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Get the Best Health Insurance Plan Online in India

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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
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  • 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
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  • 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.
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  • 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
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New India Personal Accident Policy

New India Personal accident policy provides compensation for the insured in the event of permanent disability of limbs or death.

How this policy functions?

Under this policy, the insured gets compensation due to accidental death or physical injury. The person can get this compensation if he has got injuries or been dead directly and entirely by external violent and visible means of accident. One can avail this policy even if the accident has happened outside the country. It is a 24 hours cover. Under this policy, one can avail any and every type of coverage type, ranging from compensation available on death only to temporary and permanent disablements. One can also go for a family package type of insurance where one can avail up to 10% of discount on premium.

How to select the sum assured for this policy?

This policy is quite flexible and is designed for unforseen circumstances where your sum assured cannot meet the expenses of hospitalization and other medical expenses. In such situations, you can extend the sum assured by increasing the premium to be paid.Income from property or shares are not taken into account and the capital sum insured is restricted to 72 months of gainful employment. The sum insured is 50% for the non-earning spouse compared to the sum assured by the proposer. The maximum amount of insurance coverage provided to the non-earning spouse is rs. 100000. For dependent children, it is 25% of the sum assured of earning parents, sum assured. This can be a maximum of rs. 50,000. In case of Bhagyasree, Raj Rajeswari, Gramin Personal accident and student safety, the sum assured amount is fixed. In case of individual accident policy, facility of cumulative bonus is provided and every claim-free year the user gets additional 5% on sum assured.

Benefits of this policy-

The policy offers benefits for single person and for the family. Under single coverage, the insured can take various plans, like death coverage, death and personal disability coverage, temporary disablement package, and so on.

If the person opts for a family package, he gets the same benefits and gets an additional 10% discount on the premium paid.

Benefit chart-

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This chart shows various types and kinds of coverages available under this policy. There are four types of coverages available in this policy. One can avail any policy of his/her choice as per s/her budget and requirements.

Prominent features that make this policy unique-

  • Flexible plans according to the budget, coverage type and number of family members
  • Education for 2 school going children in case of death and total disablement of insured person
  • Weekly payment of 1% of sum assured paid weekly (up to a maximum of 100 weeks) for temporary total disablement
  • 100% of sum assured is paid on loss of eyes and both the limbs
  • 50% of sum assured is paid to the insured person where s/he has lost one limb and single eye
  • 100% of the sum assured payable on permanent total disablement, e.g., paralysis
  • 2% of sum assured on carrying the dead body from the place of incident to residence

Additional features of this policy-

  • Individual and group accidental policies can be extended so that to cover the treatment expenses of any accident. An amount of 10% of sum assured to a maximum of 40% can be paid after one increase the premium amount.
  • Indian personnel working in other countries on civilian duty can get war risk coverage on payment of additional premium
  • One can include this policy in a group policy excluding death benefit to avail group policy benefits.
  • This policy can also be restricted to cover personal accidental risk during off-duty or on-duty hours and a discount in premium is also provided.

Who is eligible to take the benefits of this policy?

  • Indian citizen living in the country
  • Family members between the age group of 5-70 years

Different types of personal accident policies-

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Procedures involved in making a claim

Fast and easy processing of claim payment can only happen if relevant documents and medical bills are provided. Different procedures are applicable in case of death claim and injury claim.

  • In case of death claim- Assignee should immediately inform the policy issuing office and submit the claim form along with post mortem report, police report, death certificate and documents of the original policy.
  • In case of injury claim- Inform the policy issuing office, submit the police report (if any), submit claim form along with disablement certificate and furnish related prescriptions and medicine bills.

Other policies from the New India Assurance:

  • Householder’s Policy
  • Money Insurance
  • Janata Mediclaim Policy
  • Union Health Care Policy

Similar policies from other companies:

  • Royal Sundaram Individual Personal Accident Insurance
  • Apollo Munich Accidental plan
  • Bajaj Allianz Premium Personal Guard
  • Future Generali Accident Suraksha
  • Tata AIG Personal Guard

Frequently asked questions by the proposers:

Q : Who is eligible for the policy?

Ans : Anyone who is an Indian citizen can avail the benefits of this policy.

Q: Can I include my family in this policy?

Ans: Yes you can. Family members within the age group of 5 to 70 years can be included in this policy.