New India Assurance Health Insurance

The New India Assurance policy can be opted for by individuals who are between 18 and 65 years old. This also includes children aged between 3 months and 25 years old who are financially dependent. Renewal of the policy is available for a lifetime, as long as it is done on time. The proposer has the liberty to select a Sum Insured from 10-15 Lakhs. Nonetheless, the 4,6,7 Lakh sum insured amounts are only accessible for renewals.

Arogya Sanjeevani Policy

1. Coverage ranges from INR 50,000 to INR 10 lakhs in multiples of INR 50,000.
2. Choose between individual or floater sum insured basis.
3. No pre-acceptance medical checkup is required.
4. Room rent covers up to 2% of the sum insured (max INR 5,000). ICU/ICCU covered up to 5% of the sum insured (max INR 10,000).
5. Eligible dependents include spouses, children, parents, and parents-in-law.
6. Cataract surgeries covered up to 25% of the sum insured (max INR 40,000).
7. 100% coverage for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatments.
8. HIV, mental illness, and genetic disorder treatments are also payable under the policy.
9. Cumulative bonus of 5% per claim-free year, up to a maximum of 50%.

New India Asha Kiran Policy

1. Girl children get a 50% discount on premiums.
2. Critical care benefit: 10% of the sum insured.
3. Personal accident cover: up to 100% of the sum insured.
4. Room rent: 1% of the sum insured per day.
5. ICU charges: 2% of the sum insured per day.
6. Hospital cash: up to 1% of the sum insured.
7. Ambulance charges: up to 1% of the sum insured.
8. Cataract claims: up to 10% of the sum insured or INR 50,000 (whichever is less) per eye.

New India Premier Mediclaim Policy

1. The policy provides protection against unexpected hospitalization expenses for you and your family.
2. The policy allows coverage for a minimum of one and a maximum of six members.
3. Members above the age of 50 require a pre-acceptance medical check-up.
4. Newborn babies are covered for illness or injury from birth until the policy expires without requiring an additional premium.
5. The policy offers two plans for you to choose from:
6. Plan A: It provides a Sum Insured of INR 15,00,000 and 25,00,000.
7. Plan B: It offers a Sum Insured of INR 50,00,000 and 100,00,000.
8. The Sum Insured you select and is accepted by the insurer represents their maximum liability for all eligible payments under the policy, except for Critical Care Benefit

Yuva Bharat Health Policy

1. No pre-policy medical check-up is required.
2. Hospital cash and the cost of health check-ups are covered.
3. Newborn baby cover and medical second opinion are also provided.
4. Reinstatement of the sum insured is available.
5. Hazardous sports are covered.
6. Road ambulance loading of up to 7.5% based on health parameters is included.
7. Optional cover for enhanced maternity limit is available.
8. An instalment facility is available for monthly, quarterly and half-yearly payments.
9. The policy offers life-long renewals.
10. Tax benefits under Section 80D are applicable.

Young India Digi Health Policy

1. Retail Policy by The New India Assurance with premium > INR 5000/- (excluding GST) gets a 2.5% discount.
2. Health Checkup Expenses are reimbursable up to INR 3,500/- after 2 claim-free years.
3. 100% Sum Insured reinstatement available for non-claimed illnesses.
4. Hospital Cash of INR 500/- per day, maximum 5 days.

New India TOP-UP Mediclaim Policy

1. The policy can cover up to 6 family members on an Individual or family floater sum Insured basis, with age limits of 18 to 65 years 2. for the proposer and 3 months to 65 years for other members. Get well benefits amount to INR 5,000/- for a threshold of 5 Lakhs and INR 8,000/- for a threshold of 8 Lakhs.

New India Floater Mediclaim Policy

1. Cumulative Bonus: 25% of Sum Insured for each claim-free year, capped at 50% of SI.
2. Newborn Baby Cover included.
3. Critical Care Benefit provides 10% of the Sum Insured.
4. Newly married spouses can be included midterm.

1. Government Health Insurance Company: Reliable coverage backed by a government entity dedicated to serving the public.

2. Customer-Centric Approach: Offers personalized services and exceptional support for your unique healthcare needs.

3. Easy Claim Settlement Process: Smooth and efficient claim settlement process, simplifying filing and settlement procedures for hassle-free benefits.

4. High Claim Settlement Ratio: Claim settlement ratio of over 90%, ensuring that your claims will be handled efficiently and fairly,

5. Comprehensive Coverage: New India Assurance Health Insurance plans, are tailored to meet diverse healthcare needs, protecting medical expenses, hospitalization, treatments, surgeries, and more.

Here are the key features of New India Assurance Health Insurance:

1. Quick and Easy Claim Settlement Process: Policyholders receive claims for medical expenses quickly and easily.

2. Claim Settlement Ratio: High claim settlement ratio of 92.93% (as per the annual report of IRDAI in 2021-22).

3.Tax Benefits: Is available to the policyholders for health insurance premium payment for self, spouse and dependent children upto the threshold limit of Rs. 25000 per year under section 80D and an additional amount for dependent parents.

4.Solvency Ratio: All insurers must maintain a minimum solvency ratio of 1.5 under IRDAI regulations. New India Assurance has a high solvency ratio of 1.82 (as per the IRDAI annual report for 2022-23).

5. Network Hospitals: Policyholders can avail of cashless medical treatments during emergencies in more than 3000 network hospitals nationwide.

• New India Assurance Health Insurance offers a range of sum insured options from Rs 1 to 15 lakh, excluding Rs 4/6/7 lakh for new policies (available for renewal).
• The policy term is one year with lifelong renewal after 65 years of age, ensuring uninterrupted coverage.
• A cumulative bonus of 25% of the sum insured, up to a maximum of 50%, is provided for a claim-free year.
• The insured is eligible for a health check-up facility once every three claim-free years.
• Premium paid for the policy is tax-exempt under Section 80D of the Income Tax Act, 1961.

Listed below are add-ons provided in the New India Assurance policy.

• Hospital Cash Allowance: This add-on grants the policyholder a fixed daily allowance for each day of the hospitalization period, regardless of the hospitalization costs incurred by the policyholder.
• Benefits for Critical Illness: Provides a lump sum benefit to the policyholder upon diagnosis of a covered serious illness.
• Personal Injury Benefit: Compensation in case of unexpected death, total disability, or partial disability of the policyholder due to an accident.
• Maternity Allowance: Maternity-related costs, including normal delivery and caesarean section, antenatal and postnatal expenses, and newborn protection.

Here is the process to buy New India Assurance Health Insurance Plans.

1. Click on the Health tab of the home page coverfox.com
2. Select:
   • Gender
   • Members
   • Ages of all members
   • PIN Code and your contact information
3. Choose the specific New India Assurance Health Insurance Plan that you wish to buy and click on the “Buy Now” tab
4. Add all details and choose the plan options, riders, etc.
5. Make payment online.
6. The policy document will be shared with you in your registered email ID.

Documents Required for Buy

To buy the New India Assurance health plan, you need the following documents:

• Identity proof
• Age proof
• Address proof
• Medical certificate, if any tests have been conducted.

To renew your policy New India Assurance Health Insurance Online, follow the below steps.

• Log in with your credentials.
• Look for the 'online services' option and select 'renew policy'.
• Enter the policy number and other required details.
• Check if all the details are correct, then proceed to payment.
• Once the payment is successful, you will receive a confirmation message.
• You will then receive the renewed policy document via email.

Documents Required for Renew

To renew a New India Assurance health plan, you need the following documents:

• Your original policy number, document, etc.
• An online Policy Renewal form with all details duly filled in
• Your ID Proof, if asked
• Online payment details in order to renew the plan.

New India Assurance Health Insurance offers a hassle-free and efficient claim settlement process, in both Cashless as well as Reimbursement.

Cashless Claims:

This is when you get admitted into the hospital with your health card and policy details and provide your identity proof and doctor’s advise for hospitalisation. At the time of discharge, the hospital would co-ordinate with the insurer and get your claim settled. Only the remaining non-payable amount, if any, needs to be paid by you at the time of discharge.

Documents needed for a Cashless Claim:

• Insured person’s PAN or Aadhar Card
• Policyholder’s PAN Card
• Insurance Policy details or Health Card
• The doctor’s advise for hospitalisation.
• The rest of the paperwork would be taken care of by the hospital.

Reimbursement Claims:

This is when you need to get the treatment done from the hospital at your own expense and then submit all relevant documents for a reimbursement with the insurer. Here are the step-by-step details of the reimbursement claim process: You need to keep the insurer informed about the hospitalisation After paying the entire claim out-of-pocket, you need to submit all relevant documents to the insurer for verification purposes. The claim amount will be transferred directly to your bank account.

Documents Required for Claim:

To file a reimbursement claim under New India Assurance Health Insurance plans, you must provide the following documents:

• New India Assurance health card
• Doctor's advice for hospitalisation
• Insured and policyholder’s KYC documents
• All original medical treatments and test reports
• Original bills, invoices and receipts of payment made
• Pharmacy bills along with their prescription
• Discharge summary stating the line of treatment
• Policyholder’s bank account details along with cancelled cheque.

Here is a list of what is covered under New India Assurance Health Insurance.

1. In-room costs: Coverage for room and nursing charges is provided up to 1% of the total sum assured. This includes charges for IV fluids, blood transfusion, resident medical officer (RMO) fees, ICU charges and more.

2. Newborn Coverage: Newborn babies are eligible for coverage starting from the date of birth without any waiting period.

3. Daycare: The plan covers specified daycare procedures which do not require 24 hour hospitalisation, ensuring comprehensive coverage for necessary medical treatments.

4. Ambulance charges: For emergency transportation costs.

5. AYUSH Treatment: The plans cover AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) treatment up to 25% of the total sum assured at government-run centres.

6. Pre and Post Hospitalization Expenses: for diagnosis and recovery from the hospitalisation.

7. Coverage for Critical Illnesses: The policy provides coverage for 11 critical illnesses as specified in the policy document, offering financial protection in case of serious health conditions.

8. Get Well Benefit in Top-up Plan: The New India Assurance Top-up plan provides a Get Well Benefit based on the selected threshold amount.

9. Pre-existing ailments coverage: After the waiting period as specified in the policy document.

10. Additional Benefits: Enjoy benefits like good health discounts, loyalty discounts, and reimbursement for regular health check expenses.

Here are some common exclusions that may apply to New India Assurance Health Insurance plans, but please note that they may vary depending on the specific plan:

• Treatment for gender reassignment or illegal activities
• Corrective eye surgeries
• Coverage for suicide or attempted suicide
• Treatment for sexually transmitted diseases (STDs) such as HIV
• Medical expenses related to alcohol or drug abuse
• Cosmetic surgery costs
• Treatment for unproven or advanced experimental procedures
• Injuries incurred during participation in adventurous sports
• Weight reduction treatments unless prescribed by the doctor as a life-threatening one
• Medical expenses incurred due to war or similar conditions.

Consider choosing us for:

1. IRDAI Certified: Meet standards and guidelines set by the Insurance Regulatory and Development Authority of India (IRDAI).

2. Discounted Premiums: Save on health insurance costs with our discounted premiums while still receiving comprehensive coverage.

3. Simple Buying Process: Hassle-free and streamlined buying process for a smooth customer experience.

4. Convenient Plan Comparison: Easily compare health insurance plans on our user-friendly platform for informed decision-making.

5. 24x7 Claim Assistance: There is a dedicated team that is available round the clock for prompt and efficient claim assistance.

New India Assurance offers comprehensive health insurance plans with various benefits. Users can conveniently purchase New India Assurance Health Insurance Online. With New India Assurance Health Insurance, you can protect yourself and your loved ones against healthcare expenses and enjoy a hassle-free insurance experience. Stay covered and secure with New India Assurance!