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New India Assurance

New India Assurance

New India Top-up Mediclaim

While it is a decent top up plan, it doesn't offer a disproportionately large cover as the plan only allows you to pick a maximum cover of 22 lakhs. More importantly in our opinion, it is never a good idea to buy a top up policy in the first place. Always choose a super to up plan and if you want to know the difference, click here.

What's good here?

coPay

You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

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diseaseSublimit

Your insurer won’t pay the full bill for certain diseases

Cataract upto 50K for each eye. Modern Treatments are subject to limits ranging 10-50%

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ayush

Some Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay up to 100% of the cover in case you’re availing these treatments.

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What's bad here?

roomRent

Restrictions on the rooms you can pick and much more

Upto 5K (10K ICU) for 5 Lacs deductible, and 8K (16K ICU) for 8 Lacs deductible Read more here

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ped

Long waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

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dayCare

No coverage for Day Care treatments

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will not cover these costs. Think dialysis, chemotherapy or minor surgeries.

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prePost

Pre & Post hospitalization

Not Covered

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What's lacking here?

restoration

No Restoration Benefit

Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.

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ncb

No Bonus for being healthy and not claiming insurance

Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.

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healthCheckup

Your insurer doesn’t provide free health check-ups

If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.

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Frequently Asked Questions

Yes. New India Top-up Mediclaim imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 4-year waiting period for any pre-existing disease you may have while buying the policy.
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