atrk
Skip to main content

Get the Best Health Insurance Plan Online in India

Individual

female
male

Family

 

Most Popular Policies of New India Assurance

  • New India Assurance Senior Citizen Mediclaim Policy
    New India Assurance Senior Citizen Mediclaim Policy offers coverage to the insured against hospitalization expenses for treatment of injury and illness during policy period.
    Key features of New India Assurance Senior Citizen Mediclaim Policy
    • Maximum entry-age is 80
    • Maximum renewal age is 90 years
    • Organ donor transplant expenses are covered
    • Pre-existing hypertension, diabetes melitus are covered upon additional premium
    • Ayurvedic, homeopathic and Unani treatments are covered
    Buy now
  • New India Family Floater Mediclaim Policy
    New India Assurance Family Floater Mediclaim Policy covers all family members with single sum insured. The coverage is provided for expenses for the treatment of any illness or injury.
    Key features of New India Family Floater Mediclaim Policy
    • The policy comes with lifetime renewal option
    • Good health and loyalty discount are available
    • Coverage available on complications due to pre-existing conditions
    • Organ donor hospitalization expenses are covered
    • Cataract surgery is covered up to certain limits
    Buy now
  • New India Assurance Janata Mediclaim policy
    New India Assurance Janata Mediclaim policy covers cost of hospitalization (more than 24 hours) expenses and treatment expenses due to injury and illness or injury.
    Key features of New India Assurance Janata Mediclaim policy
    • Good health and loyalty discount are available
    • Ayurvedic, homeopathic and Unani treatments are covered
    • Cumulative Bonus is availble
    • Free health check-up is also available
    • Day care treatments are covered up to certain limits.
    Buy now
  • New India Package Motor Policy
    New India Package Motor Policy offers coverage to expenses due to injury of owner and driver and loss or damage of the insured's vehicle. The policy also covers third party death and liability.
    Key features of New India Package Motor Policy
    • Coverage for personal accident is available
    • Coverage available for expenses to fix damaged accessories
    • Coverage for passengers in the car is available.
    • Coverage is available for employees and paid drivers
    Buy now

New India Assurance Senior Citizen Mediclaim Policy

Senior Citizen mediclaim policy is designed for senior residents of India who are aged between 60 to 80 years. Anyone can avail the benefits of this policy with sum assured from 1 lakhs to 1.5 lakhs. One cannot go beyond the sum assured of 1.5 lakhs.

How this policy works?

This policy can be availed by anyone who is above 60 years of age. This policy coverage can go up to 90 years age for the insured and his/her spouse if there is no break in the policy. The person who wishes to avail the benefits of this insurance policy must undergo a pre-acceptance health check-up at their own expenses to determine any pre-existing disease. In case if the insurer already has a mediclaim policy with New India Assurance, this health check-up is waived off.

Benefits of availing this policy-

Most of the policies are designed for healthy people, as they have lesser medical expenses compared to elderly people. Even if there are plans for senior citizens, the sum assured is always on the higher side. In this policy, the sum assured is quite reasonable and one can avail it within 60- 80 years of age. Along with hospitalization expenses for accidents and critical illnesses, this policy also covers pre and post hospitalization expenses.

Scope of cover Facilities provided
Cashless treatment Available at network hospitals
Reimbursement Available at non-network hospitals
Pre-hospitalization expenses upto 30 days immediately before hospitalization (maximum of 5% of hospital bill can be reimbursed)
Post-hospitalization expenses upto 60 days immediately after discharge( maximum of 10% of hospital bill can be reimbursed)
Inpatient Hospitalization Entire expenses covered
Room rent upto 1% of Sum Insured per day (a maximum of 25% of Sum Insured)
ICU expenses upto 2% of Sum Insured per day(a maximum of 25% of Sum Insured)
Surgeon, Anesthetist, Medical Practitioner, Consultant’s Specialist fees maximum of 25% of Sum Insured
Anesthesia, blood, oxygen, OT charges, surgical appliances, medicines, drugs, diagnostic material, X Ray and artificial implants 50% of Sum Insured
Ayurvedic/ Homeopathic/ Unani treatment 25% of Sum Insured
Emergency ambulance expenses maximum of Rs 1000 covered
Organ donor expenses & hospitalization costs during transplant entire expenses are covered
Pre existing hypertension, diabetes mellitus Coverage provided since inception of policy only on payment of additional premium of 10% of basic premium for each condition
Health Check Up allowed once after every 4 claim free years maximum upto 1% of sum insured excluding cumulative bonus
Cataract with imported foldable lens Maximum of 10000 is reimbursed

Prime features that make this policy unique-

  • Covers entire medical and hospitalization charges for any injury or illness
  • Covers chronic pre-existing illnesses (for every chronic pre-existing 10% more premium is charged)
  • Ambulance and other miscellaneous costs covered

Additional features-

  • Limited cover for medical and hospitalization expenses in government approved and registered Ayurvedic, Unani and Homeopathic hospitals
  • After every 4 claim free years, reimbursement of health check-up expenses
  • Income tax benefits under section 80D
  • 10% family discount if spouse is covered in the policy
  • 10% of discount for voluntary excess of Rs.10,000
  • 5% added to sum assured for each claim free year. Can be up to maximum amount of 30% of initial Sum insured. On acceptance of claim during any policy year, entire cumulative bonus earned shall be withdrawn in subsequent policy year.

What is covered in this policy?

  • Pre-and post hospitalization expenses
  • Cashless hospitalization at all network hospitals
  • Fast reimbursement and claim settlement if treated in non-network hospitals
  • Ambulance and miscellaneous costs covered
  • Alternate treatment expenses covered
  • Pre-existing diseases can be covered after 18 months of the policy
  • Age related diseases like Osteoporosis, Osteoarthritis, joint replacement etc. due to degenerative condition to be covered after 48 months of the policy

What is not covered in this policy?

  • Pre-existing diseases can be covered after a period of 18 months
  • No claim period for 30 days where one cannot claim hospitalization costs except for accidental injuries
  • Waiting period for 48 days for age related degeneration like Osteoporosis, joint replacement and Osteoarthritis
  • Costs of braces and contact lenses
  • Naturopathy treatment expenses
  • Physical injury caused by HIV/AIDs, act of violence or adventurous acts
  • Self inflicted physical injury
  • Dialysis, radiotherapy, chemotherapy or dental treatment

Who is eligible to get coverage under this policy?

  • Self
  • Spouse
  • Dependent parents

Premium Chart-

image003

The Y axis of this chart shows the amount of premium the insured has to pay according to his/her age, while the X axis shows the amount of sum assured.

Other major policies you can consider from New India Assurance-

  • New India Top Up mediclaim
  • New India Asha Kiran policy
  • New India Floater mediclaim policy
  • Family Floater mediclaim policy

Other major policies you can consider from other insurance providers-

  • Apollo Munich Optima Restore Individual
  • Apollo Munich Optima Super Family Floater
  • Bharti AXA Smart Health Insurance
  • Bajaj Allianz Individual Health Guard
  • Chola MS Individual Healthline Plan

Frequently asked Questions-

Q. Am I eligible for this policy?

Ans. – If you are an Indian senior citizen and aged between 60 to 80 years, you are eligible to avail the benefits of this policy.

Q. What are the prerequisites for this policy?

Ans. – In order to get this insurance, all you need to do is get a medical check-up at your cost prior to availing this policy to identify your pre-existing diseases.

Q. What is free look up period?

Ans. – A free look up period is the span of time provided to the proposer after purchasing the policy. In this span of time if the proposer wishes to discontinue the policy, s/he can do it easily and can get the entire amount back.

Compare chart (image)-

image003