New India Health Insurance

Health is known to be a person’s biggest asset. Hence, it is always wise to protect it from unforeseen situations and medical hazards. Established in the year 1919, New India Assurance is one of the oldest players in the insurance space.

On the international circuit, it has offices in over 20 countries through different channels.

The company provides health insurance plans that cover up to 6 family members. It offers a pre and post hospitalisation cover and a lifetime renewal benefit. These benefits ensure that you focus on your well-being and let the insurance provider take care of everything else.

New India Assurance Health Insurance

New India Assurance Company was established in the year 1919 by Sir Dorabji Tata. It is the biggest public sector general insurance companies in India since the last 40+ years. It has also spread it wings in 28 different countries. New India Assurance Company has also won certain awards such as Golden Peacock Business Excellence Award in 2017, India Insurance Summit – Insurance Company of the Year in 2017 and many more. It currently operates through 2452 offices in India.

Why New India Health Insurance?

Being the largest government owned general insurers, New India Assurance Company definitely has become the best choice for many of us. A plethora of health insurance products are offered by this Company at a very competitive rate for both individuals as well as for family (family floater). The New India Assurance Company also reimburses the cost of medical check-up. Various other benefits such as hospital cash for a maximum of 10 days is offered. It also offers a grace period of 30 days from the due date of the health insurance policy. The health insurance plans offered here can be renewed lifelong. It covers pre-existing conditions post 4 years of waiting period from the date of policy issuance. New India Assurance also offers the facility of online renewal of health insurance plans at the convenience of your home and office, within a few minutes. People also feel safe and secured to invest in a health insurance plan with New India Assurance since it is fully owned by our Indian government.

Features of New India Health Insurance

  • No. of members - The plan covers maximum 6 members of your family with up to 4 children and 2 adults.
  • Lifelong Renewal – The plans offered are lifelong renewable, hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
  • Pre & Post hospitalization cover - The plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization only for related medical expenses.
  • Health Check-ups – Offers health check - up costs at the end of three claim free years.
  • Pre-existing diseases - Pre-existing diseases are covered after 4 years of waiting period

Benefits of New India Health Insurance

  • Fully owned by the Indian Government and is one of the biggest insurance providers in the public sector.
  • Being a public sector company automatically makes it more trustworthy. This is backed by the fact that they have an AAA/Stable rating from CRISIL, which is a testament to their great financial health and their ability to fulfill their customers' claims.
  • New India Assurance health insurance has over 3000 offices all over India and is probably the most easily accessible health insurance company.
  • The incurred claim settlement ratio of New India Assurance Health Insurance for F.Y. 2017 - 18 is 103.19%.

What is covered in New India Assurance Health Policy?

The New India Assurance Health Plan offers the below benefits:

  • Offers newborn from the date of birth without any waiting period
  • Offers coverage for ICU charges for each hospitalized day up to 2% of the total sum assured
  • Offers coverage for room and nursing charges up to 1% of the total sum assured including the charges for IV Fluids, blood transfusion, RMO, etc.
  • Offers coverage for specified day care procedures
  • Offers coverage for ambulance charges up to 1% of the total sum assured
  • Offers coverage for pre as well as post hospitalization expenses
  • Offers coverage for 11 critical illnesses specified in the policy document
  • Offers AYUSH treatment up to 25% of the total sum assured at a centre run by Indian government
  • New India Assurance Mediclaim Top up plan offers the get well benefit depending on the threshold amount opted for
  • The New India Mediclaim 2007 policy offers benefits such as good health discounts, loyalty discounts as well as expenses related to reimbursement of health check.

What is not covered in New India Assurance Health Policy?

The New India Assurance Health policy doesn’t offer coverage under the below conditions:

  • Non-medical expenses: Registration charges
  • Out-of-scope: HIV, adventure sports and unproven medical procedures
  • Illegal reasons: Self-inflicted injuries, drugs, alcohol abuse
  • Non-medical expenses: Registration charges

Plans offered by New India Assurance Health Insurance

New India Top Up Mediclaim

The policy can be allotted on Individual or Floater Sum Insured basis covering up to 6 members of the family. If the policy is to be issued on Individual Sum Insured basis, then separate document will be issued to each Insured. The family comprises of self, legal spouse, dependent children and dependent parents.

  • This Policy covers In–Patient Hospitalization Expenses incurred in India.
  • This Policy offers protection in excess of any Primary Health Policy/Benefit scheme that the Insured may have. This policy will respond only when the aggregate of all Hospitalization expenses (except Pre / Post hospitalization expenses) of one or all members of the policy, exceeds the “Threshold” stated in the policy.
  • The Sum Insured is the maximum liability of the company for all members of the policy.
  • Age of Entry: Proposer: 18 to 65 years Other members: 3 months to 65 years
  • Sum Insured offered from Rs. 5 lac to Rs 22 lac

Note:

  • Pre–acceptance health check–ups will be required in the following instances:
  • For persons above 50 years of age OR
  • For persons with Adverse Medical/claims history.
  • Enhancement of Sum Insured and Threshold is available only at the time of renewal.

Mediclaim 2012 Policy

This is an individual health insurance plan launched by New India to cover basic hospitalization expenses.

  • This is a basic plan, which offers coverage in the range of Rs.2 lakh and Rs.8 lakh for individuals between age 18 years and 65 years.
  • Dependent children between age 3 months and 25 years can be covered only if one of the parents is covered.
  • Pre and post hospitalization expenses, no claim bonus, health check-up (every 3 years), etc. are the benefits provided in this plan.

Note:

  • The sum insured is in the range of Rs.1 lakh and Rs.3 lakh for individuals above age 55 years.
  • Sub-limits (room rent limit, ICU rent limit, etc.) are applicable in this plan.
  • The premium amount for this plan would differ with geographical zones.
  • Co-pay (amount to be paid by the individuals themselves for each claim) is applicable in case of treatment in different geographical zone.

In case you wish to know more about this plan in order to make your decision, please click here.

Mediclaim 2007 Policy

Before the launch of Mediclaim 2012, this was the most basic plan offered by New India to cover hospitalization expenses.

  • Co-pay (amount to be paid by the individuals themselves for each claim) is applicable in case of treatment in different geographical zone. In case you wish to know more about this plan, please contact Coverfox.

If you want a plan to cover your average health expenses offered by New India, please click here.

Janata Mediclaim Policy

Janata Mediclaim policy is an affordable health insurance plan available for poorer section. The coverage offered under this plan are:

  • This policy offers health coverage of INR 50,000 and INR 75,000 for individuals between age 3 months and 60 years.
  • Pre and post hospitalization expenses, coverage for day care procedures, ambulance charge expenses cover, etc. are the benefits provided in this plan.

Senior Citizen Mediclaim Policy

As the name suggests this plan is available specifically for senior individuals above age 60 years seeking a mediclaim policy. Coverage offered under this plan is briefly stated below:

  • This policy offers coverage of Rs. 1 lakh and Rs. 1.5 lakh for senior citizens between age 60 years and 80 years.
  • Pre and post hospitalization expenses, ambulance charges, etc. are covered in this policy.

In case you wish to buy this plan for yourself or seniors in your family to have a look at all the terms and conditions in the policy. Please click here.

Personal Accidental Policy

This is a personal accident disability plan offered by New India. Here is a brief of benefits offered by this plan:

  • This policy offers compensation in case of accident related incidences for individuals between age 5 years and 70 years.
  • The sum insured value is equal to income for 6 years of employment. For non-working spouses, the sum insured is 50% of earning spouse's income.
  • The coverage options are divided into tables.
  • Table D– This option will provide compensation in case of accidental death
  • Table C– In this option, in addition to coverage under table D, it covers permanent total disability, loss of limbs, etc.
  • Table B– In this option, along with coverage in table C, it provides coverage in case of permanent partial disability.
  • Table A– In this option, along with coverage in table B, it provides coverage in case of temporary total disability.

In case you want to buy a plan which offers benefits in case of death or disability due to accident, please click here to know more about this plan.

Rasta Apatti Kavach (Road Safety Insurance)

In case you travel daily by road and want to secure yourself against road accident here is a brief on coverage offered by Rasta Apatti Kavach:

  • This policy provides coverage specifically for road accidents in the range of Rs. 25,000 and Rs.1 lakh
  • There are two sections under this policy.
  • Section I– Offers compensation cover in case of personal accident
  • Section II– Covers medical expenses incurred during treatment of accident related injuries during hospitalization.

If you want to buy this plan and are interested to know more about it, contact Coverfox.

Union Health Care Policy

This is a health insurance plan with coverage for personal accident. Given below are details of coverage offered:

  • This policy offers coverage to individual between age 5 years and 65 years and dependent children between age 3 months and 5 years.
  • Pre and post hospitalization expenses, personal accident cover of Rs.1 lakh, etc. are the benefits provided in this plan. In case Union Health care policy is suitable for your needs and you wish to know more about it, contact Coverfox.

New India Asha Kiran Policy

This is a special family floater plan, which is offered only to parents having a girl child. Coverage offered under this plan is:

  • It covers health cost of entire family in the range of Rs. 2 lakh and Rs. 8 lakh.
  • There are two sections of this plan
  • Section I- This section covers hospitalization expense, including benefits like hospital cash allowance, critical illness cover, treatment of congenital, etc.
  • Section II- This section provides compensation in case of accidental death, permanent total disability, etc.
  • Hospitalization benefit, extra coverage in case of critical illness (10% of the sum insured after diagnosis), coverage for day care procedures, maternity benefits, etc. are the benefits provided in this health insurance plan.

Note:

  • Sub-limits are applicable for coverage under section I plan.
  • The premium amount under section I would differ with geographical zones.
  • Co-pay is applicable in case of change in the geographical area for treatments under section I.

If you are a family with a girl child you might want to know more about this plan. In such case, please click here for more details.

Family Floater Mediclaim Policy

This is a family floater plan, which offers coverage for basic hospitalization expenses. The details of coverage offered under this plan are as follows:

  • This is a family floater plan, which covers health costs of the entire family in the range of Rs. 2 lakh and Rs. 5 lakh.
  • A maximum of 2 dependent children, proposer and proposer's spouse can be covered under this policy.
  • Pre and post hospitalization expenses, coverage for day care procedures, loyalty discount, etc. are the benefits provided in the plan.

Note:

  • The premium amount for this plan would differ with geographical zones.
  • Co-pay is applicable in case of change in the geographical area for treatment.
  • Sub-limits are applicable in this plan.

If you are looking out for a health insurance plan which offers coverage for basic hospitalization expenses on family floater basis. Please click here to know more about family floater mediclaim.

New India Floater Mediclaim Policy

This is a health insurance plan with additional coverage for critical illness. It offers coverage on a family floater basis. Some coverage offered under this plan is as follows:

  • This is a family floater plan, which covers health costs of the entire family in the range of Rs.2 lakh and Rs.8 lakh.
  • Policyholder, spouse and 2 dependent children (up to age 25 years) can be covered under the same policy.
  • Pre and post hospitalization expenses, coverage for day care procedures, maternity coverage, etc. are the benefits provided in this plan.
  • Additionally, after diagnosis of critical illness it is covered for 10% of sum insured.

Note:

  • The premium amount for this plan would differ with geographical zones.
  • Co-pay is applicable in case of change in geographical area for treatment.
  • Sub-limits are applicable in this plan.

If you want to buy a family floater plan offered by New India which covers your entire family on shared basis, please click here for more details.

Eligibility of New India Assurance Mediclaim Policy

Every mediclaim policy has an eligibility criteria. However, the below mentioned are the most generic criteria’s to be followed for enrolling to the New India Assurance Mediclaim policy:

  • The minimum entry age is 18 years and maximum entry age is 65 years for adults and children from 3 months up to 25 years.
  • The sum assured can be Rs.2 lakhs, Rs.3 lakhs, Rs.5 lakhs or Rs.8 lakhs. You can increase the sum assured amount at the time of renewal depending on the policy terms and conditions.

New India Assurance Network Cashless Hospitals

New India Assurance Company provides a cashless facility at various hospitals in India. These empanelled hospitals are known as the network hospitals. Here you can avail cashless services. However, remember that you can avail a Cashless facility only if you take a treatment or are hospitalized in a hospital empanelled with New India Assurance.

You can view the list of New India Assurance Network Hospitals on the official website of New India Assurance Company.

New India Assurance Health Insurance Online Payment

You can visit newindia.co.in/portal/ to either renew or buy a health insurance plan. You can also make the payment for your health insurance premium by logging in to the insurer's website and using your credit card, net banking, or debit card. You can follow the below steps:

  • If your mobile number is registered with New India Health Assurance, you can directly log in to the website using the Company’s customer ID and policy number or renewed quote number. You will receive a SMS on the registered mobile number.
  • You can save the premium quote by viewing the premium payments details.
  • Make the premium payment.
  • Your New India Health Insurance policy would be then issued or renewed post the successful premium payment.

New India Assurance Health Insurance Renewal

You may visit the official website of New India Assurance to get your health insurance renewal done. All you need to do is type your customer id as well as the health insurance policy number that would be sent on your registered mobile number via SMS. You may then click on the ‘Proceed’ button. You will get to see your renewal notice on the screen that will also mention your premium details. You may then use your debit card, credit card or net banking facility to make the premium payment. Your policy will then be renewed post successful payment.

Dos and Don’ts of New India Assurance Health Insurance

Mentioned below are certain Dos & Don’ts of New India Health Insurance:

DO'sDONT's
Always make note of your health insurance policy renewalDo not keep a gap of even a day for your renewal since you won’t be able to make a claim in case of break in the policy
You can renew the health insurance policy in advance before the due dateLifetime renewal is possible only if there is no break in the health insurance policy
Always read the policy document properly and the claim settlement processNever conceal any facts regarding your health conditions or pre-existing diseases, etc.
You can cancel your New India Assurance Health policy within 15 days from the policy issuance if you do not agree to the terms and conditionsNever give any incorrect information in the proposal form
Ensure to pay the renewal premium within 30 days of the due date (grace period) to avoid the policy getting lapseDo not delay to submit the required documents on time to the TPA or New India Health Insurance Company.
Double check the pre-authorization form before signing it
Remember you will have to share the expenses along with the insurer during claim settlement

Claims Process at New India Health Insurance

If you intend to make any claim under this Policy You must:

  • Immediately intimate TPA/Policy issuing office (as the case may be) in writing on any Disease/Injury being suffered before Hospitalization.
  • Intimate within twenty-four hours from the time of Hospitalization in case of Hospitalization due to medical emergency.
  • Submit following supporting documents to TPA/Policy issuing office (as the case may be) relating to the claim within seven days from the date of discharge from the Hospital:
  • Bill, Receipt and Discharge certificate / card from the Hospital.
  • Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.
  • Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.
  • Surgeons certificate stating nature of operation performed and Surgeons' bill and receipt.
  • Attending Doctor's/ Consultant's/ Specialist's / Anesthetist's bill and receipt, and certificate regarding diagnosis.
  • Certificate from attending Medical Practitioner / Surgeon that the patient is fully cured.
  • In case of Post-Hospitalization treatment (limited to sixty days), submit all claim documents within 7 days after completion of such treatment.
  • Provide TPA/Policy issuing office (as the case may be) with authorization to obtain medical and other records from any Hospital, Laboratory or other agency.
  • In case you need to reach out to the company directly, you can contact them at their toll free number 1800-209-1415 or you can also write to customercare.ho@newindia.co.in.

Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.

How to File a Claim with New India Assurance?

There are two types of claim that you can file if you have a health insurance policy with New India Assurance. They are Cashless claim and reimbursement claim. You can visit any network hospital to avail cashless claim services. However, ensure that you carry your health card and identity proof . Your details would be verified by the hospital. On successful verification, the hospital will then send a pre-authorization request to New India or the TPA. New India Assurance will then approve or reject the claim once the request is submitted. If your cashless claim gets approved then New India Assurance will then settle the bills directly with the network hospital. However, if the insurer denies your cashless claim, you can still go ahead and take a treatment in the same hospital but make the bill payment out of his or her pocket and then apply for a reimbursement claim.

If you wish to go ahead with the reimbursement claim, you will then have to take all the original medical bills and other documents once you are discharged along with the duly-filled and signed claim form. New India Assurance will then either approve or reject your health insurance claim depending upon the terms and conditions of the health insurance policy.

New India Health Insurance Claim Form

You can download the claim form by visiting official website.

The insured will have to fill in the Part A of the claim form. All the important details such as the insurance history, personal details, policy number, bank account details, details of hospitalisation, details of claim, etc.

  • Details of insured person hospitalised:

    • Name
    • Gender
    • Occupation
    • Phone number
    • Age
    • Date of birth
    • Relationship to primary insured
    • Address
    • Email ID
  • Details of primary insured:

    • Policy number
    • Name
    • Address
    • SI. number or Certificate number
    • Company TPA ID number
  • Hospitalisation Details:

    • Name of the hospital where admitted
    • Room category occupied
    • Hospitalisation due to
    • Date of injury or date when disease first detected or date of delivery
    • Date of admission
    • Time
    • Date of discharge

The hospital where the insured is getting treated will fill the Part B of the claim form. Here is a list of details the insured member has to fill in Part A of the claim form:

New India Assurance Health Insurance Toll-Free Number

In case of any queries regarding your health insurance policy, you may call on the New India Assurance Health Insurance toll-free number 1800 – 209 – 1415. You can also email the insurer on tech.support@newindia.co.in. You may also request a call-back by simply filling a form online on the New India Portal.

Review of New India Assurance Health Insurance

New India Assurance, being one of the major and oldest general insurance companies in India, is more widespread than any other health insurance player. With remarkable financial health, their capability to fulfill their customers' claims is undeniable. However, for those who would not appreciate the sub-limits on the room rent and co-payment clause in their policy, this may not be the right option.

Being the largest government owned general insurer, New India Assurance Company definitely has become the best choice for many of us. The various health insurance products offered by this Company are at a very reasonable rate. This is one reason why people prefer buying health insurance from New India Asssurance Company. The health insurance products here offer health check-up costs at the end of three claim free years. Besides, this company has also won several awards such as Golden Peacock Business Excellence Award, India Insurance Summit – Insurance Company of the year, etc. The claim settlement process too here is extremely simple and hassle-free. With remarkable financial health, their capability to fulfill their customers' claims is undeniable. However, for those who would not appreciate the sub-limits on the room rent and co-payment clause in their policy, this may not be the right option.

FAQs on New India Assurance Health Insurance

What is the renewal process of New India health Insurance plans?

The health insurance renewal process is very simple. Mentioned below are the steps:

  • Visit the company website and click on the quick help button and then scroll down to ‘Quick renewal’ option
  • Enter your New India Assurance Health Policy Customer Id and Policy Number or you can also enter Fresh/Renewal Quote No. if you do not have a policy number. Click the ‘proceed’ option.
  • View your details and save your Quote to proceed.
  • Pay premium using Credit Card/Debit Card/Net Banking. On successful completion of payment, the policy will be issued / renewed.

Note:

  1. In case of any queries please do mail us at tech.support@newindia.co.in
  2. Customer ID should be the one mentioned in your policy document and not your Login ID.

Does the New India Asha Kiran policy provide cashless treatment?

Yes, all health insurance policies of New India Assurance offers cashless treatment.

How can I check policy status for New India health insurance?

To check the policy status, all you need to do is log in to the New India Assurance’s website. Enter the user id and password and then click on the portal to check the status of your policy.

What is the policy cancellation process for New India health insurance?

You can certainly cancel your New India Assurance’s health insurance policy. If you wish to do so during the free-look period, all you need to do is submit the original policy documents along with the surrender form. You can visit any nearest branch of New India Assurance. You may also wish to cancel the policy any time of the policy period by ensuring that you haven’t made a claim on this policy.

What is Tax Benefits in New India Assurance Mediclaim Policy

You can avail tax benefit of up to Rs.25,000 p.a. for the health insurance premiums paid for a policy for self, spouse and depended children if you are under the age of 60 under Section 80D of the Income Tax Act, 1961.

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