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New India Assurance Health Insurance Plans Overview

New India Assurance health insurance offers 12 health insurance plans. The premium of these plans starts from Rs. 74/yr. The sum insured ranges from Rs. 25,000 - 16 Cr. Details of the comprehensive coverage provided by the following 12 New India Assurance health insurance plans are listed below:

New India Asha Kiran Policy

Starting Premium- ₹ 1,953/yr

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

  1. 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
  2. In case of hospitalisation, a daily cash benefit is also paid
  3. 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

Eligible Age

91 days - 65 years

PED Waiting Period

4 years

Coverage

2 Lakh - 8 Lakh

NCB

NA

New India Flexi Floater Mediclaim Policy

Starting Premium- ₹ 18,691/yr

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. Day care 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

Eligible Age

18 years - 65 years

PED Waiting Period

4 years

Coverage

2 Lakh - 15 Lakh

NCB

25% increase in cover;max upto 50%

New India Floater Mediclaim Plan

Starting Premium- ₹ 2,137/yr

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

  1. Coverage for a newborn baby is included in the plan
  2. A daily hospital cash benefit is paid if you are hospitalised for 24 hours or more
  3. 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
  4. Pre-entrance medical check-ups are not required until 50 years of age
  5. You get up to a 15% premium discount if 2 or more family members are covered under the plan
  6. Another 10% premium discount is allowed for buying the policy online

Eligible Age

91 days - 65 years

PED Waiting Period

4 years

Coverage

2 Lakh - 15 Lakh

NCB

25% increase in cover;max upto 50%

New India Assurance Top-up Plans

New India Assurance health insurance provides 1 top-up plan. The premium of these top-up plans start from Rs. 1,800/yr. The sum insured ranges from Rs. 5 Lakh - 22 Lakh. New India Assurance top-up plans provide enhanced coverage and added protection for your well-being. Explore the details of each New India Assurance top-up insurance policy below:

New India Topup Mediclaim Policy

Starting Premium- ₹ 1,800/yr

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

  1. 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
  2. Up to six family members can be covered under the plan
  3. A lump sum get well benefit is paid for anyone illness
  4. AYUSH treatments are covered under the policy

Eligible Age

91 days - 65 years

PED Waiting Period

4 years

Coverage

5 Lakh - 22 Lakh

NCB

NA

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FAQs

Under many health insurance plans, there is a concept of co-payment wherein you are required to bear a part of your claim yourself. The insurance company would pay the claims which are in excess of the co-payment ratio. For example, if the co-pay ratio is 20%,20% of the claim would be borne by you and the insurance company would bear the remaining 80%. Co-payment is usually applicable where senior citizens are insured

If the plan allows maternity coverage, costs incurred in childbirth through normal or Caesarean delivery, pre-natal and post-natal care and any other charges related to childbirth are covered under the plan. However, routine doctor’s consultations during pregnancy, diagnostics, etc. would not be covered

Under health insurance plans you can claim a tax deduction of up to INR 1 lakhs through the provisions of Section 80D. Here’s how

  • You get a deduction of up to INR 25,000 if you buy a policy covering yourself, your spouse and your dependent children
  • This limit increases to INR 50,000 if you are aged 60 years and above
  • If you buy a separate policy for your dependent parents, you can claim a deduction of up to INR 25,000 on your policy and another INR 25,000 on your parent’s health insurance coverage. So, you can get a total deduction of up to INR 50,000
  • If your parents are senior citizens, the limit of deduction on their policy would increase to INR 50,000. Thus, you can claim one deduction on your health insurance coverage for up to INR 25,000 and another on your parents’ policy for up to INR 50,000. The total deduction available would be up to INR 75,000
  • If you are also a senior citizen, the deduction on your policy would be up to INR 50,000 and your parents’ policy would also be INR 50,000. Thus, you can get a total deduction of up to INR 1 lakh
  • You get a deduction of up to INR 25,000 if you buy a policy covering yourself, your spouse and dependent children
  • This limit increases to INR 50,000 if you are aged 60 years and above
  • If you buy a separate policy for your dependent parents, you can claim a deduction of up to INR 25,000 on your policy and another INR 25,000 on your parent’s health insurance coverage. So, you can get a total deduction of up to INR 50,000
  • If your parents are senior citizens, the limit of deduction on their policy would increase to INR 50,000. Thus, you can claim one deduction on your health insurance coverage for up to INR 25,000 and another on your parents’ policy for up to INR 50,000. The total deduction available would be up to INR 75,000
  • If you are also a senior citizen, the deduction on your policy would be up to INR 50,000 and for your parents’ policy would also be INR 50,000. Thus, you can get a total deduction of up to INR 1 lakh

Yes, you can choose as many optional covers that you like depending on your coverage needs. For each optional cover selected, however, you would have to pay an additional premium.
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