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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 Assurance Overseas Mediclaim Policy

Overseas Mediclaim Policy

has been specifically designed for those who travel overseas quite often and need their luggage and passport insured against any unforeseen circumstances.

How the policy functions?

The proposer should take up the plan only if s/he going (goes often) overseas for business, education, leisure trip, job or any other reason. One can avail any of the two plans as per his/her requirements- E & S (employment and studies) and B & H (business and holiday trips). These two categories of this overseas policy have been designed keeping in mind the requirements of the proposer. The policy is valid only if the insured initiates his journey within 14 days from the date of insurance’s start as per the rules and regulations of the policy. If by any means the journey gets delayed, the policy will get cancelled. There are various plans and plans under this policy. Few of the policies are applied worldwide except in USA/Canada and few of them are applied worldwide including in USA/ Canada. Then there are policies that are applied in Asian countries excluding in Japan.

Benefits of availing the policy-

There are several benefits of this policy. Here, you can get medical expenses covered as per the policy terms and according to the amount of the sum assured. Added to that, you can get a maximum of 25,000 for personal accident benefit, check in baggage claims, delay in checked in baggage, loss of passport assistance, personal liability and so on.

The below charts show the amount of expenses covered under this policy-

Business and Holiday (B & H) Plans:


  • *A-1 (Worldwide excluding USA/Canada)
  • *A-2(Worldwide excluding USA/Canada)
  • *B-1 (Worldwide including USA/Canada)
  • *B-2 (Worldwide including USA/Canada)
  • *E-1 CFT (Worldwide including USA/Canada)
  • *E-2 CFT (Worldwide including USA/Canada)
  • *CFT Cover is available for Executives of Corporate clients and Partners of registered firms annually subject to the duration of any one trip not exceeding 60 days.

Employment and Studies Plans (E & S):


*Up to a maximum of $750 of contingency insurance is provided to the students on completion of his/her studies during the insurance period.

Prominent features of this policy-

  • The policy provides coverage to those who are going overseas for employment, business, leisure trip, education and for other purposes.
  • One of the prime benefits of this policy is that the premium can be paid in rupees while claims can be settled overseas in foreign currency.
  • Under this policy, all the medical expenses incurred while staying in foreign countries are covered, which includes accidental physical injuries or critical sickness/diseases.
  • Added to that, this insurance policy also covers claims on loss of passport, cheked-in baggage, delays in checked in baggage, personal liability, and so on.
  • CFT cover is provided to the corporate client executives and partners of registered firms annually if a single trip doesn’t exceed a span of 60 days.
  • The premium is decided on the type of trip, age, country to visit, and so on.
  • Up to 180 days of coverage is provided under business and holiday plan.
  • Extension can be provided on the original policy of 180 more days depending on the health conditions of the proposer.
  • Anyone of age limit 6 months to 70 years can be covered under this policy.
  • Policy can only be taken before departing from departing from the country
  • 30 days of continuous in-hospital expenses for emotional, mental and nervous disorders.
  • Medical emergency reunion expenses up to $ 5000 when agreed by all parties that the person should be evacuated immediately to India

Major exclusions in this policy-

  • Pre-existing illnesses and diseases (both known and unknown)
  • First USD 100 of any claim has to be undertaken by the traveler
  • Travelling without medical consent of practitioner or for medical treatment with routine check-up
  • One cannot claim more than the specified amount
  • The insurers are liable to pay the expenses incurred on the maximum dollar amount that has been stated in the policy, 52 weeks after the onset of sickness or injury covered in the policy or 12 weeks after the insurance expires (whichever first occurs).

Who are eligible to avail the benefits?

Anyone who is an Indian citizen and residing in other country for-

  • Job
  • Education/ research projects
  • Business
  • Leisure trip

Span of the policy-

The insurance policy can be effective on or later for the time and date for when the first premium has been paid. It can also be on the time and date when the insured leaves the country for study or posting. However, the country of study or work should not be more than 48 hours distant from India. The insured can terminate the insurance policy anytime at the earliest of 12 month from policy commencing date.

Similar policies available by other insurance providers-

  • ICICI bank International Travel Insurance Plan
  • Bajaj Allianz Travel Insurance Plan
  • Oriental Insurance Overseas Mediclaim
  • Reliance Travel Care Policy – For Individuals & Family

Other insurance policies by The New India Assurance-

  • New India Top Up Mediclaim
  • Mediclaim 2012 policy
  • New india Floater Mediclaim Policy
  • Janata Mediclaim Policy
  • Overseas Mediclaim Policy

Frequently asked questions-

Am I eligible for this policy?

If you are an Indian citizen who is living abroad for job, education, business or going there for a leisure trip, you are eligible to avail the benefits of this mediclaim policy.

When is this policy applied?

Policy is applied as and when you pay your first premium. You can use this insurance outside India as per the terms and conditions stated in this policy.

What is covered under this policy?

Overseas medical expenses, claims on lost checked-in luggage, passport, delay in luggage arrival and personal liability is covered.

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