage features are provided under this plan like any other plan.new india is a reliable company,, can go for this plan to enhance your coverage

     

    V
    On: Oct 11, 2019 | Views
  • Coms with two deductible options

    Top up mediclaim policy from new india has given me many coverage features and I brought it as my standard health insurance plan was not sufficient. Insurancedekho provided me this plan at little premium and i had a smooth and easy buying experience. You can chose from 5 lacs and 8 lacs deductible option. I chose 5 lac  

     

    s
    On: Oct 11, 2019 | Views
  • Great integrated services

    I earlier thought that as I have a standard health insurance policy, so there is no need of a top up policy. But when I made a claim last year, then I realised how inmportant it can be to have an additional sum insured which can be provided by a top up plan. Insurancedekho helped me buy this plan without hassles online. 

     

    d
    On: Oct 23, 2019 | Views
  • Naice plan

    Good products from insurancedekho.... My coleegue told me about having a plan and its importance. I choose insurancedekho bczz i saw the advertisement on kbc.. I think it is a good company and my plan has many bnefits 

     

    H
    On: Oct 23, 2019 | Views
  • Useful one.. Can go for it!

    I has a basic health insurance plan and taking a friends suggestion, brought a top up mediclaim policy from ID..One more thing that i would like to point here is that sales ppl at ID keep giving you reminders for renewal of policies. So that you don’t forget or miss the date...

     

    K
    On: Nov 04, 2019 | Views
  • Many benefits.. Low premium

    I get many benefits under my top up mediclaim plan that ID provided me at low premium..such as... Cover for ICU charges.. Daycare treatments...AYUSH treatments.. Ambulance charges etc. I found it a relevant plan for myself and hence purchased it from the reliable company insurancedekho

     

    r
    On: Nov 04, 2019 | Views
  • Humble customer care executives

    The customer care executives at insurancedekho are really humble and they really helped me get rid of the financial tension that i had that what will happen if i, god forbid, face some medical emergency in the future. I hope the team will help me in future as well. 

     

    D
    On: Nov 13, 2019 | Views
  • Good luck to the team!!

    I wish all the best to the team of insurancedekho who is always happy to help. The customer care executive from whom i brought my top up mediclaim plan, had shared his personal number too with me so that in case of any problem, i can contact him. Thank you team and i wish them luck for future

     

    M
    On: Nov 13, 2019 | Views
  • It was pleasure seeking help from customer care

    I have lately purchased a plan for family from insurancedekho and felt the need of some extra coverage too so brought top up mediclaim policy from new india. It provides me cover for my entire family. Apart from that, it covers me for hospital cash benefits, ambulance cover and get well benefit. 

     

    s
    On: Nov 22, 2019 | Views
  • Thank you very much team for help

    This is a great plan with many benefits.. Now i dont feel tensed at all for my healthcare expenses. Iam covered for hospital cash benefits, cover for alternative treatments like ayush .. Under this plan and as it comes in low premium, i recommend this to others too. 

     

    T
    On: Nov 22, 2019 | Views
  • Thanks for the help team..

    Taking help from an informed broker like insurancedekho is never a bad idea. I wanted to take this policy but was unsure of the process of getting it and the documents too. So I connected with ID’s team that made the process buttery smooth for me. Great job

     

    A
    On: Dec 03, 2019 | Views
  • Good company to buy plans from

    It is really important to buy health insurance from a good company and so i chose insurancedekho. It has a trusted name in the market. My decision was good because i have made made a claim once and their team ws there for help at each and every step. 

     

    D
    On: Dec 03, 2019 | Views

Expert Review for New India Top-Up Mediclaim Policy

  • Expert Review

    New India Top-up Mediclaim Policy is a unique product of New India Assurance. Developed to provide extra coverage besides the cover of the existing health insurance plan, this top-up plan covers medical expenses after the limit of the regular policy is reached. In layman language, coverage from this top-up policy kicks in once the medical expenses cross the threshold or maximum limit specified in the existing health insurance policy.

    New India Top-up Mediclaim Policy provides coverage for proposer’s spouse, dependent children, and dependent parents. With this policy in place, you can avoid any financial burden at the time when the insured family member gets hospitalized. Moreover, the policy encompasses many other benefits, such as daily allowance benefit; get well benefit; AYUSH treatment; organ donor expense coverage; cover for room rent, boarding and nursing charges; and so on.

  • Major Attractions

    Formulated to ensure additional coverage, the sum insured options available under the New India Top-up Mediclaim plan ranges from Rs. 5 Lakh to Rs. 22 Lakh. It allows consumers to have flexibility in choosing the sum insured. Available for a period of 1 year, the insurance product covers people from 18 years to 65 years. Kids from 3 months are also covered. The policy gives deductible options of Rs. 5 Lakh to Rs. 8 Lakh. Some other major attractions are as follows:

    • Cover for a maximum of 6 family members
    • The policy can be issued on an individual and the family floater basis
    • Cover for alternative treatment like AYUSH if taken in any hospital recognized by the government
    • Hospital cash benefits: Rs. 500 (for Rs. 5 Lakh threshold) per day, Rs. 800 (for Rs. 8 Lakh threshold) per day
    • Ambulance cover: Up to Rs.5,000 (for Rs. 5 Lakh threshold), up to Rs. 8,000 (for Rs. 8 Lakh threshold)
    • Get well benefit: up to Rs. 5,000 (for Rs. 5 Lakh threshold), up to Rs. 8,000 (for Rs. 8 Lakh threshold)
    • No option of sum insured enhancement for people above 65 years of age
  • What’s More?

    The New India Top-up Mediclaim Policy comes with many other benefits like cover for 30 days pre-hospitalisation, 60 days post-hospitalisation, ICU/ICCU expenses up to the specified limit, expenses incurred towards ambulance services, room rent charges, boarding expenses, and nursing charges, etc. Apart from all these, this top-up plan of New India Assurance can also be considered due to:

    • Lifetime renewability
    • Tax benefits as per the Income Tax Act
    • Easy and quick claim settlement by TPA service
    • Period of free look for 15 days to continue or cancel the policy
    • A grace period of 1 month for renewal
  • Conclusion

    The bottom line is that New India Top-up Mediclaim Policy is a great approach to add extra cover to your existing policy. It keeps you financially stable to continue with the treatment even if the sum insured of the regular policy gets exhausted.

    What’s more is that purchasing this policy online at InsuranceDekho is a convenient way. It brings full transparency, quality customer support, discounts, and the facility to compare different policies based on premiums and coverage benefits. When you choose InsuranceDekho, you can be rest assured that you get the right policy at the right premium amount.

New India Top-Up Mediclaim Policy Brochure

  • 707.86 KB
  • PDF Document
  • Jul 23, 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.

Top-Up Mediclaim Policy FAQs

  • What are the sum insured options available under this top-up policy by New India Assurance?

    The Sum Insured options available under this policy range from Rs. 5 Lakh to Rs. 22 Lakh. 

  • What is the tenure of this top-up policy provided by New India Assurance?

    This policy is available for a period of 1 year from the date of inception. 

  • What is the age criteria for New India Top-up Mediclaim Policy?

    The minimum and maximum age of entry to this plan are 18 years and 65 years respectively. However, children aged at least 3 months can also be covered under it. 

  • Are AYUSH treatments covered under this top-up policy?

    Yes. The expenses pertaining to AYUSH treatments are covered if undergone at a government hospital or any institution that is recognised by the government or is accredited by the National Accreditation Board on Health/ Quality Council of India.

  • Are treatments undergone outside India covered under this policy?

    No. Treatments undergone only in India are covered under this policy. 

  • Is pre-acceptance medical check-up required under this policy?

    Pre-acceptance medical check-ups are required for individuals aged more than 50 years with an adverse claim history. However, if any person aged over 50 years is covered under a health insurance policy by New India Assurance and has not registered any claim in the past 2 years, then the pre-acceptance medical health check-up is not required.

  • Are ambulance expenses covered under this policy?

    Yes. Ambulance expenses are covered under this policy subject to a maximum limit of Rs. 5,000 per day for a deductible of Rs. 5 Lakh and Rs. 8,000 per day for a deductible of Rs. 8 Lakh. It is paid for any one illness.  

  • Is there any discount offered to the policyholders under this plan?

    Yes. A family discount of 5% is provided to the policyholders if 2 family members are included in the same policy on an individual basis Sum Insured. Whereas, a family discount of 10% is provided if 3 or more family members are covered under the same policy on the basis of individual Sum Insured. 

  • Who all can be covered under this top-up policy by New India Assurance?

    The Proposer can include Self, Spouse, Dependent Children and Dependent Parents under this policy. 

  • Are daycare treatments covered under this top-up plan?

    Yes. Daycare treatments like chemotherapy, eye surgery, etc. are covered under this policy.

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