Search for details of NEW INDIA ASSURANCE network hospitals in India.
Established in the year 1919, New India Assurance Co. Ltd., is a Mumbai based assurance company which is one of the 5 assurance companies completely owned by the government. In terms of gross premium collection inclusive of foreign operations, New India Assurance is the largest general insurance company in India. The company attained a nationalized status in 1973. New India Assurance runs operations not only in India but also in countries overseas. New India Assurance has partnered with several leading Indian banks such as State Bank of India, United Western Bank, Corporation Bank, Central Bank of India and many other to enhance their distribution network. New India Assurance offers different types of insurance policies such as personal insurance, commercial insurance, industrial insurance, liability insurance and social insurance. Under personal insurance, the company offers a number of health insurance policies such as New India Floater Mediclaim Policy, Mediclaim 2012 policy, Mediclaim 2007 policy, Senior Citizen Mediclaim policy and the Overseas Mediclaim policy. The company has set up a claim process that is not only customer friendly but also hassle free to save you more time.
New India Floater Mediclaim Policy – This insurance policy is available for people who are between 18 to 65 years of age and is designed to provide cover to the insured and their family against unexpected hospitalization expenses.
New India Asha Kiran Policy – This policy is available only to parents of girl children and is designed to protect the insured and their family against unexpected hospitalization expenses.
Mediclaim 2012 Policy – This policy is available to individuals between the ages of 18 years to 65 years and for children between 3 months and 25years of age (on the condition that they are financially dependent on the parents. This policy provides the insured and their family cover against any sudden costs of hospitalization.
Mediclaim 2007 Policy – This policy is available for individuals between the ages of 18 years to 60 years and for children between the age of 3 months and 18 years. The policy provides cover for hospitalization expenses which have been incurred towards the treatment of an injury or illness where hospitalization required exceeds 24 hours. The policy also covers day-care treatments, ambulance charges, ayurvedic/homeopathic or Unani treatments (conditions Applied), pre-existing diseases and conditions (conditions applied).
Family Floater Mediclaim Policy – This policy is available to people between the ages of 18 to 60 years where Floater Benefit is provided. The policy covers the policy provides cover for hospitalization expenses which have been incurred towards the treatment of an injury or illness where hospitalization required exceeds 24 hours. The policy also covers day-care treatments, ambulance charges, ayurvedic / homeopathic or Unani treatments (conditions Applied), pre-existing diseases and conditions (conditions applied).
Janata Mediclaim Policy – Similar to the Family Floater Mediclaim Policy, the Janata Mediclaim Policy also is available to people between the ages of 18 to 60 years and provides cover for hospitalization expenses which have been incurred towards the treatment of an injury or illness where hospitalization required exceeds 24 hours. The policy also covers day-care treatments (where 24 hour hospitalization is not required), ambulance charges, ayurvedic / homeopathic or Unani treatments (up to 25% of sum insured when treatment is done at a registered hospital), and for pre-existing diseases and conditions (subject to policy terms and conditions).
Senior Citizen Mediclaim Policy – This policy is available for senior citizens who are residents of India and are between the ages of 60 to 80 years. The policy provides cover against hospitalization expenses, pre and post hospitalization expenses up to a duration of 30 . 60 days, ambulance charges, limited cover for hospitalization expenses at registered Ayurvedic, homeopathic or Unani hospital or at government hospitals. The policy also covers pre-existing diseases and conditions (subject to terms and conditions of the policy).
Overseas Mediclaim Policy – This policy is available to individuals who are frequent corporate travelers and provides cover for medical expenses which may be incurred by the insured outside India directly due to sickness, disease contracted or injuries sustained.
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New India Health Insurance Cashless Network Hospitals
Cashless hospitalization is a lifesaving feature that is included in health insurance policies now a days. Under the Cashless Hospitalization facility, policyholders do not have to forego unavoidable medical treatments if you are short of cash. The insured can not only get admitted to the hospital but also undergo the necessary treatment, without having to pay for it. The cost of hospitalization and treatment will directly be settled between the hospital and the insurance provider. As one of the leading government backed insurers, New India Insurance has a nationwide network of Cashless Hospitals which are located in most states across the country. Policy holders can seek treatments at any one of these network hospitals without having to pay for their treatment.
Types of Claims That an Be Raised At New India Insurance Network Hospitals
Under the Cashless Hospitalization Facility, policyholders can make two kinds of claims, which are Cashless claims and Reimbursement claims.
Cashless claims – This type of claim arises when policyholder is undergoing hospitalization that is not sudden and unexpected. The insurance provider will be duly notified about the policy holder’s hospitalization. Under Cashless Claims, the policyholder can get admitted at any of the hospitals across India that are a part of New India’s Cashless Hospital Network. Once the policyholder has undergone the treatment, they bill for the hospitalization and treatment will directly be sent by the hospital to the patient’s insurance provider. However, the policyholder may have to cover the expenses which are not a part of the cashless claims facility.
Reimbursement Claims – A Reimbursement claim is filed when the policyholder has not been admitted and sought treatment at a hospital which is a part of the insurance provider’s Cashless Hospital Network. In this case, the policyholder, after their hospitalization and treatment will submit the bills for their hospitalization ad treatments to their insurance provider, who will then reimburse the policyholder towards those hospitalization bills. The reimbursement of claims will be done as per the terms and conditions of the policy.
In case of claims to be made at Cashless Network Hospitals under New India Insurance Cashless Hospital Network, the procedure I quite simple and hassle free. Once the patient has been admitted to the hospital falling under the insurer’s cashless network, the family members of the insured / policy holder can contact the concerned officials on New India’s Toll Free number or log into the TPA (Third Party Administrator) website. The authorization of the network hospital can be acquired on the submission of the necessary documents such as the doctor’s certificate to the TPA. Once the treatment and hospitalization is over, the bills for the same will directly be sent to the insurance company from the hospital.
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Procedures Covered Under New India Insurance Network Hospitals
Under the New India Health Insurance Policy, there are several procedures which are covered under the cashless hospital network, such as X-ray, Dialysis, Chemotherapy, Radiotherapy, Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, relevant laboratory diagnostic tests, etc. & other such expenses.
Exclusions Under new India Insurance Network Hospital Services
The exclusions under the Cashless Hospital Network facility are as follows:
Pre-existing disease or condition until continuous coverage of 48 months of the affected person are over, starting from the date of commencement of the policy.
Illness contracted by the insured individuals within the first 30 days of the start of the policy.
Injury or illness caused directly or indirectly or as a result of war, invasion, acts of a foreign enemy, war operations, contamination by radioactive material, nuclear weapon/ ionising radiation, nuclear fuel or nuclear waste or from the combustion of nuclear fuel.
Plastic Surgery carried out due to reasons other than those deemed necessary following an accident or an illness.
Cost of braces, external prosthetic devices, non-durable implants, eyeglasses, spectacles or contact lenses, hearing aids including cochlear implants, durable medical equipment.
Dental treatment or surgery of any kind will not be included unless the same is deemed necessary due to an accident and requires hospitalization.
Congenital internal and external anomalies, diseases or defects.
Convalescence, general debility, obesity treatment, rest cure.
Treatment for infertility, venereal disease, impotence or any psychiatric and psychosomatic disorders.
Any injury caused to self intentionally.
Injury or illness caused due to the consumption or use of intoxicants such as drugs or alcohol.
Any bodily injury or illness caused due to intentional exposure to danger, except in an attempt to save another human life.
Attempted suicide or injury following non-conformity to medical advice.
Treatment for any illness or bodily injury sustained due to active participation in life-threatening sports.
Treatment of an illness or injury sustained due to participation in a criminal act.
Cost of tonics or vitamins which are not deemed as necessary as part of the treatment of the injury/illness, as prescribed by the doctor.
Expenses on maternity treatments which are not traceable to the pregnancy, abortion or related complications, miscarriage.
Treatment of genetic disorders and stem cell surgery / implantation.
Acupressure, acupuncture, magnetic therapies.
Any experimental or untested treatments or therapies.
Change of treatment from one medicine system to another, if the same has not been recommended by the treating doctor, hospital from whom / where the treatment is being taken.
Service charges, surcharges, Luxury Tax or any other similar charge imposed by the hospital.
Treatment for Hyperbaric Oxygen Therapy, Age Related Macular Degeneration (ARMD), External Counter Pulsation (ECP), Field Quantum Magnetic Resonance (RFQMR), Enhanced External Counterpulsation (EECP).
FAQs – Frequently Asked Questions:
What is the coverage provided by the Mediclaim Policy?
This policy provides cover towards expenses of hospitalization or domiciliary hospitalization for illnesses or accidental injuries suffered during the term of the policy.
What is the eligible age limit under the Mediclaim policy?
His policy can be availed by individuals between the age of 5 years and 80 years, depending on the policy. If one or both parents are covered under the policy, then children between the ages of 3 months to 5 years will also be covered.
Do I get tax benefits under this policy?
Yes, this policy makes you eligible for tax related benefits.
What is the amount of tax benefits applicable under this policy?
Under this policy, if the policyholder is making premium payments worth Rs 10,000, they are eligible for tax benefits under Section 80C of the Income Tax Act.
Who is eligible for the Group Mediclaim Policy?
The Group Mediclaim policy is open any homogenous institution / association / group or corporate organization which is administered centrally and requires coverage for a minimum of 100 people.
Are there any special benefits of the Group Mediclaim Policy?
This policy comes with a group discount which is applicable depending on the total number of persons injured.
What is the kind of coverage provided by the Overseas Mediclaim Policy?
The Overseas Mediclaim policy covers various kinds of risks such as emergency medical costs, personal accident, loss of passport, loss of checked in baggage, repatriation, delay of checked in baggage and
What is the tenure of the Overseas Mediclaim Policy?
The tenure of the Mediclaim policy will commence from the first day of the policy and will cease on the last day, depending on the days specified in the policy document.
Will the Mediclaim policy provide cover and benefits if the injury or illness has been contracted or sustained accidently either in India or abroad?
The Mediclaim policy will provide cover for illnesses or injuries which have been sustained or contracted in India or abroad, provided that the treatment for the injury or illness is sought in India.
Do I stand to receive benefits if I have to undergo a treatment which does not require me to undergo hospitalization and I am discharged the same day?
For instances where the policyholder does not have to undergo hospitalization and is discharged the same day, for treatments such as dialysis, radiotherapy, chemotherapy, etc., then the same will be taken under the Hospitalization Benefit Scheme.