New India Health Insurance

The New India Assurance Company is a public sector insurance company owned by the Indian Government. The company was formed in 1919 by the legendary Sir Dorabji Tata. Today, New India has become a multinational company that is functioning in 28 countries across the world. The company’s headquarters are located in Mumbai, and with a workforce of over 19,795 and 68,389 agents and over 2,395 offices, the company has a strong presence pan India. 

CRISIL has also rated the company AAA/Stable since 2014. Since then the company has maintained a B++ Stable FSR Rating and bbb+ Stable ICT Outlook by AM BEST Company. In March 2021, the global business crossed a remarkable INR 31573 crores and the business in India was over INR 28548 crores. The company’s business has also been growing ever since it was established.

Features and benefits of New India Assurance Health Insurance

1. The company operates through 2452 offices which also includes 1339 micro offices
2. The company offers a range of 230 insurance products
3. The health insurance plans offered by the company offer a wide scope of coverage
4. The premiums are affordable and low
5. The solvency ratio of the company is 2.13 which shows that the company is financially stable
6. The company’s growth rate is 13%

Coverage offered by New health insurance scheme

The health insurance plans offered by New India offer the following types of coverage features –

1. Hospitalisation costs

Under this feature, the costs incurred when you are hospitalised are covered. The hospitalisation should be for 24 hours or more and coverage is allowed for room rent, doctor’s fees, surgeon’s fee, nurse’s fee, etc.

2. Pre hospitalisation costs

Costs incurred before you are hospitalised are covered under pre-hospitalisation coverage benefits.

3. Post hospitalisation costs

Costs incurred after you are discharged from the hospital for recovery and monitoring of the illness are covered under this head.

4. Daycare treatments

Treatments that do not require a hospital stay for 24 hours due to advanced technology are covered under most health insurance plans.

5. AYUSH treatments

Non-allopathic treatments through Ayurveda, Homeopathy, etc. are also covered under many health insurance plans offered by New India.

6. Organ donor costs

If you are undergoing organ transplant surgery, the costs incurred in harvesting the organ from an organ donor would be covered under the plan.

7. Ambulance costs

The costs incurred in transporting the insured individual to the hospital for hospitalisation are called ambulance costs. These costs are covered under health insurance plans up to specified limits.

8. Domiciliary treatments

Domiciliary treatments include treatments taken at home because you cannot be moved to the hospital or because there is no hospital bed available. These treatments are covered under many New India Assurance mediclaim policies.

9. Maternity coverage

Some New India health insurance plans also allow coverage for maternity-related costs like those incurred during childbirth. These costs are covered up to a specific limit depending on the plan that you choose.

10. Free health check-ups

All health insurance plans offered by New India allow you free health check-ups after a specified duration. These check-ups allow you to track and monitor your health periodically.

11. No claim bonus

If no claims are made in the preceding policy years your health insurance policy becomes eligible to earn a no claim bonus. The no-claim bonus is allowed either as an increase in the sum insured at the same level of premium or as a discount in the renewal premium.

Exclusions under New India mediclaim policies

There is a specific list of exclusions found in all New India Assurance mediclaim plans. These exclusions include those costs and treatments which are not covered under the plan. Some common exclusions include the following –

1. Pre-existing illnesses are not covered from policy inception. They are covered after a waiting period
2. Cosmetic treatments and dental treatments are not covered in all health plans
3. Illnesses or injuries suffered due to suicide, self-inflicted injuries, substance abuse, criminal acts, etc. are not covered
4. HIV, AIDS and other sexual or venereal diseases are not covered
5. Cost of spectacles, dentures, hearing aids, etc. are not covered
6. There might be specific waiting periods for named illnesses
7. War, invasion, participation in hazardous sports, etc. are not covered
8. Congenital diseases
9. Mental disorders, etc.

Optional coverage benefits under New India health insurance plans

Optional coverage features are those which are not found inbuilt under the plan. However, they are available at an additional premium. New India’s health insurance plans allow different types of optional coverage benefits which are as follows –

1. Maternity cover

Many plans offer maternity coverage as an optional benefit at an additional premium. Through this coverage, you can get the costs of childbirth covered under the plan.

2. Revision in cataract limit

Cataract coverage is allowed under some plans up to specified limits. These limits can be enhanced through this add-on.

3. New India Asha Kiran PolicyVoluntary co-pay

You can choose to pay a portion of the claim from your own pockets. This is called voluntary co-payment. If this add-on is selected, you get premium discounts in the policy.

Health insurance plans offered by New India Assurance

Here is a list of all the health insurance plans which are offered by New India Assurance Company –

1. New India Asha Kiran Policy 

This is a unique health plan which allows coverage only to parents who have a girl child. The policy can be taken to cover the girl child with either of the parents. The salient features of the plan are as follows –

• The plan not only covers hospitalisation costs but personal accidental injuries too. Parents of the child are covered against accidental death and permanent total or partial disablement

• In case of hospitalisation, a daily cash benefit is also paid

• The plan also covers eleven critical illnesses. If the insured suffers from any of the covered illness, 10% of the sum insured is paid in a lump sum

Eligibility parameters of New India Asha Kiran Policy

2. New India Janata Mediclaim PolicyNew India Cancer Guard Policy

New India Cancer Guard Policy covers you and your family in case someone is infected with cancer. Along with in-patient expenses, the policy also covers outpatient expenses and daycare procedures. Every stage of cancer is covered under the New India Cancer Guard and both conventional and advanced treatments are covered such as chemotherapy, radiotherapy, proton treatment, organ transplant, stem cell trans[lantation

The main features of the New India Cancer Guard Policy are as follows:

1. The policy can be purchased by an adult up to the age of 65 years
2. For children who are over the age of 3 months, the policy can be purchased by the parents/ guardians as long as the children are financially dependent, however, this age limit is not applied if the child is mentally challenged
3. Apart from yourself, you can cover your spouse, children, parents and wards. Each member will have a separate sum insured 
4. If the policyholder is diagnosed with cancer during the 90-day waiting period, the premiums will be returned and the policy would be cancelled
5. The sum insured can be selected on the basis of the age of the insured. You can choose a sum insured that suits you the best:
1. Less than 50 years: INR 5 lakhs, 10 lakhs, 15 lakhs, 25 lakhs, 50 lakhs
2. 51 to 55 years: INR 5 lakhs, 10 lakhs, 15 lakhs
3. 56 years to 60 years: INR 5 lakhs and INR 10 lakhs
4. 61 to 65 years: INR 5 lakhs
6. There is no requirement of a pre-policy medical screening 
7. For every claim-free year, your cumulative bonus shall be increased by 10% to a maximum of 50%
8. An ambulance charge of up to INR 3,000 per hospitalisation will be paid when shifting the insured member
9. You can increase the sum insured before paying your renewal premium with prior permission from the company. The enhancement can not be done if:
1. The insured is above 60 years
2. The insured has been diagnosed with cancer
10. The policy covers proton therapy
11. When you buy a new policy online or renew your policy online, you are eligible for a 10% discount 
12. If you are advised to have surgery, you can get a second opinion from another doctor. For sum insured up to INR 15 lakhs the benefit would be covered till INR 5,000 and for sum insured 25 lakhs and 50 lakhs the benefit can be up to INR 10,000

Eligibility parameters of New India Cancer Guard Policy

3. New India Janata Mediclaim Policy

An ideal policy, the New India Janata Mediclaim Policy is the perfect solution for the people who wish to secure themselves and their loved ones with an affordable health insurance policy. You can cover self, spouse and 2 dependent children in this plan. 

The main features of the policy are as follows:

1. The policy would cover the hospitalisation expenses in the general ward of a hospital including:
1. Daycare procedures with a maximum charge of INR 450 per day
2. ICU and ICCU, pulse oximeter expenses are covered
3. Consumables, implants, medical and surgical devices and pharmacy expenses are covered
4. Pre and post hospitalisation expenses for up to 30 and 60 days are covered respectively. In the case of post-hospitalisation, the expenses are covered up to 10% of the hospital bill
5. Transportation of an insured in case of an emergency, either from home to hospital or hospital to hospital in a road ambulance is covered up to INR 1000
2. When taken at a government hospital, AYUSH treatments are indemnified up to 25% of the sum insured
3. Children between the age group of 3 months and 18 years will be covered in the policy if their parents are covered too
4. The policy can be renewed till the age of 60 years
5. Mental illness and psychological disorders are covered after the 48-month waiting period. This comes with a sub-limit of 25% of the sum insured
6. Artificial life maintenance is covered as per the policy terms and conditions
7. Waiting Period
1. There is an initial 30-day waiting period during which no claims except accidental injuries are covered
2. There is a waiting period of 90 days for Diabetes Mellitus, Hypertension and Cardiac Conditions
3. Post the waiting period of 48 months, the genetic disorders/ diseases are also covered
8. Modern treatments and procedures are covered up to specified limits
9. The policy also covers hospitalisation expenses, not the cost of the organ, when a donor donates an organ to the insured member

Eligibility parameters of New India Janata Mediclaim Policy

4. Group Mediclaim Policy 2007

This policy by New India would cover the hospitalisation expenses incurred by the insured member. The hospitalisation either due to an illness or an injury can be claimed as reimbursement or also as a cashless facility when the treatment is taken in a network hospital. Group Mediclaim Policy 2007 is a group health plan and is all the more affordable. While offering a comprehensive cover, the policy helps you in your time of need.

Let us take a look at the main features of Group Mediclaim Policy 2007:

• Group Mediclaim Policy 2007, would cover the reasonable and customary medical expenses including the following:
• Boarding, room rent, DMO/ RMP charges, medicines and injections, nursing up to 1% of the selected sum insured for each day
• Intensive Care Unit or Intensive Cardiac Care Unit charges, Monitor charges, expenses on the pulse oximeter, OT charges are covered up to 2% of the selected sum insured for each day
• Professional fee of Anaesthetist, surgeon, specialist, blood, oxygen and treatment-related expenses are covered
• The cost of implants, pharmacy, diagnostics and consumables is also covered 
• The cashless facility can be availed in a network hospital
• The medical expenses on pre-hospitalisation are covered up to 30 days, while post-hospitalisation expenses are covered up to 60 days 
• Cataract treatment would be limited to the actual expenditure incurred on the treatment or up to INR 24,000 (whichever is less)
• AYUSH treatment for illness or injury that is taken at a Government-authorised hospital is covered up to 25% of the selected sum insured
• Under this plan ambulances services that are up to INR 2,500 or 1% of the sum insured are covered
• Medical expenses (not including the cost of organ) that are incurred on the donor during an organ transplant course
• The plan also offers some specific coverages, such as:
• Impaired of the insured member’s intellectual faculties
• Maintenance of artificial life
• Neurodegenerative disorders
• Disorders related to menopause and puberty
• ARMD, Age-Related Macular Degeneration
• Genetic disorders
• Maternity benefit can be purchased as an optional cover

Eligibility parameters of New India Group Mediclaim Policy 2007

5. Group Mediclaim Policy for Workers

The New India Assurance Company has been offering a range of Health insurance policies to secure the well-being of their clients. Adding one more to the list, here is a beneficial and efficient policy launched to look after the financial expenses, if any at the time of emergencies. 

The New India Group Mediclaim policy for workers is launched to cover the medical expenses of all groups, be it family or employees. This excellent health Insurance policy will cover the expenses of the insured members who suffer from any accidents, injuries, illness, or diseases. Moreover, the policy will cover the expenses of in-patient hospitalization, daycare treatments, and many more such medical facilities availed by the policyholders.

Main features of New India Group Mediclaim Policy:

1. The New India Policy provides medical coverage for in-patient hospitalization:

• Room rent, boarding, and nursing charges shall be borne by the company as specified by the hospital.
• The charges incurred towards Intensive Care Units (ICU), Intensive Cardiac Care Unis(ICCU), monitor, pulse oximeter, and intensivist shall be covered in the policy.
• Payment of fees of specialists/medical practitioners/anesthetists/surgeons shall be borne by the company either directly or to the hospital.\
• The company will cover expenses incurred in blood, oxygen, anaesthesia, medicines, drugs, consumables, and other medical necessities.
• Operation theatre charges, pacemaker charges, x-ray, chemotherapy, radiotherapy, dialysis, cost of implants, and other medical devices used in the treatment shall be covered in the policy.

1. Pre-and-post hospitalization charges for the insured members shall be covered by the company for up to 30 days and 60 days respectively.
2. Expenses incurred towards alternative AYUSH treatments for the insured person shall be covered up to 25% of the sum insured.
3. Group Mediclaim policy by New India Assurance will provide coverage for road ambulance as per hospitalization to a maximum of INR 1000.
4. The expenses incurred towards the medical procedures in the process of organ transplantation for the insured person shall be borne by the company up to the sum insured.
5. The policy will provide financial coverage over specific modern treatments for the insured members for up to 10% of the sum insured.
6. In case the insured person gets impaired due to the consumption of drugs, depressants, and stimulants as a part of treatment for illness, the medical expenses incurred shall be covered by the company up to 5% of the sum insured.
7. The expenses incurred in the usage of artificial life maintenance machines for the insured members shall be covered by the company up to 10% of the sum insured.
8. The health Insurance policy shall cover the expenses incurred towards the treatment of mental disorders, stress, anxiety, depression, or related disease for the insured person up to 25% of the sum insured.
9. A low waiting period of 30 days shall be applicable for the policyholders except in the case of accidents.
10. The expenses incurred in all daycare treatments for the insured members shall be covered.

Eligibility parameters of New India Group Mediclaim Policy for Workers

6. New India Flexi Floater Mediclaim Policy

New India Flexi Floater Mediclaim policy is a comprehensive health plan that covers you and your family under one sum insured which is available on a sharing basis. The plan gives you the safety and peace of mind that even in difficult times when you or a loved one requires medical attention, you would not have to compromise on the high treatment costs, as the policy would cover the expenses of hospitalisation. Let us take a look at the main features of the New India Flexi Floater Mediclaim Policy:

1. The plan indemnifies that expenses on hospitalisation, that last for 24 hours or more, for every insured member up to the sum insured 
2. Daycare procedures that last less than 24 hours are also covered in the policy
3. There are multiple sum insured options that you can select from according to the requirements of your family
4. The plan covers nursing and boarding, room rent up to 1% of the sum insured per day
5. ICU and ICCU charges are covered up to 2% of the sum insured on a daily basis
6. Pre and post-hospitalisation charges are also covered by the plan for 30 and 60 days respectively
7. Treatment of cataracts is covered to a maximum of INR 24,000 as per the policy terms
8. The company will indemnify ambulance charges up to 1% of the sum insured opted for
9. Alternate treatments such as Ayurveda, Homoeopathy and Unani are covered up to 25% of the sum insured
10. Ambulance charges up to 1% of the sum insured or the actual cost, which is less than INR 2,500 will be covered
11. Maternity Expenses Benefit is available as an Optional Cover

Eligibility parameters of New India Flexi Floater Mediclaim Policy

7. New India Flexi Group Mediclaim Policy

New India Flexi Group Mediclaim Policyis a health insurance policy that comes with wide coverage. While covering the expenses on your stay at a hospital that exceeds 24 hours, it helps you have the peace of mind that in case of a medical condition, you would not have to take a chunk out of your savings. Your health plan will indemnify the cost of treatment.

Being a group mediclaim policy, employers/ employees can opt for this policy. There are specific groups under which the premium has to be paid. The Group mediclaim policy can opt for your family so that they too can get good medical care if the need be. 

Here are the key features of theNew India Flexi Group Mediclaim Policy

1. The Flexi Group Mediclaim policy covers room rent, boarding and nursing, DMO/ RMO/ CMO charges, not beyond 1% of the daily sum insured
2. Charges incurred in the ICU and ICCU are covered up to 2% of the sum insured on a daily basis
3. Pre-hospitalisation charges are also covered by the plan for 30 days, while post-hospitalisation is covered for 60 days
4. The fee of surgeons, consultants, anaesthetists; blood, oxygen, OT charges, charges for dialysis, radiotherapy, chemotherapy etc are covered
5. Depending on the eligible category, a proportionate deduction may be applicable
6. The company would be liable to pay for the treatment of cataracts only up to the actual cost or up to INR 24,000, whichever is lower
7. AYUSH treatments, which mean Ayurveda, Homoeopathy and Unani are covered up to 25% of the sum insured. However, keep in mind that these treatments would be covered only when taken in a government hospital or a recognised institute
8. The ambulance service that you use for emergency transport of the insured member, you would be covered as per the actual costs or up to 1% of the sum insured
9. Excluding the cost of the organ, the expense incurred during the organ transplant to the insured member is covered 
10. The plan offers specific coverages, after the waiting period, such as:
1. Impairment of an insured intellectual facilities
2. Treatment of mental disorders
3. Age-related muscular degeneration
4. Puberty/ Menopause related issues
5. Genetic disorders
6. Artificial life maintenance 
7. Behavioural and Neuro Development Disorders 
11. Specified modern treatments are also covered

Eligibility parameters of New India Flexi Group Mediclaim Policy

8. New India Standard Group Janata Mediclaim

New India Assurance Company promises to protect the health of its clients and that of their loved ones. This super-efficient policy is all you would desire to safeguards the health of you and your family, in any unfortunate situation.

New India Standard Group Janata Mediclaim Policy is a policy for those who would like their whole family to be protected under one umbrella. The policy lets you include your spouse, dependent children, and dependent parents to be covered along with you. This health insurance will cover the medical expenses incurred if the insured member gets injured or gets detected for an illness or disease.

Main Features of New India Standard Group Janata Mediclaim Policy:

1. The policy shall cover the expenses incurred for in-hospitalization of the insured person:

• Room rent for the general ward/ daycare center for up to INR 450 shall be covered.
• The policy included the charges for Intensive Care Units (ICU) and Intensive Cardiac Care units (ICCU).
• Payment of fees for Medical practitioners/ specialists/ surgeons/anaesthetists shall be borne by the company.
• The charges of Blood, oxygen, anaesthesia, medicines, drugs and other medical necessities shall be covered by the company.
• Charges for Operation theatre, surgical appliances, dialysis, x-ray, chemotherapy, radiotherapy, pacemakers, and cost of other implants shall be covered in the policy.

1. Pre-and-post hospitalization charges for the insured person shall be covered by the company for up to 30 days and 60 days respectively.
2. Medical expenses incurred in alternative AYUSH treatments, if availed by the insured person shall be covered by the company up to 25% of the sum insured.
3. Standard Group Janata Mediclaim policy shall cover the expenses for Road Ambulance up to INR 1,000 per hospitalization for the insured person.
4. The medical expenses incurred in the process of organ transplantation for the insured person shall be covered by the company up to the sum insured, with specific limitations.
5. The policy shall cover the expenses of Cataract treatment for the insured person up to INR 10,800.
6. Janata Mediclaim Policy will offer coverage overall daycare treatments undertaken by the insured person.
7. A low waiting period of 30 days shall be applicable for the policy except for accidents.
8. This health insurance policy provides cashless treatment for its policyholders at all network hospitals.
9. The policy is designed to cover the expenses of intermediate surgeries, major surgeries and supra major surgeries up to the sum insured.

Eligibility Conditions for New India Standard Group Janata Mediclaim Policy:

9. New India Jan Arogya Bima Policy

This is an affordable health insurance plan which provides low-cost health insurance to economically weaker sections of society. The features of the plan are as follows –

• The policy can be taken on a family floater basis

• The policy covers all the basic hospitalisation costs at low premiums

Eligibility parameters of New India Jan Arogya Bima Policy

10. New India Janata Mediclaim Policy

This is also an affordable health insurance plan which has the following features –

• Daycare treatments are covered under the policy

• You can avail of coverage for existing diabetes and hypertension after two short years by paying an additional premium

• The policy can be taken to cover yourself as well as your family

• AYUSH treatments are also covered under the plan

• You get premium discounts for covering your family members, for renewing the policy every year and for maintaining good health

Eligibility parameters of New India Janata Mediclaim Policy

11. New India Floater Mediclaim Plan

This is also a family floater plan which has the following salient features –

• Coverage for a newborn baby is included in the plan

• A daily hospital cash benefit is paid if you are hospitalised for 24 hours or more

• There are 11 critical illnesses covered under the plan and if you suffer from any of them you get 10% of the sum insured in a lump sum

• Pre-entrance medical check-ups are not required until 50 years of age

• You get up to a 15% premium discount if 2 or more family members are covered under the plan

• Another 10% premium discount is allowed for buying the policy online

Eligibility parameters of New India Floater Mediclaim Plan

12. New India Global Mediclaim Plan

This is a unique health insurance plan available for individuals who already have health insurance coverage of INR 8 lakhs and above. The features of the plan are as follows –

• There are two plan options of A and B

• Coverage is allowed for cancer, neurosurgery, CABG, heart valve surgery, organ donor transplant and bone marrow transplant

• International coverage is allowed under the plan

• Coverage also includes travel costs, accommodation, repatriation, airport transfers and translation assistance when you travel to another country for treatment

Eligibility parameters of New India Global Mediclaim Plan

13. New India Mediclaim Policy

This is a health insurance plan which can be taken to cover your entire family. The salient features of the plan are as follows –

• No pre-policy check-ups are required till 50 years of age

• The hospital cash benefit is payable in case of hospitalisation

• Free health check-ups are allowed after every three policy years

• A newborn baby is covered from the first day of birth

• There are a range of optional coverage benefits under the plan

• The sum insured can be reinstated if it is exhausted

Eligibility parameters of New India Mediclaim Policy

14. New India Premier Mediclaim Policy

This is a premium health insurance plan which allows a lot of coverage benefits and can be taken for the whole family. The features of the plan are as follows –

• There are two coverage options under the plan. Plan A has a sum insured of INR 15 and 25 lakhs while Plan B offers a higher sum insured of INR 50 lakhs and INR 1 crore

• Critical illness benefit is inbuilt under the plan where the company pays a fixed benefit if you suffer from any of the covered critical illnesses

• A daily benefit is paid if you are hospitalised for 24 hours and more

• OPD coverage is available under the plan after two claim-free policy years

• Maternity and newborn baby coverage is also available under the plan

• Treatment costs for infertility treatments and HIV/AIDS are also covered

• Obesity treatments and psychiatric treatments are covered up to specified limits

• You can also avail of dietician counselling and concierge services under the plan.

Eligibility parameters of New India Premier Mediclaim Policy:

15. New India Sixty Plus Mediclaim Policy

This is a senior citizen medical insurance policy that covers individuals aged 60 years and above. The features of the plan are as follows –

• Coverage for hiring an attendant is covered under the plan up to specific levels

• There is an optional voluntary co-payment cover which, if chosen, allows a premium discount

• You also get a daily hospital cash benefit in case of hospitalisation

• Organ transplant costs are covered under the plan

Eligibility parameters of New India Sixty Plus Mediclaim Policy

16. New India Top-up Mediclaim Policy

This is a super top-up health insurance plan which helps in increasing existing health insurance coverage. The plan has a deductible limit and if the claim exceeds the deductible limit the excess claim is paid. Other features of the plan are as follows –

• Claims are considered on an aggregate basis against the deductible that you have chosen. Thus, if the aggregate claims exceed the deductible, the claim is paid

• Up to six family members can be covered under the plan

• A lump sum get well benefit is paid for anyone illness

• AYUSH treatments are covered under the policy

Eligibility parameters of New India Top-up Mediclaim Policy

17. New India Senior Citizen Mediclaim Policy

This is also a senior citizen health insurance plan which has the following salient features –

• AYUSH treatments are covered up to specified limits

• A premium discount of 10% is allowed if you choose voluntary co-pay

• You also get another 10% premium if the spouse is also covered under the plan

Eligibility parameters of New India Senior Citizen Mediclaim Policy

18. New India Universal Health Insurance Scheme

This is a group health insurance scheme that is available for covering a group of 100 families and above. The features of the plan are as follows –

• Hospitalisation expenses are covered under the plan

• Accidental coverage is allowed for the earning member of the family

• A daily compensation is paid if the earning member becomes disabled due to an accident

Eligibility parameters of New India Universal Health Insurance Scheme:

Do’s and Don’ts of buying New India health insurance plans:

When buying a health insurance plan from New India, here are some points which you should know-

Do’s:

• Always fill up the proposal form correctly mentioning all the details honestly. The proposal is the basis of the contract and incorrect information would jeopardize your policy
• Ensure that the sum insured is sufficient to cover your medical costs
• If you have any pre-existing illnesses, disclose the same. Though the coverage would be allowed after a waiting period you would be able to avail coverage
• Always maintain the policy bond with you safely
• Check the policy document for all the details entered in it. If there is any mistake the same should be communicated to the company and rectified in the policy document
• If health check-ups are required, get the check-ups done and submit the medical reports to the insurance company as early as possible
• Always renew the policy within the due date so that you can enjoy continued coverage lifelong

Don’ts:

• Do not hide any important information when filling up the proposal form. If you provide incorrect information your claim might get rejected
• Do not sign the proposal form without understanding all the details mentioned in the form. Read the fine print to know what are the terms and conditions of coverage
• Don’t delay in informing the insurance company when a claim occurs. If you delay, the claim settlement would also be delayed

How to buy New India health insurance plans?

You can buy New India health insurance plans online. The company allows various health insurance policies to be bought online. You can visit the company’s website, choose the policy that you want to buy and click to buy it online. You would just have to fill up an online proposal form and pay the premiums online and the policy would be bought.

There is another way to buy the policy online and it is through Turtlemint. Turtlemint is an online platform through which you can easily buy the most suitable New India health insurance plan. To buy through Turtlemint, here are the steps –

1. Visit Turtlemint at www.turtlemint.com/health
2. Choose to buy a new policy, top-up an existing coverage or change your existing insurance company
3. Provide all your details so that suitable plans can be found and the premium can be calculated. The details include your gender, age, members to be covered, their age, any pre-existing illnesses, income level, etc.
4. Once the details are provided, you would be shown a list of health insurance plans to compare and choose
5. You can also contact Turtlemint’s team of experts if you have any doubts before buying the policy
6. After you shortlist the policy, you can fill in the online application form, pay the premiums online and buy the policy. It’s as simple as that

How to renew New India health insurance plans?

Renewal of New India health insurance plans is also possible online. New India offers you a quick renewal option to renew the policy. The steps are as follows –

1. Go to https://www.newindia.co.in/portal/
2. Under ‘Quick Help’ choose ‘Quick Renewal’
3. You would have to provide your customer ID number, policy number and then click on ‘Proceed’
4. You would, then, be shown the details of your existing health insurance plan
5. You can pay the renewal premium online and the policy would be renewed

Renewal is also possible through Turtlemint. If you have purchased your policy through Turtlemint’s platform you would have the online login credentials to your account. You can log into your account using your login credentials. Once you are logged in you can view the plans which you have bought. You can then choose to renew your health insurance coverage online. For renewing you would have to pay the premiums online and the renewal would be done.

How to pay premiums for New India Assurance mediclaim policy?

Premiums for New India mediclaim policies can be paid online or offline. The various means to pay are as follows –

Offline payment modes –

• Cash 
• Cheque
• Demand draft

Online payment modes

• Debit cards
• Credit cards
• Net banking facility
• UPI ID
• Mobile wallets
• NEFT
• IMPS
• Auto debit from your bank account, etc.

How to make a claim under New India health insurance plans?

Claims under New India Assurance health insurance plans can be made through the following steps –

1. You should inform the company’s TPA (Third Party Administrator) whenever you face any claim. The information should be given at least 48 hours before a planned hospitalisation or within 24 hours of an emergency one.
2. After you are discharged from the hospital, submit the relevant documents to the TPA for reimbursement of the expenses that you had incurred on treatments
3. The documents should be submitted within 7 days of discharge. For claiming post hospitalisation expenses, the documents should be submitted within seven days of completion of the post hospitalisation treatments
4. You would also have to authorize the TPA to obtain any and all medical records from the hospital if required
5. To claim cashless hospitalisation, you would have to be treated at a networked hospital. The list of networked hospitals can be found online on the company’s website. The hospital should be approved by the company’s TPA for you to avail of cashless benefits. If the hospital is not approved, claims would be settled on a reimbursement basis only

Documents required for making claims

The following set of documents would have to be submitted to the TPA for your claim to get processed and settled – 

1. Discharge certificate from the hospital in which you took the treatment
2. All bills and receipts of the medical costs that you incurred
3. Cash memos issued by the hospital or the pharmacy from where medicines and other supplies were bought
4. All pathological tests conducted as well as their payment receipts
5. A doctor’s prescription which advises hospitalisation and the treatments necessary 
6. Surgeon’s certificate should show the type of surgery performed
7. Attending doctor’s certificate as well as receipts of payments done to him/her
8. The claim form should be completely filled and signed by the policyholder 

Turtlemint allows you an easy alternative for your health insurance claims. Through Turtlemint’s help you can get your claims settled faster and that too with minimal hassles. Turtlemint has an in house dedicated claim management team of experts who go through the claim process on your behalf. You just have to inform the company of your claim and set back and see your claims getting settled. To inform, call Turtlemint’s toll-free helpline number 1800 266 0101 or drop an email to claims@turtlemint.com. Once informed the claim experts would take your claim forward by coordinating with the insurance company and you would not have to undertake any hassles.