New India Assurance Health Insurance

Features and benefits of New India Assurance Health Insurance:

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

Coverage offered by New health insurance scheme :

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
12. Optional coverage benefits under New India health insurance plans
    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