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New India Health Insurance

New India Assurance Health Insurance offers a variety of health plans. Policyholders can customize their plans, tenure, and sum assured. They also provide access to a wide hospital network, cashless treatment and discounts.

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Health Insurance Policies by New India Assurance

The list of health insurance plans offered by New India Assurance are mentioned below:

New India Health Insurance Plans

Features

New India Flexi Group Mediclaim Policy

  1. 2% of the sum insured will be provided as ICU charges per day.
  2. Ambulance services will be provided.
  3. Ayush Treatment covered under the policy.
  4. Pre-hospitalisation charges up to 30 days covered under the policy.
  5. Post-hospitalisation charges up to 60 days covered under the policy.

New India Asha Kiran Policy

  1. Accident cover is provided.
  2. 2% of the sum insured will be provided as ICU charges every day.
  3. Specialist, consultant, medical practitioner, and surgeon fees will be provided.
  4. Apart from organ cost, all other expenses that have been incurred for an organ transplant will be provided.
  5. 10% of the sum insured or Rs.50,000 (whichever is lower) will be provided in the case of cataract claims.

Corona Kavach Policy

  1. The sum insured options range from Rs.50,000 to Rs.5,00,000.
  2. The policy can be availed on an individual basis or a floater basis.
  3. You must be hospitalised for at least 24 hours.
  4. Ambulance charges is Rs.2,000.
  5. Waiting period is 15 days.
  6. Single premium.

New India Cancer Guard Policy

  1. The entry age is between 3 months and 65 years.
  2. The sum insured options that are available are Rs.5 lakh, Rs.10 lakh, Rs.15 lakh, Rs.25 lakh, and Rs.50 lakh.
  3. Chemotherapy, Radiotherapy, Organ Transplant, and Onco-surgery treatments are covered.
  4. Room rent expenses are covered.
  5. Second opinion costs of up to Rs.5,000 are covered.
  6. Ambulance charges are Rs.3,000 for every hospitalisation.
  7. Medical expenses are covered for organ transplan

New India Mediclaim Policy

  1. New born baby cover is provided.
  2. The sum insured options available are Rs.1 lakh, Rs.2 lakh, Rs.3 lakh, Rs.5 lakh, Rs.8 lakh, Rs.10 lakh, Rs.12 lakh, and Rs.15 lakh.
  3. Up to 20% of the sum insured or Rs.50,000, whichever is lesser, will be provided for cataract for each eye.
  4. Medical expenses that have been incurred for an organ transplant will be provided.

New India Flexi Floater Mediclaim Policy

  1. Boarding, nursing, and room rent expenses are covered.
  2. Specialist, consultant, medical practitioner, and surgeon fees will be provided.
  3. Apart from the organ cost, all expenses that have been incurred due to an organ transplant will be covered.
  4. ICU and ICCU expenses are covered.

Standard Group Janta Mediclaim Policy

  1. ICU and ICCU expenses covered under the policy.
  2. Surgeon, medical practitioner, consultant, and surgeon fees are covered.
  3. AYUSH treatment covered under the policy.
  4. Cost of ambulance services are covered under the policy.
  5. The cost of Anesthesia, Blood, Oxygen, Operation Theatre Charges, etc. are covered under the p

Jan Arogya Bima Policy

  1. Avail tax benefits under Section 80D of the Income Tax Act 1961.
  2. Premiums up to Rs.10,000.
  3. Sum insured offered for each person is up to Rs.50,00.
  4. Children aged between 3 months and 5 years are also covered given both or one parents are covered under the policy

Universal Health Insurance APL

  1. Boarding expenses are covered under the policy.
  2. The cost of Anesthesia, Blood, Oxygen, Operation Theatre Charges, etc. are covered under the policy.
  3. Surgeon, medical practitioner, consultant, and surgeon fees are covered under the policy.

Senior Citizen Mediclaim Policy

  1. Surgeon, medical practitioner, consultant, and surgeon fees are covered.
  2. Boarding expenses are covered under.
  3. The cost of Anesthesia, Blood, Oxygen, Operation Theatre Charges, etc. are covered.
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How to File a Claim With New India Assurance?

Cashless & Reimbursement Claims are the 2 types of claims you can file with New India Assurance. For cashless claim, visit a network hospital and show your health card. The hospital will verify your identity details and send a pre-authorisation request to the insurer or the TPA. The insurance company will process the request and approve or deny the request accordingly. In the case of approval, the insurer will settle the bills directly with the network hospital. In the case of rejection, the insured member can get the treatment at the network hospital but pay the bill out of his or her pocket, and later make a reimbursement claim.

For reimbursement claim, the insured member has to collect all the original medical documents at the time of discharge to submit to the insurer along with the duly-filled and signed claim form. The claim will be approved or denied as per the terms and conditions of the health insurance policy.

New India Health Insurance Online Payment

Visit New India Assurance portal to purchase a new policy online or for a quick renewal of your existing policy. Premium payment can be made online through the insurer's website using netbanking, credit card or debit card. Follow the steps below:

  1. Registered numbers can log in to the website using their customer ID and policy number or renewed quote number that will be sent through SMS to the registered mobile number.
  1. View your premium payments details and save the quote.
  1. Next step is to pay the premium.
  1. Upon successful completion of the payment, your policy will be issued or renewed.

For any queries, send an email to tech.support@newindia.co.in. Mention your customer ID (available in the policy document) in the mail.

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New India Health Insurance Claim Form Details

Claim form can be downloaded from the insurer's website. Part A of the claim form has to be filled by the insured member with policy number, personal details, insurance history, details of hospitalisation, details of claim, and bank account details. Guidance for filling the claim form will be given in the form itself. Part B of the form has to be filled by the hospital were the treatment was taken. Here is a list of details the insured member has to fill in Part A of the claim form

1. Details of Primary insured

  1. Policy number
  2. SI. number or Certificate number
  3. Company TPA ID number
  4. Name
  5. Address

2. Details of Insurance History

  1. Currently covered by any other Mediclaim/health insurance?
  2. Date of commencement of first insurance without break
  3. Company name, policy number, sum insured
  4. Have you been hospitalized in the last 4 years since inception of the contract? Date, diagnosis
  5. Previously covered by any other Mediclaim or health insurance?
  6. Company name

3. Details of Insured Person Hospitalised

  1. Name
  2. Gender
  3. Age
  4. Date of birth
  5. Relationship to primary insured
  6. Occupation
  7. Address
  8. Phone number 
  9. Email ID 

4. Details of Hospitalisation

  1. Name of the hospital where admitted
  2. Room category occupied
  3. Hospitalisation due to
  4. Date of injury or date when disease first detected or date of delivery 
  5. Date of admission
  6. Time
  7. Date of discharge
  8. Time
  9. If injury, give cause, Police report
  10. System of medicine

5. Details of Claim

  1. Details of treatment expenses
  2. Claim for domiciliary hospitalization
  3. Details of lump sum or cash benefit claimed
  4. Claim documents submitted/check list

6. Details of Primary Insured's Bank Account

  1. PAN
  2. Bank account number 
  3. Bank name and branch
  4. Cheque/DD payable details
  5. IFSC Code

7. Declaration by the Insured Member

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New India Health Insurance Toll-Free Number

For any policy-related queries, call toll-free number 1800-209-1415. For any queries, email the insurer at tech.support@newindia.co.in. On the New India Assurance portal, you can request a 'call back' by filling out an online form. Visit the website, click on 'Call Me' tab on the top right-hand corner of the page. Fill in the form with your name, email ID, mobile number, preferred time to call, description, and click on submit. An insurance agent or customer support executive of the insurance company will call you back at your convenience.

New India Assurance Network Hospitals

New India Assurance offers cashless facility at several medical facilities across the country. It has partnered with a number of hospitals called the network hospitals in order to provide cashless hospitalization to its customers. Cashless facility can be availed only at a network hospital. You can locate a network hospital in your area using the online network hospital locator tool. All you have to do is enter the state and city of residence. The tool will give you a list of network hospitals in your area with contact details.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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FAQs on New India Health Insurance

  • What is the maximum coverage amount available for Cataract treatment under the New India Floater Mediclaim policy?

    The maximum coverage amount allocated for Cataract treatment under the New India Floater Mediclaim policy is Rs. 50,000.

  • Does the New India Asha Kiran policy provide cashless treatment?

    Yes, the New India Asha Kiran policy offers the cashless facility.

  • What is covered under the Mediclaim Policy?

    The Mediclaim Policy covers the following areas -

    1. Illness and diseases resulting in hospitalization
    2. Accidental injuries requiring treatment at a hospital
  • What is the eligible age to avail a New India Health Insurance Mediclaim Policy?

    Mediclaim Insurance policy is available to persons between ages of 5 years to 80 years. Mediclaim Insurance policy is also available for children between 3 months and 5 years of age under the condition that either one or both of the parents of the child are already covered by the policy.

  • What is the tax benefit that can be availed under a Mediclaim Policy?

    Premium up to Rs.10000 paid on a Mediclaim Policy is exempt from tax. Section 80 D of the Income Tax Act. It qualifies premium paid on insurance as a tax benefit?

  • Which groups are eligible for the Group Mediclaim Policy?

    Group Mediclaim Policy can be availed by a group of persons under a central administration. It can be applied for by any organisation that consists of at least a 100 members who are looking to be covered by the Group Mediclaim Policy. This policy is not limited to and is not limited to an association, a corporate entity, and an educational institution.

  • Are there insurance policies that cover cancer patients?

    Yes, there are insurance policies that cover for cancer patients. They are as follows -

    Cancer Medical Expense Policy is available for the members of the Indian Cancer Society

    New India Cancer Guard Policy can be availed by a person

  • Does the Mediclaim policy cover expenses in case of illnesses and injuries through accident incurred outside of India?

    Yes, Mediclaim policy covers expenses for diseases and injuries contracted worldwide as long as the treatment is obtained in India.

  • Can the spouse or any other family member of the holder of the Mediclaim policy avail protection while being covered by another Mediclaim Policy?

    No, the spouse or any other family member of the holder of the Mediclaim policy cannot avail protection if they are being covered by another Mediclaim Policy.

  • What is the definition of continuous treatment according to the Mediclaim Policy?

    An illness that occurs after a lapse of 45 days from the last date of medical consultation is treated as a new illness. Within the stipulated period of 45 days since the last date of medical attention, any illness relapsing or reappearing is treated with medical attention consistent with continuous treatment.

  • How to pay a premium? What are the modes of payment available?

    New India Assurance health insurance premium can be paid through the insurer's website using netbanking, debit card or credit card. In addition to the online payment mode, you can also opt for cash payment at the nearest branch office.

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

    Registered customers can visit the New India Assurance portal and log in to the website with your username and password to check the status of your policy.

  • What is the policy renewal process for New India Assurance health insurance?

    For a quick renewal of New India Assurance health insurance policy, visit the insurer's website. Enter your customer ID and policy number or the renewed quote number sent to you via SMS, and click on 'Proceed'. Your renewal notice will be displayed on the screen with the premium details. Pay the renewal premium online through the New India Assurance portal using net banking, credit card or debit card. On successful payment, your policy will be renewed.

  • What is the company's process to settle claim for New India Assurance health insurance?

    For planned hospitalisation, the policyholder will have to intimate the insurer's Third-Party Administrator (TPA) 48 hours prior to hospitalisation and for unplanned hospitalisation, intimation should be done 48 hours within hospitalisation. For cashless claims, the hospital has to submit a pre-authorisation form to the TPA and for reimbursement claims, the policyholder has to submit supporting documents along with the duly-filled claim form to the TPA. The cashless claim settlement will be made directly to the network hospital. In the case of reimbursement claim, the amount will be transferred to the policyholder directly.

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

    During the free-look period, if you want to cancel the policy on the account of having any objections to the terms and conditions of the policy, you can do so by returning the policy documents and submitting a duly-filled surrender form at the nearest branch office. The policy can be cancelled at any time during the policy term provided a claim hasn't been made. Any claim request made prior to cancellation of the policy will be processed by the insurer.

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