New India Health Insurance – Features, Plans, Claims Process, Buy, Renew Policy, Quotes

New India Health Insurance

The New India Assurance Company is India’s leading Health Insurance Company offering a a wide range of Health Insurance Plans and a vast hospital network. New India Assurance has a strong network of more than 10000+ network hospitals enabling Policyholders to avail cashless claim settlement and a robust claims track record over the last 25 years, making the company a wise choice for Health Insurance. New India Health Insurance had an Incurred Claim Ratio of 106.67% as of March 2024 according to IRDAI Handbook of Insurance Statistics 2023-24

What are the Key Features of New India Health Insurance Plans?

The Key Features of New India Health Insurance Plans are as follows

1. Comprehensive Coverage: New India Health Insurance Plans cover Inpatient Hospitalisation, Pre- and Post-Hospitalisation Expenses , Daycare Treatments, maternity and newborn cover, organ donor costs, ambulance charges, and critical illness benefits.
2. Sum Insured: New India offers different Plans with varied Sum Insured options, ranging from Rs50,000 to Rs1 crore depending on the plan.
3. Eligibility: Adults between 18 to 65 years can opt for the Plan while Senior Citizen Plans are available for those up to 80 years with lifetime renewability.
4. Cumulative Bonus: New India Health Insurance Plans offer Cumulative Bonus ranging from 5% pa to 25% per annum for each claim-free year under the Policy
5. Cashless Claims: New India Policyholder can avail Cashless Claims Settlement across thousands of network hospitals.
6. Discounts: New India offers discounts on Health Insurance Premiums for opting for voluntary Co-Pay, family coverage, and for multi-year policies.

How to Buy New India Health Insurance Policy?

The steps to buy a New India Health Insurance Policy with Qian are as follows:

1. Go to Qian Insurance Broking website <www.qian.co.in> and click on the Health Insurance icon
2. Fill the ‘Get a Free Quote Form’ by submitting your Name, Email ID and Mobile Number
3. An Expert Health Insurance Executive would reach out to you within 15 mins and take the relevant details like the People to be Insured and their Date of Births, Details of Pre-Existing Diseases, Sum Insured and Policy Features required and Premium Budget.
4. The executive will suggest multiple plans from New India based on your requirements and budget.
5. Finalise the Plan and submit necessary documents such as ID proof, Address Proof etc.
6. Pay the premium using net banking, UPI, credit/debit card or wallet.
7. The policy will be emailed to your registered email ID.

How to Renew New India Health Insurance Policy?

The Process to renew New India Health Insurance Policy with Qian is as follows:

1. Contact Qian Insurance Broking or visit the nearest branch office of the Company.
2. Provide relevant details along with the details of the Policy
3. The Qian Insurance Team will assist you with renewal quotes and to submit relevant documents.
4. Pay the premium via cash, cheque or demand draft.
5. The Policy will be mailed to your address within 2 days

What are the different Health Insurance Plans offered by New India Assurance Company?

New India Mediclaim Policy

New India Mediclaim Policy is a comprehensive Health Insurance Plan providing coverage for Hospitalization Expenses, Daycare Procedures, Pre and Post-Hospitalization Costs, AYUSH Treatments, Modern Treatment Methods. In addition, the Policy offers add-on covers for Maternity Coverage and Consumable Cover.

Key Features of New India Mediclaim Policy

1. The Policy offers various Sum Insured Options ranging from Rs1 lakh to Rs15 lakhs.
2. The Policy provides coverage for Hospitalisation Expenses, Daycare Procedures, Pre- and Post-Hospitalisation Expenses for 30 days and 60 Days respectively and AYUSH Treatments
3. The Policy has a Room Rent Limit of 1% of Sum Insured for Normal Rooms and 2% of Sum Insured for ICU Rooms. If the Policyholder opts for a Room with a Rent higher than the Room Rent Limit, then Proportionate Deduction will be applicable.
4. Cumulative Bonus of 25% per year for every claim-free year subject to a maximum of 50% of Sum Insured. If a Claim is made during the year, the Bonus is reduced at the same rate that it is accrued.
5. The Policy provides coverage for Cataract Treatment upto 20% of Policy Sum Insured or a maximum of Rs50,000 per eye, whichever is lower, in one Policy Year
6. Restoration Benefit provided once during the Policy Year for Unrelated Illnesses provided during the Policy Year.
7. New-Born Baby Coverage provided for Hospitalisation Expenses incurred on a New-Born baby from the Date of Birth to Policy Expiry. The Policy covers Internal Congenital Diseases for a New Born Baby without any Waiting Period provided that the Baby is covered under the Policy. External Congenital Diseases are covered after a Waiting Period of 36 months
8. Modern Treatment Methods are covered upto Specified Sub-Limits
9. Add-On Cover where Proportionate Deduction is not applied even if the Insured opts for a Room with a Room Rent higher than the Room Rent Limit
10. Add-On Cover available for Maternity Benefits which provides Maternity Benefits upto a maximum of 10% of average Policy Sum Insured of the preceding 3 years.
11. Waiting Period of 36 months for Maternity Expenses
12. Waiting Period of 36 months for Cataract Treatment
13. Waiting Period of 36 months for External Congenital Diseases
14. Waiting Period of 24 months and 36 months for Specific Diseases
15. Waiting Period of 36 months for Pre-Existing Diseases
16. Lifelong Renewal

New India Assurance Premier Mediclaim Policy

New India Assurance Premier Mediclaim Policy is a comprehensive Health Insurance Policy offering coverage for Hospitalization Expenses, Daycare Procedures, Pre and Post-Hospitalization Expenses, AYUSH Treatments, Modern Treatment Methods. The Plan is offered under 2 Variants – Plan A and Plan B.

Key Features of New India Premier Mediclaim Policy

1. The New India Assurance Premier Mediclaim Policy covers Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses for 60 and 90 days respectively, Daycare Procedures and Modern Treatment Methods.
2. The Policy offers various Sum Insured Options available up to Rs1 Crore
3. The Policy has a No Room Rent Capping Clause
4. The Policy covers Internal Congenital Diseases after a Waiting Period of 24 months without any Limit and External Congenital Diseases are covered upto a maximum of 10% of Policy Sum Insured after a Waiting Period of 36 months
5. Maternity Coverage: Maternity and Child-Care expenses payable upto Rs50,000 and Rs1 Lakh for Plan A and Plan B respectively after a Waiting Period of 36 months.
6. Infertility Treatment Cover: New India Premier Mediclaim Policy covers Infertility Treatment expenses upto Rs1 Lakh for Plan A and Rs2 lakh for Plan B respectively after a Waiting Period of 36 months.
7. Critical Care Benefit: The Policy provides a Critical Care Benefit of Rs2 Lakhs for Plan A and Rs5 Lakhs for Plan B as a Lumpsum Benefit if the Insured is diagnosed with a Critical Illness
8. Cataract Treatments: The Policy provides coverage for Cataract Treatment subject to a Sub-Limit of Rs75,000 for Plan A and Rs1.5 lakhs for Plan B after a Waiting Period of 12 months
9. Modern Treatment Methods are covered upto Specified Sub-Limits
10. Waiting Period of 24 months for Internal Congenital Diseases
11. Waiting Period of 36 months for External Congenital Diseases
12. Waiting Period of 36 months for Maternity Coverage
13. Waiting Period of 36 months for Infertility Treatment Coverage
14. Waiting Period of 36 months for Pre-Existing Diseases
15. Waiting Period of 24 and 36 months for Specific Diseases
16. Lifelong Renewal

New India Assurance Asha Kiran Policy

New India Asha Kiran Policy is a unique Health Insurance Plan designed for Parents of Girl Child. The Policy provides cover for a maximum of 2 Dependent Girls can be covered under the Policy.

Key Features of New India Asha Kiran Policy

1. New India Asha Kiran Policy provides coverage for Hospitalisation Expenses, Pre- and Post- Hospitalisation Expenses for 30 days and 60 days and Daycare Procedures.
2. The Policy offers Sum Insured Options of Rs 2lakhs, Rs3 lakhs Rs5 lakhs and Rs8 Lakhs available.
3. Room Rent Limit: The Policy has a Room Rent Limit of 1% of Sum Insured for Normal Rooms and 2% of Sum Insured
4. Cataract Treatments: The Policy provides coverage for Cataract Treatment upto 10% of Policy Sum Insured subject to a maximum limit of Rs50,000 for each eye
5. Critical Care Benefit: The Policy provides a Critical Care Benefit of 10% of Policy Sum Insured as a Lumpsum Benefit if the Insured is diagnosed with any of the listed Critical Illness
6. Maternity Coverage: The Policy provides coverage for Maternity Expenses as an Optional Add-On Cover upto 10% of Average Policy Sum Insured over the preceding 3 years subject to a Waiting Period of 36 months
7. Add-On Cover where Proportionate Deduction is not applied even if the Insured opts for a Room with a Room Rent higher than the Room Rent Limit
8. Modern Treatment Methods covered upto specified Sub-Limits
9. Waiting Period of 36 months for Maternity Coverage
10. Waiting Period of 48 months for Pre-Existing Diseases
11. Waiting Period of 24 and 36 months for Specific Diseases
12. Lifelong Renewal

New India Assurance Cancer Guard Policy

New India Assurance Cancer Guard Policy is a health insurance policy designed specifically to provide coverage for Cancer Treatments and provides coverage for inpatient and outpatient expenses incurred on cancer treatment.

Key Features of New India Cancer Guard Policy

1. New India Cancer Guard Policy provides reimbursement for treatment costs of cancer, either in Inpatient, Outpatient or Daycare Form
2. The Policy offers various Sum Insured options ranging from Rs5 lakhs to Rs50 lakhs.
3. The Policy has a waiting period of 90 days. If the Insured is diagnosed with Cancer during the waiting period, the premiums are returned and policy is cancelled.
4. Policy provides coverage for conventional and advance cancer treatments such as Chemotherapy, Radiotherapy, Organ transplant as part of Cancer treatment, Onco-surgery (Surgeries for excision of cancerous tissue or removal of organs), Proton Treatment, Personalised & Targeted therapy, Hormonal Therapy or Endocrine manipulation, Immunotherapy including immunology agents, Stem cell transplantation and Bone marrow transplantation
5. Insured can opt for Single AC Room for Sum Insured of upto Rs15 lakhs and Deluxe AC Rooms for Sum Insured of Rs25 lakhs and Rs50 Lakhs. ICU Room expenses are paid as per actuals
6. Pre and Post-Hospitalisation Expenses Coverage for 30 days and 60 Days
7. Cancer Care Benefit equal to 50% of Policy Sum Insured is provided as a Lumpsum Benefit if an Insured Person is diagnosed with Stage IV Cancer or Advanced Metastatic Cancer for the first time.
8. Cumulative Bonus of 10% per year for every claim free year, provided that the policy is renewed without a break every year, subject to a maximum of 50% of Sum Insured
9. Lifetime Renewal

New India Assurance Sixty Plus Mediclaim Policy

New India Assurance Sixty Plus Mediclaim Policy is a comprehensive Senior Citizen Health Insurance Policy with Sum Insured Options ranging from Rs2 lakhs to Rs5 Lakhs. Senior People with age above 60 years can take this Policy.

Key Features of New India Sixty Plus Mediclaim Policy

1. The New India Assurance Sixty Plus Mediclaim Policy covers Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses for 30/60 Days and Daycare Procedures.
2. Sum Insured Options of Rs2 Lakhs, Rs3 Lakhs and Rs5 Lakhs available
3. Room Rent Limit of 1% of Sum Insured per Day and 2% of Sum Insured per Day for Normal and ICU Rooms respectively subject to a Sub-Limit of 25% of the Aggregate Sum Insured per Illness/Injury
4. Sub-Limit of 50% of the Aggregate Sum Insured per Illness/Injury for Anesthesia, Blood, Oxygen, OT charges, Surgical appliances (any disposable surgical consumables), Medicines, drugs, Diagnostic material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, Artificial limbs and implants other than Orthopedic
5. The Policy has various Sublimits for various Diseases
6. The Policy has a Co-Payment Clause of 10% of the admissible Claim Amount
7. Pre and Post Hospitalisation Expense Coverage for 30 and 60 days respectively subject to a maximum limit of 10% of Policy Sum Insured
8. Modern Treatment Methods covered upto Specified Sub-Limits
9. Waiting Period of 36 months for Pre-Existing Diseases
10. Waiting Period of 90 days/24 months/36 months for Specified Diseases
11. Lifelong Renewal

New India Assurance Top-Up Mediclaim Policy

New India Assurance Top-Up Mediclaim Policy is a comprehensive Top-Up Health Insurance Policy providing coverage for provides coverage for Hospitalisation Expenses, Pre and Post- Hospitalisation Expenses and Daycare Procedures once the Medical Expenses cross the Threshold Limit. People in the age bracket of 18 to 65 years can take this Policy and the Policy can be issued on an Individual or a Floater Basis.

Key Features of New India Top-Up Mediclaim Policy

1. The New India Assurance Top-Up Mediclaim Policy covers hospitalisation expenses once the expenses cross the Threshold Limit. The Threshold Limit can be met by Self Funding or a Health Insurance Policy. It is not compulsory to have a base health insurance policy.
2. The Polic offers various Sum Insured Options ranging from Rs5 Lakhs to Rs22 Lakhs and Deductible Options of Rs5 lakhs and Rs8 lakhs
3. The Policy has a Room Rent Limit of Rs5000 and Rs8000 per day for Normal Rooms and Rs10000 and Rs16000 per day for ICU Room for Threshold Limit of Rs5 lakhs and Rs8 lakhs respectively
4. Modern Treatment Methods covered upto Specified Sub-Limits
5. Waiting Period of 36 months for Pre-Existing Diseases
6. Waiting Period of 24 and 36 months for Specific Diseases
7. Lifelong Renewal

New India Assurance Young India Digi Health Policy

New India Assurance Young Digi Health Policy is a comprehensive Health Insurance Policy for young people in the age bracket of 18 to 45 years. Dependent children in the age bracket of 3 months to 25 years can also be included in this Policy.

Key Features of New India Young Digi Health Insurance Policy

1. The New India Assurance Young Digi Health Insurance Policy covers Hospitalization expenses, Pre- and Post-Hospitalisation Expenses for 60/90 days and Daycare Procedures.
2. The Policy offers Sum Insured Options of Rs4 Lakhs, Rs8 Lakhs and Rs12 Lakhs
3. The Policy reimburses the cost of Single AC Room for Normal Rooms and as per Actuals for ICU Rooms. Proportionate Deduction is applicable if the Insured opts for a higher category room than his eligible category.
4. Modern Treatment Methods covered upto Specified Sub-Limits
5. Cumulative Bonus of 10% per year for every claim free year subject to a maximum of 30% of Sum Insured. If a Claim is made during the year, the Cumulative Bonus is reduiced at the same rate at which it is accrued
6. Reinstatement of Sum Insured is available for unrelated illnesses or injuries once during the Policy Year.
7. New-Born Baby Cover from Day 1
8. Waiting Period of 24 months for Pre-Existing Diseases
9. Waiting Period of 90 Days/12 months/24 months for Specific Diseases
10. Lifelong Renewal

New India Assurance Yuva Bharat Policy – Platinum Plan

New India Assurance Yuva Bharat Policy is an Insurance Policy designed for young people with an entry age bracket of 18 to 45. The Policy provides coverage for Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses, Daycare Procedures, Modern Treatment Methods and AYUSH Treatment.

Key Features of New India Yuva Bharat Policy – Platinum Plan

1. The Policy offers various Sum Insured Options ranging from Rs5 Lakhs to Rs1 Crore
2. Room Rent: People can opt for Single AC Room for Sum Insured of upto Rs15 lakhs and Deluxe AC Rooms for Sum Insured between Rs15 lakhs and Rs1 Crore. Proportionate Deduction is applicable if you opt for a higher category roomo that allowed under the Health Insurance Plan
3. Pre and Post-Hospitalisation Expenses: Pre and Post-Hospitalisation Expenses are covered for 60 days and 90 Days respectively
4. Internal Congenital Diseases covered after a Waiting Period of 12 months upto Policy Sum Insured and External Congenital Diseases covered after a Waiting Period of 24 months upto 10% of Policy Sum Insured.
5. New India Yuva Bharat Health Insurance Policy provides coverage for Cataract Treatments upto specified Sub-Limits
6. New India Yuva Bharat Health Insurance Policy provides coverage for Modetn Treatment Methods upto specified Sub-Limits
7. Restoration Benefit provided once during the Policy Year for Unrelated Illnesses provided during the Policy Year.
8. Cumulative Bonus of 25% Base Sum Insured up to a maximum of 100% of the Base Sum Insured under the current Policy Year. If a Claim is made under the Health Insurance Policy during any Policy Year, the Cumulative Bonus is reduced at the same rate at which it has accrued.
9. Cataract Treatments: The Policy provides coverage for Cataract Treatment subject to a Sub-Limit of Rs50,000 to Rs1.5 lakhs depending on the Policy Sum Insured after a Waiting Period of 12 months.
10. New-Born Baby Coverage provided for Hospitalisation Expenses incurred on a New-Born baby from the Date of Birth to Policy Expiry.
11. Maternity Coverage: The Policy provides coverage for Maternity Expenses upto Rs50,000 for a Single baby and upto Rs62500 for Twin Babies
12. Infertility Treatment Cover: The Policy provides coverage for Infertility Treatments ranging from Rs50,000 to Rs2 Lakhs depending on the Policy Sum Insured.
13. Waiting Period of 12 months for Internal Congenital Diseases
14. Waiting Period of 24 months for External Congenital Diseases
15. Waiting Period of 24 months for Pre-Existing Diseases
16. Waiting Period of 12 and 24 months for Specific Diseases
17. Lifelong Renewal

New India Assurance Arogya Sanjeevani Policy

New India Arogya Sanjeevani Policy is a standard health insurance policy which provides coverage for hospitalisation expenses incurred by the Insured.

Key Features of New India Arogya Sanjeevani Policy

1. New India Arogya Sanjeevani Policy provides various Insured Options available Rs50,000 to Rs10 Lakhs
2. The Policy provides cover for Hospitalisation Expenses, Pre- and Post-Hospitalisation Expenses for 30/60 days, Daycare Procedures, Modern Treatment Methods etc.
3. The Policy has a Room Rent Limit of 2% of Sum Insured subject to a maximum of Rs5000 per day for Normal Rooms and 5% of Sum Insured subject to a maximum of Rs10,000 per day for ICU Rooms.
4. Cumulative Bonus of 5% per year for every claim-free year subject to a maximum of 50% of Sum Insured. If a Claim is made during the year, the Bonus is reduced at the same rate that it is accrued.
5. New India Arogya Sanjeevani Policy offers coverage for Modern Treatment Methods such as Balloon Sinuplasty, Deep Brain stimulation, Oral chemotherapy etc. upto a maximum of 50% of Policy Sum Insured.
6. The Policy provides coverage for Cataract Treatment upto 25% of Policy Sum Insured or a maximum of Rs40,000 per eye, whichever is lower, in one Policy Year
7. The Policy has a Co-Payment Clause of 5% on each and every claim
8. Waiting Period of 36 months for Pre-Existing Diseases
9. Waiting Period of 24 months for Specific Diseases
10. Lifelong Renewal

What is the Health Insurance Claim Settlement Process with the New India Assurance Company?

The steps to file a Health Insurance Claim with New India Assurance Company are listed below:

Intimate Claim

You need to intimate New India Assurance Company about the claim by either:

1. Go to the New India Assurance Company Website, Click on Register a Claim.
2. Log In to the New India Portal by entering your registered Email ID and Password, select the relevant Insurance Policy and register a claim by providing details like Insured Information, date of incident etc.
3. The Insurance Company will provide a Claim Intimation number upon successful registration of the Claim

New India Health Insurance - Cashless Claim Settlement Process

To avail Cashless Claim Settlement under the New India Health Insurance Policy, the Policyholder must follow the steps listed below:

1. Locate the nearest network hospital covered by the New India Health Insurance Policy to avail treatment
2. Inform the Insurance Company about the hospitalization before 3-4 days in case of a planned hospitalization and within 4-5 hours in case of an emergency
3. Show the Health Card issued by the Insurance Company/TPA to the Insurance desk at the hospital
4. Fill the Pre-Authorization Claim Form provided by the hospital
5. The Hospital sends the Pre-Authorization Claim Form to the TPA for Claim Settlement
6. The TPA will inspect the details and inform the Insured about the approval or rejection of the Claim
7. Once the Claim gets approved, the hospital sends the expenses and receipts to the Insurer and the hospital gets reimbursed for the treatment expenses directly by the New India Assurance Company. The advantage of cashless claim settlement is that the Policyholder does not need pay any amount from his own pocket.

New India Health Insurance - Reimbursement Claim Settlement Process

If the Policyholder chooses a non-network hospital, he will have to opt for Reimbursement Claim Settlement. The Reimbursement Claim Settlement is listed below:

1. Inform the TPA within 24 hours of admission to the hospital. The TPA will provide the Policyholder with a Claim Intimation Number after the claim is raised so that the Claim Status can be tracked.
2. Make the payment to the hospital for the medical expenses incurred and keep original copies of all the Invoices.
3. Submit the required documents to the TPA
4. The TPA will verify the Claim Details, ask for additional documents if required and will approve or reject the Claim.
5. The approved Claim Amount gets credited directly to the Bank Account of the Insured

What are the documents Required for a Reimbursement Claim under a Health Insurance Policy?

The Insured needs to submit the following documents to New India Assurance Company to avail Reimbursement Claim Settlement under the Policy:

1. ID Proof, Policy Health Card and Address Proof
2. Duly Filled and Signed Claim Form
3. Pathology Reports
4. Medicine Prescriptions and Pharmacy Bills
5. Pre and Post-Hospitalisation Bills
6. Hospital Bills
7. Discharge Summary

Get Best Quotes for New India Health Insurance Policies with Qian!

New India is a reputed Health Insurer in India with reliable claim settlement, a large hospital network, and customizable benefits. Qian is a licensed Insurance Broker with New India Assurance Company. We can assist you with all Health Insurance Policies as well as Claim Settlement with New India. Get a Quote for New India’s Health Insurance Policy from Qian. You can reach out to us via email at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you