Health Insurance
New India Assurance
New India Assurance is a public sector Insurance company founded in 1919. With over 100 years of experience, their product portfolio spans across Health, Motor, Travel, Marine, and other small business insurance. Under Health, they offer Insurance policies for Individual, Senior Citizens and Family, and one of them has Maternity benefit.
New India Assurance Health insurance plans
Yuva Bharat Health Platinum
The New India Assurance Yuva Bharat Health Policy Platinum is the most comprehensive variant of the Yuva Bharat Health Policy series, offering enhanced coverage compared to the Base and Gold plans. It includes essential benefits such as inpatient care, pre-hospitalization expenses up to 60 days, post-hospitalization expenses up to 90 days, AYUSH treatments, and daycare procedures. The Platinum plan adds significant features like maternity coverage, infertility treatment, pre-term/premature birth coverage, vaccination charges, and a well baby cover, making it suitable for families planning parenthood.
Sixty Plus Mediclaim
The New India Assurance Sixty Plus Mediclaim plan is designed specifically for senior citizens aged 60 and above, offering sum insured options of ₹2 lakhs, ₹3 lakhs, and ₹5 lakhs. It includes benefits like daily hospital cash allowance and attendant expenses, with a mandatory 10% co-payment. While the plan offers essential coverage tailored for seniors, it comes with sub-limits on angiography, joint replacement, and major cancer surgeries, among a few other diseases. If only single women senior citizen gets covered under the policy, then a discount of 5% will be given on the primary member’s premium.
Floater Mediclaim
New India Assurance’s Floater Mediclaim plan is a family floater health insurance policy designed for individuals aged 18 to 65 years, covering up to six family members under a single sum insured ranging from ₹2 lakhs to ₹15 lakhs. It offers lifelong renewability and cashless treatment alongside the essential coverages, making it a basic option for family health protection.
Yuva Bharat Health
The New India Assurance Yuva Bharat Health Policy is a health insurance plan designed to cover hospitalization expenses due to illness or injury. It offers three variants, each with increasing levels of coverage. The plan includes essential benefits such as inpatient care, pre-hospitalization expenses up to 60 days, post-hospitalization expenses up to 90 days, AYUSH treatments, and daycare procedures. Despite its comprehensive coverage, the plan has limitations such as disease-wise sub-limits, room rent restrictions depending on the coverage amount, a 100% limited restoration of the sum insured for a different illness, and a modest No-Claim Bonus.
Mediclaim
The New India Assurance Mediclaim policy is a traditional health insurance plan offering sum insured options from ₹1 lakh to ₹15 lakhs, designed for individuals and families aged 18 to 65 years. It provides benefits like cumulative bonuses up to 50% for claim-free years and newborn baby coverage. The policy offers lifelong renewability and cashless treatment at a network of hospitals, as well as a restoration benefit once a year for a different ailment, making it a basic yet reliable option for health protection.
New India Top-up Mediclaim
The New India Assurance Top-up Mediclaim plan offers additional health coverage beyond a base policy with sum insured options ranging from ₹5 lakhs to ₹22 lakhs. It provides coverage after a chosen deductible (₹5 or ₹8 lakhs) is exhausted. The plan covers up to six family members (entry ages 18-65, dependent children from 91 days), offers cashless treatment at over 3,700 network hospitals, and includes benefits like hospital cash and get-well benefits. It is designed for individuals seeking enhanced financial protection against high medical costs.
Senior Citizen Mediclaim
The New India Assurance Senior Citizen Mediclaim plan is tailored for individuals aged 60 to 80 years, offering sum insured options typically ranging from ₹1 lakh to ₹1.5 lakh. It features a relatively short waiting period of two years for pre-existing diseases, lifelong renewability, and benefits for mental health and genetic disorders with sub-limits. It aims to provide affordable health protection for senior citizens with moderate coverage.
Premier Mediclaim Plan
The New India Assurance Premier Mediclaim plan is a comprehensive health insurance policy offering sum insured options from ₹15 lakhs up to ₹1 crore, available in two plans—Plan A (₹15-25 lakhs) and Plan B (₹50 lakhs to ₹1 crore). It covers hospitalization, pre- and post-hospitalization expenses, maternity (up to ₹1L) and infertility treatments(up to ₹2L), outpatient consultations (after two claim-free years), and critical illness benefits. With lifelong renewability, no co-payment, it is designed for individuals and families seeking extensive health protection.
Yuva Bharat Health Gold
The New India Assurance Yuva Bharat Health Policy Gold plan is designed for individuals and families seeking basic to moderate coverage. It provides sum insured options ranging from ₹5 lakhs to ₹1 crore, with coverage for essential medical expenses such as inpatient care, pre-hospitalization expenses up to 60 days, and post-hospitalization expenses up to 90 days. It also includes additional benefits like AYUSH treatment (up to 100% of the sum insured), newborn baby coverage, medical second opinion, and road ambulance services. However, do note that all of these have sub-limits, depending on the cover amount.
New India Assurance Health insurance claim process
New India Assurance claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of New India Assurance's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
New India Assurance Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the New India Assurance website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your New India Assurance health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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