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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 Baggage Insurance Policy

New India baggage insurance policy

provides cover against damage or loss of any accompanied personal luggage of the insured and his/her family members.

How this policy functions?

This policy is ideal for the frequent travelers who need to carry luggage with expensive items. This policy covers loss or damage of baggage due to perils such as theft, fire or any kind of accident while commuting from one point to another.

Unique features of this policy-

  • This policy is ideal for the frequent travelers
  • It covers your baggage loss or damage due to any unavoidable circumstances
  • Easy and quick reimbursements available
  • This coverage is available throughout India

Exclusions under this policy-

  • Loss of luggage due to civil commotion, war, normal wear and tear, depreciation, and so on
  • Damages caused due to electrical breakdown or mechanical derangement
  • Breaking of china clay or glass articles
  • Damage caused to the clocks and watches by winding
  • Confiscation by or detention of baggage by customs and other authorities
  • Theft due to negligence and unattended vehicles
  • Goods that was being worn or used at the time of loss
  • Securities, manuscripts, money, exchange bills, deeds, bonds, stamps, share certificates, promissory notes, etc.

Special conditions: Things you must know before insuring your luggage

  • Every jewelry item, gold ornaments, etc. should be declared specifically for the purpose of insurance claim
  • Valuation certification should be obtained for valued items worth or more than Rs. 5000
  • Additional premium can be charged when the total value of ornaments and jwelry items is more than 50% of the total risk value.
  • This policy can be extended further by paying additional premium to cover strike or riot risks

Other policies from New India Assurance-

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

How to claim?

It is quite easy to fill up a claim form and submit the filled up claim form to the nearest branch office of the insurance providing company. It is important to make a list of all your important and expensive items and provide it to the insurance providers.

Frequently asked questions-

Am I eligible to avail the benefits of this policy?

Any Indian citizen who is commuting within the country is eligible to avail the benefits of this policy.

Can I cover my family’s luggage while going out?

This policy provides luggage coverage for your entire family. However, you may need to pay extra premium for the loss or damage of your ornaments and other jewelry items if their total cost is higher than that of sum assured.

Can I get a reimbursement for the items that I was using at the time of theft?

If you were wearing or using any item at the time of loss or damage, you cannot claim for a reimbursement.

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