New India Health Insurance Top-Up Mediclaim Policy

Top-Up Mediclaim Policy
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About New India Health Insurance 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

  • Can choose

    There are quite a few top up health insurance plans out there in the market which offer many benefits to the customers but i chose this one because of...

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    M
    Manjunath S
    On: Feb 25, 2020 | Views
  • Many many benefits

    Anyone between the age of 3 months and 65 years can buy this plan from insurancedekho. All you need to do is get in touch with the customer care execu...

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    N
    Niharika Singh
    On: Feb 25, 2020 | Views
  • Superb plan

    The customer care executives are really helpful. I already had a standard plan but they told me abt how a top up plan works and i found it useful so b...

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    H
    Himanshu Gautam
    On: Feb 17, 2020 | Views
  • Nice services of ID

    The customer care executives at inusrancedekho understand your needs well to suggest you the best plan. I purchased top up mediclaim policy from insur...

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    T
    Trisha Goswami
    On: Feb 17, 2020 | Views
  • Good plan..!

    Top up mediclaim policy from new india covers me for many expenses additionally apart from my basic health insurance plan. These include cover for ICU...

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    S
    Shivani Dabi
    On: Jan 15, 2020 | Views
  • Gives good coverage

    With many great benefits under this plan, the good thing is that i got it at nominal premium. Iam 40 years old and have added my spouse and dependent ...

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    P
    Puneet Anand
    On: Jan 15, 2020 | Views
  • Best decision to buy

    Top up mediclaim policy is the best policy one could buy after the standard health insurance plan. I got to know its benefits when i had a word with c...

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    K
    Kishore Aggarwal
    On: Dec 30, 2019 | Views
  • Adds extra coverage

    One should always have a top up medical plan even if they already have a basic plan or the one provided by their insurers. It not only adds extra cove...

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    N
    Narendra Khanna
    On: Dec 30, 2019 | Views
  • Useful policy

    I purchased this policy as an additional one apart from my standard health insurance plan. I had little knowledge of how this plan works. But the cust...

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    V
    Vinod Bhaskar
    On: Dec 13, 2019 | Views
  • Many benefits are covered

    Top up mediclaim policy offered by new india covers many expenses. For instance, emergency ambulance cover, AYUSH treatment, daycare treatments, ICU c...

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    R
    Ramesh Kataria
    On: Dec 13, 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 ...

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    A
    Anurag Basu
    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...

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    D
    Deepak Khurana
    On: Dec 03, 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...

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    s
    sandesh vasant jadhav
    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 ...

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    T
    Tanvi
    On: Nov 22, 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 ...

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    D
    Dilip jha
    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 pla...

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    M
    Maneesh Kumar
    On: Nov 13, 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 po...

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    K
    Kaushalendra kumar
    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 t...

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    r
    rajendra
    On: Nov 04, 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...

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    d
    deepali devi
    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...

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    H
    HITESH PRASAD
    On: Oct 23, 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 cov...

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    V
    Vikrant Pawar
    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. I...

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    s
    sudhakar
    On: Oct 11, 2019 | Views
  • 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 dr...

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    K
    Kiran Reddy Mallarapu
    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 ...

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    S
    Satish
    On: Sep 27, 2019 | Views

Expert Review for New India Assurance 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 Assurance Top-Up Mediclaim Policy Brochure

  • 707.86 KB
  • PDF Document
  • Jul 23, 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.

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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