Quick Overview
Health insurance premiums can feel confusing, especially when prices differ based on your age, location, and the sum insured. A premium chart makes this easier to understand by showing how insurers price their health insurance plans.
New India Assurance is a public sector Insurance company founded in 1919. Under health, the company offers insurance policies for individuals, senior citizens, and families.
In this article, we break down the New India Assurance Health Insurance Premium Chart PDFs and guide you on how to estimate costs using these documents.
New India Assurance Health Insurance Plans
Quick Note: A critical illness rider is an optional add-on to life or health insurance that provides a lump-sum, tax-free payment upon diagnosis of specified severe diseases like cancer, heart attack, or kidney failure.
New India Health Insurance Premium Chart
It is easy to download the New India Assurance Health Insurance Premium Chart from the insurer’s official website. Here are the steps:
- Visit https://www.newindia.co.in/.
- Navigate to the "Products" menu at the top of the page and select "Health" from the dropdown menu.
- Choose the specific health insurance policy that you want.
- Scroll down to find the "Know More" or "Downloads" section on the product page. Each page links directly to its corresponding premium chart PDF.
- Click the policy’s brochure link to view the attached premium chart. The document will open or download. It displays age-band-wise and sum-insured-wise premium tables for that product.
Alternatively, you can go directly to the ‘Downloads’ section under the ‘Info Center’ at the bottom of New India’s website homepage to access all available rate chart PDFs.
Premium Comparison: Yuva Bharat Base Health vs Yuva Bharat Gold Health
To give you a clear idea of how premiums vary across plans, here’s a quick comparison between two variants of a New India Assurance plan: Yuva Bharat Base Health and Yuva Bharat Gold Health.
Note: These are base premiums for healthy individuals living in Delhi (Zone I) with a ₹15 lakh sum insured. The premiums mentioned are indicative and may change based on your age, city, health history, selected add-ons, and medical inflation.
Meanwhile, here’s a snippet of the premiums for senior citizens under New India Assurance’s Senior Citizen Mediclaim policy.
Factors Affecting New India Health Insurance Premium
Age
Health insurance premiums increase with higher age. Buying early helps with low premiums because when we are older chances of developing a condition are higher so loading charges etc can be applied.
Location
New India Assurance uses a zonal pricing model for its policies. For instance, in the New India Assurance Mediclaim Policy, Zone I covers Maharashtra and Gujarat, and Zone II covers the rest of India. Buying a policy in a lower-cost zone and seeking treatment in a higher-cost metro can attract a co-payment.
Medical History
New India Assurance uses a zonal pricing model for its policies. For instance, in the New India Assurance Mediclaim Policy, Zone I covers Maharashtra and Gujarat, and Zone II covers the rest of India. Buying a policy in a lower-cost zone and seeking treatment in a higher-cost metro can attract a co-payment.
Sum Insured
If you seek higher coverage, your premiums will increase automatically but the increase in premiums is marginal as compared to the increase in cover. Your base premium also increases when you choose riders, such as a personal accident rider or a critical illness cover. So, make sure to choose only those riders that suit your requirements.
Policy Tenure
You always get a discount on renewals if you choose a 2-year or 3-year payment tenure. It also protects you from premium increases due to medical inflation.
Family Composition
Premiums differ based on family floaters or individual policies. Family floaters (considering the per-person cost) are more affordable than buying separate individual policies. However, the total premium is driven by the age of the eldest adult and the number of members covered.
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Conclusion
The New India Health Insurance Premium Chart is an excellent way to learn how premiums differ across plans and what they cover. That said, viewing the rate chart alone shouldn’t drive your decision. It's equally important to compare the insurer’s features, hospital network, claim settlement experience, and long-term value.
If you want to compare plans across insurers, read our guide on the best health insurance plans in India.
Disclaimer: New India Assurance Health Insurance is not a partner insurer of Ditto. The information in this article is based on publicly available sources and the insurer's official website. Please check the insurer’s official website for the most up-to-date information.
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