New India Health Insurance

It’s time to find affordable health insurance plans with top-notch coverage. New India health insurance plans are here to help you save money on your family’s healthcare by offering you the right coverage. The company offers multiple medical insurance policies catering to the needs of different policyholders at a low rate of premium. Let’s talk about the company profile for a while.

New India Assurance Company Limited is a state-owned international general insurance firm with operations in 28 countries. The insurance company provides various sections of society with highly customized insurance solutions such as medical insurance, auto insurance, travel insurance, rural insurance, aviation insurance, home insurance, industrial insurance, marine insurance, liability insurance coverage, as well as customizable business and SME product insurance plans.

New India Assurance is a leading player in the country’s insurance industry. Since 2007, New India Assurance has been the only direct insurance-providing company in India to be rated A (Excellent) by the AM Best Company. Aside from the premium, the corporation has led the market in reserves as well as net worth for several years.

New India health insurance plans are available for people of different age groups in India. New India health insurance plans are designed to meet the needs of people of all ages and for different reasons. It provides affordable coverage for families, senior citizens, students, healthy adults and those suffering from chronic diseases.

This page will offer you a deep insight into New India health insurance policy details.

New India Assurance Health Insurance Key Highlights

Note - Network hospital count of New India Assurance is sourced from its website. 

Why Should You Buy a New India Assurance Health Insurance Policy?

New India Assurance is one of the most popular medical insurance companies in India. Here you can get all the insurance plans that will benefit you to live a healthy life in future. This company offers comprehensive health insurance and different types of mediclaim insurance plans that can help you or your family to face medical expenses and other hazards.

New India health insurance offers reasonable health insurance premium rates in India. Their customers have reported that they love the option of quality, affordable and relevant health insurance plans. The company is serious about providing them with a personal touch on their healthcare needs and therefore, it offers comprehensive health insurance plans.

The following summary is a checklist of all the characteristics of New India health insurance policies that makes them one of the most popular health insurance providers.

1. Affordable and comprehensive coverage for you and your family.
2. 1500+ network hospitals are available for cashless treatment.
3. AYUSH therapy coverage is available for policyholders.
4. Critical illnesses are covered.
5. Free healthcare check-ups are provided.

Choose from a wide range of multiple New India Health Insurance Plans

New India Assurance Health Insurance Policy Details

Health insurance has always been at the heart of New India’s mission, so we are thrilled to have the opportunity to provide plans that help keep your costs low while providing you with high-quality care.

1. Yuva Bharat Health Policy

New India Assurance Yuva Bharat Health Policy is designed exclusively for young and aspiring Indian individuals, with a focus on their well-being. With new healthcare guidelines, quality plans and affordable premiums, you can take advantage of affordable health insurance policies. The sum insured ranges from INR 5 lakh to INR 50 lakh.
Variants:

1. Base Plan:
   This plan covers the following at an affordable premium rate. 
   
   Coverage:
   1. In-patient hospitalisation
   2. Pre-hospitalisation (Up to 60 days)
   3. Post-hospitalisation (Up to 90 days)
   4. Specific ailment (coverage after 12 months)
   5. AYUSH therapy coverage
   6. Modern therapy coverage
   7. Pre-existing diseases coverage (coverage after 24 months)
   8. Mental illness (coverage after 24 months)
   9. Genetic disorders (coverage after 24 months)
   10. Hospital cash benefit
   11. Healthcare check-up
   12. Newborn baby coverage
   13. Second medical opinion
   14. Sum insured reinstatement
   15. Hazardous sports cover
   16. Road ambulance cover
2. Gold Plan:
   The gold coverage offers additional accidental insurance coverage along with basic health insurance coverage. 
   Coverage:
   1. In-patient hospitalisation
   2. Pre-hospitalisation (Up to 60 days)
   3. Post-hospitalisation (Up to 90 days)
   4. Specific ailment (coverage after 12 months)
   5. AYUSH therapy coverage
   6. Modern therapy coverage
   7. Pre-existing disease coverage (coverage after 24 months)
   8. Mental illness (coverage after 24 months)
   9. Genetic disorders (coverage after 24 months)
   10. Hospital cash benefit
   11. Healthcare check-up
   12. Newborn baby coverage
   13. Second medical opinion
   14. Sum insured reinstatement
   15. Hazardous sports cover
   16. Road ambulance cover
   17. Personal accident benefit
   18. Air ambulance cover
   19. Critical illness benefits
   20. Auto top-up
3. Platinum Plan:
   The platinum coverage offers additional maternity coverage along with gold health insurance coverage. 
   Coverage:
   1. In-patient hospitalisation
   2. Pre-hospitalisation (Up to 60 days)
   3. Post-hospitalisation (Up to 90 days)
   4. Specific ailment (coverage after 12 months)
   5. AYUSH therapy coverage
   6. Modern therapy coverage
   7. Pre-existing diseases coverage (coverage after 24 months)
   8. Mental illness (coverage after 24 months)
   9. Genetic disorders (coverage after 24 months)
   10. Hospital cash benefit
   11. Healthcare check-up
   12. Newborn baby coverage
   13. Second medical opinion
   14. Sum insured reinstatement
   15. Hazardous sports cover
   16. Road ambulance cover
   17. Personal accident benefit
   18. Air ambulance cover
   19. Critical illness benefit
   20. Auto top-up
   21. Infertility treatment cover
   22. Premature/ pre-term birth
   23. Birthright benefit
   24. Maternity benefit
   25. Vaccination charges

These variants also include multiple discounts. Firstly, there’s a discount of up to 10% on healthy BMI, blood pressure, blood sugar and other parameters. Secondly, active policyholders receive a loyalty discount of up to 2.5%. Lastly, there is also a 10% digital discount and a 15% floater discount.

2. New India Flexi Group Mediclaim Policy

New India Assurance offers you a Flexi Group Mediclaim Policy that covers reimbursement of hospitalisation expenses for illness and injury sustained. New India Flexi Group Mediclaim Policy is tailor-made to suit the changing needs of your employees. This policy offers easy terms and conditions, which can be altered as per your requirement, reducing your financial burden and increasing your savings.

Coverage

• In-patient room rent
• Boarding
• DMO / CMO / RMO / RMP charges
• Nursing charges (including drugs/injection and intravenous fluid administration expense up to a limit of 1% of the insured sum amount)
• ICU / ICCU, monitor and pulse oximeter expense, intensivist charge (up to a limit of 2% of the insured sum amount)
• Associate medical expenses including professional fees of anaesthetist, surgeon, specialist, consultant; blood, anaesthesia, oxygen, OT Charges as well as procedure charges including chemotherapy, dialysis, radiotherapy and other similar treatments.
• Consumables and pharmacy costs
• Implants costs
• Medical device costs
• Diagnostics costs
• Pre-hospitalisation expenses (Up to 30 days)
• Post-hospitalisation expenses (Up to 60 days).

3. New India Mediclaim Policy

If you have health insurance now and you have to take time off, or a medical event happens that may require medical care, your health insurance may not cover the cost. New India Mediclaim Policy is the most affordable and convenient way to get yourself covered under a mediclaim plan. 

Coverage:

• In-patient room rent
• Boarding
• Nursing charges (including drugs/injection and intra-venous fluid administration expense up to a limit of 1% of insured sum amount)
• ICU / ICCU charge (up to a limit of 2% of insured sum amount)
• Pre-hospitalisation expenses (30 days)
• Post-hospitalisation expenses (60 days)
• AYUSH therapy coverage (up to a 25% of the sum insured)
• Hospital cash (paid at a rate of 0.1% each day up to a limit of 1% sum insured).

4. Senior Citizen Mediclaim Policy

Senior Citizen Mediclaim Policy is your insurance coverage for illness and injury for policyholders above the age of 60 years at special rates. Senior citizen mediclaim has been designed by New India Assurance to offer older people major health insurance coverage. The company is offering its senior citizen mediclaim plan at a very nominal price, which is affordable for all senior citizens irrespective of their financial status.

Coverage:

• In-patient hospitalisation expenses
• Imported foldable lens surgery expenses
• Hysterectomy
• Cholecystectomy
• Appendicectomy
• Hemia-Inguinal
• Septoplasty
• Haemorrhoidcctomy
• Fistulectomy
• Angiography
• Tympanoplasty
• Arthoscopy
• Mastectomy (radical)
• PID-Disectomy
• Exploratory laprotomy
• Lithotripsy / kidney stone surgery
• Tonsillectomy
• Fissurectomy
• Septoplasty
• Hernia – ventral / incisional
• Prostate
• Pre-hospitalisation expenses (Up to 30 days)
• Post-hospitalisation expenses (Up to 60 days)
• AYUSH therapy coverage (up to 25% of the sum insured)
• Ambulance charges
• Organ donor expenses
• Intellectual faculties impairment
• Mental illness, psychological disorder, stress treatment
• Artificial life maintenance

5. Standard Group Janata Mediclaim

Standard Group Janata Mediclaim Policy offers a complete Mediclaim insurance plan for employees. This plan covers all the basic healthcare expenses as well as multiple costly charges that one needs to pay when hospitalised.

Coverage:

• In-patient hospitalisation expenses
• ICU / ICCU Charges
• Medical practitioner, anaesthetist, consultant, surgeon’s fees.
• Blood, anaesthesia, oxygen charges.
• OT charges
• Cost of surgical appliances as well as drugs and medicines
• Dialysis
• Radiotherapy
• Chemotherapy
• Cost of prosthetic devices
• Pre-hospitalisation (Up to 30 days)
• Post-hospitalisation (Up to 60 days)
• AYUSH therapy cover
• Ambulance expenses
• Organ donor expenses

6. New India Flexi Floater Mediclaim Policy

New India Flexi Floater Mediclaim Policy offers basic mediclaim coverage to a household in exchange for affordable premiums. This new policy will cover children, parents and spouses in your family with one premium.

Coverage

• In-patient hospitalisation expenses
• ICU / ICCU Charges
• Medical practitioner, anaesthetist, consultant, surgeon’s fees.
• Blood, anaesthesia, oxygen charges
• Room and boarding charges including nursing charges
• Cost of surgical appliances as well as drugs and medicines
• Cost of prosthetic devices
• Pre-hospitalisation (Up to 30 days)
• Post-hospitalisation (Up to 60 days)

7. New India Asha Kiran Policy

New India Asha Kiran Policy is specially designed for parents of female kids. This insurance is accessible to those between the ages of 18 and 65 years. Daughters aged 3 months to 25 years are eligible to be covered as long as they are financially reliant on their parents. Either both or one parent can be covered at the same time.

Coverage

• In-patient room rent
• Boarding
• DMO / CMO / RMO / RMP charges
• Nursing charges (including drugs/injection and intravenous fluid administration expense up to a limit of 1% of insured sum amount)
• ICU / ICCU, monitor and pulse oximeter expense, Intensivist charge (up to a limit of 2% of insured sum amount)
• Associate medical expense cover, including the professional fees of anaesthetist, surgeon, specialist, consultant; blood, anaesthesia, oxygen, OT Charges as well as procedure charges including chemotherapy, dialysis, radiotherapy and other similar treatments.
• Consumables and pharmacy costs
• Implants costs
• Medical device costs
• Organ donor expenses
• Cataract surgery expenses
• Impairment of intellectual faculties
• Mental illness, psychological/neurodegenerative disorders, or stress
• Artificial life maintenance

8. Jan Arogya Bima Policy

Individuals and members of the family are eligible for the coverage. The age range is from 5 to 70 years. Kids from 3 months to 5 years are eligible to be insured if both or one parent is covered consistently.

Coverage

• In-patient hospitalisation expenses
• Boarding
• DMO / CMO / RMO / RMP charges
• Nursing charges (including drugs/injection and intravenous fluid administration expenses up to 1% of the insured sum amount)
• Associate medical expense cover, including the professional fees of anaesthetist, surgeon, specialist, consultant; blood, anaesthesia, oxygen, OT Charges as well as procedure charges including chemotherapy, dialysis, radiotherapy and other similar treatments.
• Consumables and pharmacy costs
• Impairment of intellectual faculties
• Mental illness, psychological/neurodegenerative disorders, or stress
• Artificial life maintenance
• Menopause or puberty related illness
• Behavioural or neuro-developmental illness
• Genetic disorders or diseases
• ARMD or age-related muscular degeneration
• Modern treatment cover
• Congenital diseases treatment

9. Universal Health Insurance Scheme (APL)s

If you need to be admitted to the hospital, this plan can help with the costs of your stay. It will cover your hospital expenses for all illnesses and injuries, including the time you spend in hospitals, doctors’ visits, medicine and other treatment.

Coverage

• In-patient hospitalisation expenses
• Accidental injury benefit for earning head of family
• Disability benefit for earning head of family
• Impairment of intellectual faculties
• Mental illness, psychological/neurodegenerative disorders, or stress
• Artificial life maintenance
• Menopause or puberty related illness
• Behavioural or neuro-developmental illness
• Genetic disorders or diseases
• ARMD or Age-related muscular degeneration
• Modern Treatment Cover

10. Arogya Sanjeevani Policy

Arogya Sanjeevani Policy offers basic health insurance coverage to the policyholder and his or her family at an affordable premium rate. 

Coverage

• In-patient hospitalisation expenses
• Pre-hospitalisation expenses (Up to 30 days)
• Post-hospitalisation expenses (Up to 60 days)
• AYUSH therapy cover
• Advanced procedure cover

11. Corona Kavach Policy

The Corona Kavach plan is specially designed to offer COVID coverage to policyholders. With easy eligibility requirements and the family floater option enabled, there should be little to no reason to not consider this plan if you are looking for coverage against the ongoing pandemic. The sum insured ranges from INR 50K to INR 5 lakh.

Coverage:

• In-patient COVID hospitalisation expenses
• Pre-hospitalisation expenses (Up to 15 days)
• Post-hospitalisation expenses (Up to 30 days)
• Ambulance expenses (up to a limit of INR 2000)
• Room rent or ICU charges
• AYUSH therapy cover
• Home care treatment
• Co-morbid condition treatment

So, these were the plans offered by the New India Assurance Company. As you can notice, New India health insurance provides a striking balance between low premium rates, customisable benefits and comprehensive coverage. But, if you are still not convinced, let's go over the benefits offered by the company one by one.

New India Health Insurance Benefits

New India health insurance benefits extend from in-patient hospitalization coverage to even pre and post-hospitalization coverage. The inclusion of home treatment coverage and second medical opinion only enhances your experience with New India health insurance.

The following are the New India health insurance benefits.

1. Sum Insured Restatement

Medical emergencies always come unannounced. So, in case you have exhausted your health insurance coverage in a prior medical treatment, it would be very costly to get another unplanned treatment. This is where the restoration of the sum insured by New India health insurance plan comes in clutch!

Under this coverage, the insurance company refills your insured sum amount fully if you have previously exhausted it. This is a very reliable and essential component of your health insurance plan as it basically assures that you never have to worry upon the exhaustion of your health insurance plan.

2. Medical Second Opinion

New India health insurance plans offer a medical second opinion as a benefit. This is really helpful for anyone who suffers from some minor or major illness, or even if you get any treatment done by your own doctor. You need to consult with a specialist because sometimes hospitals can be quite expensive, and you don't want to exhaust your insurance plan in order to deal with it.

Medical second opinions can be especially rewarding if you are planning to receive treatment outside the nation. This can save your life by making appropriate treatment recommendations or, at the very least, save you money.

3. Alternative Treatment Cover

AYUSH treatments are growing in popularity. Since many people opt for it, New India health insurance plans include them under their coverage. This is beneficial for people who don’t believe in allopathy and are looking to receive alternative medical treatments in the country. Now, they can easily do so without making a hole in their pocket.

4. Discounts

New India Assurance has multiple discounts ongoing on their insurance plans. For example, let’s go over the discounts available on the Yuva Bharat Health plan. To begin, there is a 10% discount for healthy BMI, blood pressure, blood sugar, and other factors. Second, active policyholders are eligible for a 2.5% loyalty discount. Finally, there is a 10% digital discount as well as a 15% floater discount.

5. Tax Benefits

Section 80D of the Income Tax Act offers tax benefits to the policyholders who are actively paying health insurance premiums. The limit of tax deductions for people under the age of 60 years is INR 25000 including INR 5000 for preventive health check-ups. The same limit is increased to INR 50000 for senior citizens over the age of 60 days. 

Claim Settlement Ratio of New India Health Insurance

One of the most commonly checked aspects of a health insurance provider in India is its claim settlement ratio or CSR. CSR is the ratio of settled health insurance claims over the overall number of health insurance claims filed by the policyholders. The higher the ratio, the better the company is in regard to active claim settlement. However, it must be noted that a good amount of claims are rejected by the insurer as the policyholder fails to attach relevant documents, or the claimed reason is not included under the policyholder’s active insurance policy. However, CSR can help you decide if a particular insurance provider is good for you.

New India Assurance Company Limited is currently one of the highest-rated health insurance providers in the nation. With headquarters located in Mumbai, this company has climbed its way to become a leading player in the industry. The company boasts a claim settlement ratio of 92.68% with over 16,00,000 policies sold. No wonder, the company is regarded as among the best claim settlers with quick customer service.

How to Buy New India Health Insurance Online on Paytm Insurance?

While shopping for new health insurance for yourself or your family, the hardest aspect can be striking a deal between premium and coverage. This is exactly why you need to compare and contrast multiple plans. With Paytm insurance, you can easily go over the top-rated health insurance plans that are available to you and buy the one which best meets your requirements.

The following is a step-by-step of the purchasing procedure:

1. First, you have to visit the website of Paytm Insurance.
2. Once you are at the homepage, click on the ‘Health Insurance’ button on the page-top menu.
3. You will be offered a dropdown list with all the health insurance providers listed there. Choose your company of choice.
4. A new webpage will open. It will contain a short survey which you need to fill out and send.
5. Following that, you must provide your present pin code & age.
6. When you click 'get quotes,' you will be presented with a range of medical insurance options from which to pick.
7. Select your favourite insurance plan and purchase it online with Paytm Insurance.

List of Documents Required to Buy New India Health Insurance Online

When purchasing a health insurance policy for your family or yourself, you must show certain papers to establish your qualifications. This list will provide an overview of the fundamental documents required when purchasing SBI health insurance, whether in person or online:

1. Address Proof
   1. Passport
   2. Utility Bills
   3. Bank Statement
   4. Ration Card
   5. Voter Card
2. Age Proof
   1. PAN Card
   2. Voter Card
   3. Birth Certificate
   4. Driver’s License
   5. Passport
3. Identity Proof
   1. Passport
   2. Driver’s License
   3. Aadhaar Card
   4. Voter Card
   5. PAN Card
4. Income Proof (if required)
   1. Bank Statement
   2. Recent Payslips
5. Application Form
6. Photographs
7. Recent healthcare reports

Note: This is a generic documentation requirement list, the insurer may ask for more details to ensure qualification.

How to Renew New India Health Insurance Online?

Health insurance policy renewal is important to ensure continuous health insurance coverage and avoid policy lapses. New India medical policies can be renewed via the company website or through Paytm insurance. Both processes are detailed below:

Via New India Website:

1. To start off the process, you need to visit the New India Assurance website.
2. Next, you need to log into the site using the New India health insurance login details.
3. Once you are logged in, you can click on ‘quick help’ from the menu and select ‘quick renewal’.
4. On the next page, you have to enter your customer ID and  policy number. Click on ‘proceed’ to general a renewal quote.
5. Now, all you need to do is pay the renewal fees to get your New India health insurance renewed.

How to File a Claim with New India Health Insurance Online?

There are two distinct health insurance claim types: cashless and reimbursement claims.

Cashless claims, as the name suggests, help you receive cashless treatment at a company network hospital. This feature is beneficial in the case of planned treatment as it helps you curb all the expensive treatments and therapies. 

Reimbursement claims are refund-type health insurance claims that require the policyholder to settle all the medical bills upfront before filing a claim to the insurance provider. The company reviews all the claim documents and refunds the bill money after deducting any applicable co-payment amount. 

Before we get into the detailed description of both cashless and reimbursement claims with New India Assurance, let’s go over the generic claim intimation process.

You need to contact the insurer and let it know about your situation, and intimate your health insurance claim by calling its hotline number 1800 209 1415.

New India Cashless Health Insurance Claim Process

If you have suddenly been identified with a medical issue, there is no smarter method to go than by selecting one of New India's many medical insurance partnered hospitals and medical facilities in India. Here is where you may save a lot of money while receiving quality medical treatment available without being concerned about any additional financial commitments. In other terms, the insurance provider covers the hospital's medical bills in full. The hospital network details of an insurance company may be found on its official site.

Pursuing cashless health coverage claims has various financial perks and benefits. The most interesting component of the entire process is that, in the case of an emergency, policyholders may receive medical care without having to worry about cash by being transferred to any partnered healthcare facility or hospital.

Below is a step-by-step description of New India cashless health insurance claim filing:

1. Firstly, you need to offer your pre-authorisation form along with the insurer-issued health card and identity proof to the hospital authority.
2. The hospital will forward the same to New India Assurance for verification.
3. Once the papers have been verified and processed, the hospital will pass on a preliminary approval slip and your cashless medical treatment will start.
4. After your treatment, the hospital will send your final bill and discharge report to New India Assurance for processing.
5. New India Assurance, after reviewing the documents, will grant you final approval of a cashless claim.
6. Some expenses may not be approved by New India Assurance. These need to be paid from your end to the hospital at the time of discharge.

List of Documents Required for New India Health Insurance Cashless Claim

The hospital authority will ask for the following documents when applying for a cashless treatment:

1. KYC paperwork for both the insured and the policyholder.
2. Age proof of both insured and policyholder.
3. Health insurance policy documents and health card.
4. Admission recommendation by a doctor.
5. Pre-authorisation diagnosis report.
6. Other medical documentation is necessary.

You don't have to worry about the remainder of the document processing because the hospital will handle it.

What is the Reimbursement Claim of New India Health Insurance?

A reimbursement claim requires you to pay your hospital fees in advance and then file a return claim with New India Assurance. When filing your health insurance reimbursement claim, you must include your medical invoice and hospitalisation bills, as well as any other necessary supporting documentation. Once New India Assurance has reviewed and approved your claim, the funds will be sent straight to your linked bank account.

The best part about filing a reimbursement health coverage claim is that you will always receive your money back, as long as you have presented all required data and medical documents and the claimed reason is approved under your ongoing policy, irrespective of where you receive your medical treatment. If a partner hospital is not close, the best choice is to make a health insurance reimbursement claim.

Below is a step-by-step description of New India reimbursement health insurance claim filing:

1. Download the online claim application document on New India health insurance's website using the New India health medical insurance login, and gather any applicable bills and medical treatment paperwork.
2. Send the required papers to the New India branch office in your region for processing.
3. When your health insurance claim is confirmed, the reimbursement money is sent to the bank account you specified.

List of Documents Required for New India Health Insurance Reimbursement Claim

The following documents will be required when initiating a reimbursement claim with New India health insurance:

1. Original receipts and bills.
2. Diagnostic tests and reports.
3. Hospitalisation recommendation by an attending physician.
4. Data of treatment and report of discharge.
5. KYC documents.
6. Health insurance policy details.
7. Bank account details of the policyholder.

How to Calculate New India Health Insurance Premium?

As a policyholder, you don't want to under or overpay for your insurance. You want peace of mind and the ability to count on an insurance company that will help you when you need it. To help you find a plan with the highest coverage possible and lower rates which fit your budget, New India has put together a way to help.

When going through the policy details one by one, you can ask for a free premium quote from a representative of New India Assurance. This is an excellent way to compare the premium and coverage of each and every insurance plan and then buy one that meets your requirement. 

Alternatively, you can go to the homepage of the webpage and click on ‘quick help’ on the page-top menu. From the dropdown list, you can select ‘quote search’. From there, you can enter your quote number and your contact details. An expert from New India Assurance will soon get in touch with you.

New India Health Insurance Tax Benefits

Section 80D of the Income Tax Act provides the policyholder with a tax deduction equal to the number of premiums paid for health insurance policies.  This tax break is permitted up to INR 25,000 for those under the age limit of 60, while it is increased to INR 50,000 for senior citizens. So, if you are below the age limit of 60 years but have somebody over the age limit of 60 years in your ongoing health insurance family floater policy, you will be entitled to an INR 75,000 tax cut. Similarly, if you're a senior citizen but you also have another senior citizen (say, your dependent parents) in your policy, you will be entitled to an INR 100,000 tax deduction.

What is Covered under New India Assurance Health Insurance Plans?

The best thing about New India Health Insurance is the way it responds to every individual's needs. It offers a diverse range of plans available with different coverages, allowing you to select the best one for your lifestyle requirements. The following are typical New India health insurance policy inclusions:

1. In-patient hospitalisation

This coverage refers to the expenses related to the treatment of a health insurance-covered illness or disease while being admitted to a hospital for more than 24 hours. It includes doctor fees, diagnostic tests, medications, blood, oxygen and others.

2. Modern treatment coverage

With the advancement of medical procedures, multiple ‘modern’ treatments are introduced which have significantly increased the life expectancy of people. It includes deep brain stimulation, robotic surgeries, bronchial thermoplasty, HIFU, uterine artery embolization and others.

3. Pre-hospitalisation

Pre-hospitalisation refers to the expenses related to the relevant treatment before the actual hospital admission. You are covered for up to 60 days before hospitalization under New India health insurance policies

4. Post-hospitalisation

Post-hospitalisation refers to the expenses related to the relevant disease treatment after the hospital discharge. This coverage will last for up to 90 days from the hospital discharge date.

5. AYUSH treatment

AYUSH treatment includes Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy. These are alternative medical procedures which are becoming somewhat popular in the country.

What is not Covered Under New India Assurance Health Insurance Plans?

In terms of features and amenities, the New India health insurance policies are among the finest. However, these policies can come with certain limitations. These are instances where the policyholder or insured is unable to submit a claim. Allow us to walk you through a few of these exclusions so you can make an informed decision.

1. Illness during the waiting period.
2. Evaluation and Investigation of illness without any treatment.
3. Hazardous sports.
4. Gender swap treatment.
5. Self-inflected injuries.
6. Maternity complications.
7. Injuries arising from alcoholism or substance abuse.
8. Plastic surgeries.
9. Respite treatment.

New India Assurance Network Hospitals

Network hospitals are basically medical facilities that have active arrangements with your insurance company to provide cashless healthcare to their clients.

If you have an active health insurance plan, you don’t need to pay anything out of pocket to receive medical care at a partnering health care facility or hospital. The benefit of using these services is that you will receive high-quality care, making the entire procedure less stressful.

New India Assurance Company Limited has a large hospital network throughout India. Utilize these resources to receive the greatest healthcare for free.

New India Assurance Health Insurance Reviews

 New India Assurance  Company Limited is a leading health insurance provider in India and one of the largest providers of medical insurance in the country. The company recognizes the important role family plays when it comes to caring for those we love and this is the reason why New India health insurance plans provide many services that allow families to enjoy their lives more comfortably without worrying about emergency funds in case of a hospitalisation. 

The company helps form a strong and lasting bond between employers and employees through its innovative group health insurance plans as a component of their employee benefits packages and tailor-made plans that are designed to suit your individual needs. Take advantage of the competitive rates and low premiums today!

How to Contact New India Assurance Health Insurance Company?