You need health cover regardless of what you take two at a time - pills or stairs.
  • New India Assurance Health Insurance

    New India Health Insurance
     4.5 / 5.0   by 189 users
    Used this product? Write a review >>

    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    New India Assurance Co Ltd, is a 100 % Government owned multinational general insurance company operating in 22 countries and headquartered at Mumbai, India. Founded by Sir Dorabji Tata in 1919. New India Assurance is the only direct insurer in India rated A-(Excellent ? Stable outlook) by AM Best. New India Assurance?s Indian business touched Rs 10,000 crores (Rs 100 billion) in 2012-13.


    New India Health Insurance at a Glance

    01
    02
    03
    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 6 family members with up to 2 adults and 4 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 30 days before your hospitalization and 60 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    Reimbursement of the cost of Medical check-up at the end of a block of every three Renewal years, if there are no claims reported during the block.

    * For a family health cover product.

    Critical Factors of the Plan

    01
    02
    03
    04
    Not a paisa goes from your own pocket!

    Co-Pay

    An additional co-payment of 10% of admissible claim would be required in case claim arises out of a pre-existing disease

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 4 year

    Hospital room rent determines your treatment bill

    Room Rent

    Payment of RoomRent, boarding and nursing expenses incurred at the Hospitalshall not exceed 1% of the Sum Insured per day.

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of New India Health Insurance

    01
    02
    Good health offers multiple rewards

    Our liability for payment of any claim relating to Cataract shallnot exceed 20% of the aggregate of Sum Insuredand Cumulative Bonus Buffer

    The world is your healthcare oyster

    Cashless facility is available only at our network hospitals

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    Overview

    A wholly-owned subsidiary of the Indian government, New India Assurance Health Insurance Co. Ltd. is a multinational insurance provider, founded in the year 1919. Headquartered in Mumbai, this public-sector insurer has a strong domestic and international presence. It is a leader in the non-life insurance sector and is credited with being the only direct insurer in India.


    New India Assurance has developed over 160 products that deals with the whole gamut of general assurance lines. It has and continues to provide coverage to customers in the following sectors: Large industries, Small and Medium Enterprises, Commercial, Retail, Social, Rural and Micro Insurance.


    Its distribution network comprises of bancassurance partners, auto majors, non-governmental organisations, corporations, brokers and the government. It has over 2,097 offices and 1,041 micro offices in India.


    On the international front, it conducts business in about 22 countries through different channels viz. subsidiaries, agencies, direct branches and associated corporates.


    The company was the most profitable general insurer during the year 2012 - 2013 in India. Its ‘AAA/Stable’ rating by CRISIL further supports the company’s financial solubility and ability to fulfill its customers’ claims. Its financial position is backed by a healthy and effective technology platform. Its grievance resolution system coordinates with that of the IRD; proof of its commitment to quality customer service.


    In addition to successfully managing its own operations, New India Assurance is also one of the promoters of two other financial services houses viz. Agriculture Insurance Co. of India and GIC Housing Finance Ltd.


    The company has fashioned a range of health assurance policies to ensure economical access to healthcare for individuals and their families.

    • New India Floater Mediclaim Policy
    • New India Asha Kiran Policy
    • Mediclaim 2012 Policy
    • Mediclaim 2007 Policy
    • Family Floater Mediclaim Policy
    • Janata Mediclaim Policy
    • Senior Citizen Mediclaim Policy
    • Union Health Care Policy
    • Top Up Mediclaim Plan

    Why Compare New India Health Insurance Plans on BankBazaar?

    New India Floater Mediclaim Policy

    Eligibility

    • Entry Age: 18 years to 65 years; 3 months to 25 years for children, if at least one parent is also covered under this plan (children can be dependents beyond 25 years if not mentally sound or if the child is an unmarried daughter).
    • Renewability: Lifetime.
    • Medical Screening: Required for persons above 50 years (50% of screening costs are reimbursed if the proposer subsequently becomes a client).

    Coverage

    • Inpatient hospitalisation expenses: Up to sum assured subject to sub-limits; does not cover outpatient treatment and treatment outside India.
    • Newborn Cover: In-built; waiting period for mother - 2 years, coverage from birth till end of policy; excludes post-natal care, early delivery/delivery expenses.
    • Room and Nursing charges: Up to 1% of sum assured, for each day of hospital stay; includes charges for RMO, IV Fluids, Blood Transfusion etc.; excludes material costs.
    • ICU charges: Up to 2% of sum assured, for each day of hospital stay.
    • Charges for: Surgeons, Anaesthetists, Doctors, Consultants, Specialists, Blood, Oxygen, Anaesthesia, Radio/Chemotherapy, Medicines, Drugs, X-Rays, Surgical Equipment, Diagnostic Equipment, Prosthetic limbs and devices, Pacemakers and other similar expenses incurred as part of treatment.
    • Organ donor hospitalisation expenses; excludes amounts paid for the organ.
    • Cataract treatment per eye: Lower of 10% of sum assured or Rs.50,000.
    • Daily cash allowance: 0.1% of sum assured for each day of hospital stay.
    • 11 specified critical illnesses: 10% of sum assured; one-time additional lumpsum payout; excludes pre-existing critical conditions.
    • Congenital diseases (not pre-existing) subject to waiting periods as specified for internal/external issues.
    • Specified day care procedures.
    • Ambulance charges: Lower of actuals or 1% of sum assured.
    • Ayurvedic/Homeopathic/Unani treatment: 25% of sum assured for treatment at a government approved centre.
    • Pre and post-hospitalisation expenses: Up to 30 days each.

    Sum Assured

    • Rs.2 lakhs, Rs.3 lakhs, Rs.5 lakhs or Rs. Rs.8 lakhs; once chosen can be increased upon renewal to the next higher limit, subject to conditions.
    • Basis: Family Floater i.e. the sum assured will apply to all insured members (minimum 2 members and maximum 6 members; includes proposer, spouse, dependent children, dependent parents up till 60 years).
    • Payout per illness: Up to 1% of the sum assured.

    Premiums

    • Primary member - Rs.1,860 to Rs.38,550; Additional members - Rs.250 to Rs.25,040.
    • Depends on age of member, chosen sum assured and location.
    • Calculations are based on the age of the oldest insured member.
    • Premium loading upon renewal for members over 65 years: 2% every year.

    Policy Period

    • 1 year.

    Benefits

    • Cashless claim facility.

    New India Asha Kiran Policy

    A unique health insurance plan aimed at promoting healthcare for girls. This policy can be taken by those parents who have only daughters for children.

    Eligibility

    • Entry Age: 18 to 65 years; 3 months to 25 years for daughters who are children, if at least one parent is covered under this plan. (The child can be considered to be a dependent beyond 25 years if she is unmarried or mentally unsound).
    • Renewability: Lifetime.
    • Medical Screening: Required for persons above 50 years (50% of screening costs are reimbursed if the proposer subsequently becomes a client).

    Coverage

    • Hospitalisation expenses plus Accident cover for the customer and his/her spouse.
    • Excludes outpatient treatment.
    • Inpatient hospitalisation expenses: Up to sum assured or within specified limits; does not cover outpatient treatment and treatment outside India.
    • Personal Accident Cover: Inbuilt cover; compensation to proposer and/or spouse between 50% to 200% of the sum assured, for accidental death or total permanent dismemberment or loss of one or both limbs and/or loss of sight in one or both eyes.
    • Room and Nursing charges: Up to 1% of sum assured, for each day of hospital stay; includes charges for RMO, IV Fluids, Blood Transfusion etc.; excludes material costs.
    • ICU charges: Up to 2% of sum assured, for each day of hospital stay.
    • Charges for: Surgeons, Anaesthetists, Doctors, Consultants, Specialists, Blood, Oxygen, Anaesthesia, Radio/Chemotherapy, Medicines, Drugs, X-Rays, Surgical Equipment, Diagnostic Equipment, Prosthetic limbs and devices, Pacemakers and other similar expenses incurred as part of treatment.
    • Organ donor hospitalisation expenses; excludes amounts paid for the organ.
    • Cataract treatment per eye: Lower of 10% of sum assured or Rs.50,000.
    • Daily cash allowance: 0.1% of sum assured, for each day of hospital stay.
    • 11 specified critical illnesses: 10% of sum assured, one-time additional lumpsum payout; excludes pre-existing critical conditions.
    • Congenital diseases (not pre-existing) subject to waiting periods as specified for internal/external issues.
    • Specified Day care Procedures.
    • Ambulance charges: Lower of actuals or 1% of sum assured.
    • Ayurvedic/Homeopathic/Unani treatment: 25% of sum assured for treatment at a government approved centre.
    • Pre and post-hospitalisation expenses: Up to 30 days/60 days respectively.

    Sum Assured

    • Rs.2 lakhs, Rs.3 lakhs, Rs.5 lakhs or Rs. Rs.8 lakhs; once chosen can be increased upon renewal to the next higher limit, subject to conditions.
    • Basis: Family Floater Basis (Family includes proposer, spouse and up to 2 dependent daughters)
    • Payout per illness: Up to 1% of the sum assured.

    Premiums

    • Primary - Rs.1,860 to Rs.38,550; Additional members - Rs.250 to Rs.25,040
    • Premium for covered daughters are 50% lower than that of additional members.
    • Depends on age of member, chosen sum assured and location.
    • Calculations are based on the age of the oldest insured member.
    • Premium loading upon renewal for members over 65 years: 2% every year.

    Policy Period

    • 1 year.

    Benefits

    • Cashless facility.

    Top-Up Mediclaim Plan:

    A standard health insurance policy from the country’s leading general insurance company in India which aims to provide salient hospitalization benefits to the insured member(s). Available for individuals as well as up to 6 members of the family, the proposer can enrol immediate family members aged between 3 months to 65 years.

    This policy will cover in-patient hospitalization expenses for members seeking medical treatment in India only and does not cover pre and post hospitalization expenses. The proposer can choose from various coverage types on the basis of the sum insured, ranging from Rs.5 lacs to Rs.22 lacs. Pre-acceptance health check-up is mandatory for persons above the age of 50 or with a pre-existing adverse medical history. The following aspects of hospitalization are covered under this policy.

    • Room rent, boarding and nursing expenses
    • ICU/ICCU expenses as per the threshold
    • Fees of medical practitioners, surgeons, consultants and other medicos involved
    • Other related expenses such as operation theatre, surgicals, blood, oxygen and others
    • Get well benefit of a certain amount on the basis of the threshold amount chosen
    • Ambulance services with an upper limit based on the threshold amount chosen
    • Hospital cash for management of miscellaneous expenses during the treatment.
    • AYUSH treatments taken at government or accredited hospitals.

    Claim settlement options consist of both cashless and reimbursement, depending on the circumstances and availability.   

    Mediclaim 2012 Policy

    Eligibility

    • Entry Age: 18 years to 65 years; 3 months to 25 years for children, if at least one parent is covered under this plan.
    • Renewability: Lifetime.

    Coverage

    • Inpatient hospitalisation expenses; hospital stay should exceed 24 hours (except in case of specified day care procedures).
    • Pre/Post hospitalisation expenses: Up to 30/60 days respectively.

    Sum Assured

    • Rs.1 lakh to Rs.8 lakhs; capped at Rs.3 lakhs for those above 55 years.
    • Can be enhanced upon renewal, at company’s discretion, for insured members up to 65 years.
    • Sum assured can be enhanced once when migrating from Mediclaim 2007 to Mediclaim 2012.
    • Basis: Individual and Family Floater (Family includes proposer, his/her spouse, children and parents).

    Premiums

    • Family discount:
      • 10% for plans taken on an individual basis.
      • 11% - 18% for plans taken on family floater basis, minimum two and maximum four additional members.
    • No-claim bonus: Awarded upon renewal, after every claim-free year:
      • 2% - 15% for insured members up to 60 years.
      • 3% - 15% for insured members above 60 years.

    Policy Period

    • 1 year.

    Mediclaim 2007 Policy

    Eligibility

    • Entry Age: 18 years to 60 years; 3 months to 18 years for children, if parents are also covered under this plan.

    Coverage

    • Inpatient hospitalisation expenses (expenses incurred for treatment including cost of consumables, equipment, rooms and medical personnel services); hospital stay should be for a period exceeding 24 hours.
    • Pre and Post-hospitalisation expenses: Up to 30 days and 60 days respectively.
    • Day care procedures as specified.
    • Ambulance charges within limits.
    • Ayurvedic/Homeopathic and Unani treatment: Up to 25% of sum assured for treatment taken at a government approved centre.
    • Pre-existing conditions, subject to a 4 year, claim-free waiting period; 2 years for certain conditions upon payment of additional premium.

    Premiums

    • Charged depending on the proposer’s age and location.

    Benefits

    • Loyalty discounts.
    • Good Health discounts.
    • Reimbursement of health check expenses

    Family Floater Mediclaim Policy

    Eligibility:

    • Entry Age: 18 years to 60 years.

    Coverage

    • Inpatient hospitalisation expenses; stay should exceed 24 hours.
      • Includes charges for room, nurses, doctors and other medical personnel involved in the treatment of the insured, OT, blood, medicines and all other consumable and equipment required for treatment.
    • Pre and Post hospitalisation expenses: Up to 30 and 60 days respectively.
    • Day Care procedures.
    • Cataract surgery within limits.
    • Ambulance charges within limits.
    • Ayurvedic/Homeopathic/Unani treatment: Up to 25% of the sum assured for treatment at a government recognised centre.
    • pre-existing conditions subject to a 4 year waiting period (can be reduced to 2 years for certain conditions on payment of additional premium).

    Sum Assured

    • Rs.2 lakhs to Rs.5 lakhs
    • Basis:Family floater (Family includes the proposer, hi/her spouse and up to 2 dependent children; excludes parents, in-laws and siblings).

    Premiums

    • As per schedule of the Mediclaim Policy 2007 (individual).
    • Calculated based on the oldest insured member.
    • Based on age, chosen sum assured and location.
    • Loading: 50% for spouse; 25% for each child.

    Benefits

    • Loyalty discounts.
    • Good health discounts.

    Janata Mediclaim Policy

    Eligibility

    • Entry Age: 18 years to 60 years; 3 months to 18 years for children, if parents are also covered under this policy.

    Coverage

    • Inpatient hospitalisation expenses, includes -
      • Treatment in the general ward: Up to Rs.450 for each day of hospital stay. ICU/ICCU charges.
      • Charges for consumables,equipment, rooms and medical personnel necessary for treatment: within the limits specified, subject to an overall limit equal to the sum assured; depends on the type of illness.
      • Pre and Post-hospitalisation expenses: 30 days and 60 days respectively.
      • Ayurvedic/Homeopathic/Unani treatment: Up to 25% of the sum assured for treatment at a government recognised centre.
      • Ambulance charges: Lower of actuals or Rs.1,000.
      • Donor hospitalisation costs.

    Sum Assured

    • Rs.50,000 or R.75,000
    • No-claim bonus: Increase in 5% for every claim-free year; awarded upon renewal; maximum increase of 30%.

    Premium

    • Rs.750 to Rs.3,450
    • Depends on the chosen sum assured and age.
    • Premium discounts can be availed for covering additional members on family floater basis, subject to conditions.

    Benefits

    • Loyalty discounts.
    • Good Health discounts.
    • Reimbursement of health check expenses.

    Senior Citizen Mediclaim Policy

    Eligibility

    • Entry Age: Persons between 60 years and 80 years.
    • Renewability: Up to 90 years.
    • Medical Screening: Required for all entrants.

    Coverage

    • Inpatient hospitalisation expenses, minimum 24 hours:
      • Room expenses: Up to 1% of sum assured for each day of hospital stay (overall limit - 25% of sum assured).
      • ICU charges: Up to 2% of sum assured for each day of hospital stay (overall limit - 25% of sum assured).
      • Surgeon, Anaesthetist, Doctor, Consultants, Specialists, Nurses: Overall limit - 25% of sum assured.
      • Anaesthesia, Blood, Oxygen, OT costs, Surgical equipment, Medicines, Drugs, Diagnostic equipment, X-Rays, Dialysis, Chemo/radiotherapy, Pacemaker, Prosthetic limbs, Stents, Implants: Up to 50% of sum assured.
      • Pre-hospitalisation expenses: Up to 30 days; Lower of actuals or 5% of hospital bill.
      • Post-hospitalisation expenses: Up to 60 days; Lower of actuals or 10% of hospital bill.
      • Ayurvedic/Homeopathic/Unani treatments: Up to 25% of sum assured at government approved centres only.
      • Ambulance charges: Up to Rs.1,000.
      • Donor hospitalisation expenses.

    Sum Assured

    • Rs.1 lakh or Rs.1.5 lakhs
    • No-claim/ Cumulative bonus: Increase in 5% for every claim-free year; awarded upon renewal; maximum increase of 30%.
    • Co-payment: Lower of sum assured or 90% of claim.

    Premiums

    • Rs.3,850 to Rs.7,650; depends on chosen sum assured and age.
    • Loading: 10% to 20%; depends on age.
    • 10% additional premium to include pre-existing conditions as part of the base cover.
    • Voluntary deductible: 10% for Rs.10,000.
    • Family discount: 10%.

    Policy Period

    • 1 year.

    Benefits

    • Cashless claim facilities.
    • Reimbursement of health check costs undertaken after every 4 claim-free years: Up to 1% of the sum assured.

    Union Health Care Policy

    Eligibility

    • Entry Age: 3 years to 65 years; 3 months to 5 years for children, if at least one parent is covered under this plan.

    Coverage

    • Hospitalisation expenses: reimbursed within limits, subject to the sum assured for illness or injuries requiring hospital stay (except those specifically excluded from coverage).
    • Pre and Post-hospitalisation expenses up to 30 and 60 days respectively. Personal Accident Cover: Rs1 lakh; in-built feature.

    New India Health Insurance FAQs

    1. What is the maximum coverage amount available for Cataract treatment under the New India Floater Mediclaim policy?
    2. The maximum coverage amount allocated for Cataract treatment under the New India Floater Mediclaim policy is Rs. 50,000.


    3. Does the New India Asha Kiran policy provide cashless treatment?
    4. Yes, the New India Asha Kiran policy offers the cashless facility.


    5. What is covered under the Mediclaim Policy?
    6. The Mediclaim Policy covers the following areas -

      • Illness and diseases resulting in hospitalization
      • Accidental injuries requiring treatment at a hospital

    7. What is the eligible age to avail a New India Health Insurance Mediclaim Policy?
    8. Mediclaim Insurance policy is available to persons between ages of 5 years to 80 years. Mediclaim Insurance policy is also available for children between 3 months and 5 years of age under the condition that either one or both of the parents of the child are already covered by the policy.


    9. What is the tax benefit that can be availed under a Mediclaim Policy?
    10. Premium up to Rs.10000 paid on a Mediclaim Policy is exempt from tax. Section 80 D of the Income Tax Act. It qualifies premium paid on insurance as a tax benefit?


    11. Which groups are eligible for the Group Mediclaim Policy?
    12. Group Mediclaim Policy can be availed by a group of persons under a central administration. It can be applied for by any organisation that consists of at least a 100 members who are looking to be covered by the Group Mediclaim Policy. This policy is not limited to and is not limited to an association, a corporate entity, and an educational institution.


    13. Are there insurance policies that cover cancer patients?
    14. Yes, there are insurance policies that cover for cancer patients. They are as follows -

      • Cancer Medical Expense Policy is available for the members of the Indian Cancer Society
      • Cancer Insurance Policy can be availed by the members of the Cancer Patients Aid Association

    15. Does the Mediclaim policy cover expenses in case of illnesses and injuries through accident incurred outside of India?
    16. Yes, Mediclaim policy covers expenses for diseases and injuries contracted worldwide as long as the treatment is obtained in India.


    17. Can the spouse or any other family member of the holder of the Mediclaim policy avail protection while being covered by another Mediclaim Policy?
    18. No, the spouse or any other family member of the holder of the Mediclaim policy cannot avail protection if they are being covered by another Mediclaim Policy.


    19. What is the definition of continuous treatment according to the Mediclaim Policy?
    20. An illness that occurs after a lapse of 45 days from the last date of medical consultation is treated as a new illness. Within the stipulated period of 45 days since the last date of medical attention, any illness relapsing or reappearing is treated with medical attention consistent with continuous treatment.


    Examples of Network Hospitals in Major Cities

    CITY NAME OF HOSPITAL
    DELHI AAROGYA HOSPITAL
    MUMBAI BOMBAY HOSPITAL AND MEDICAL RESEARCH CENTRE
    KOLKATA AUROBINDO NETRALAYA
    BANGALORE ABHAYA HOSPITAL
    CHENNAI A. V. HOSPITALS

    *Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.


    News About New India Health Insurance

    • New India Assurance targets a global premium of Rs. 20,800 crore

      New India Assurance, one of India’s largest insurance company is aiming to achieve a global premium target of Rs. 20,800 crore, for the current fiscal year. New India Assurance has seen a global premium growth of 14.46%, amounting to Rs. 18,371 crore for 2015-2016. Foreign operations have risen by 15.10% for the same period. The company has also seen an increase in its market share for the third consecutive year. An investment income of Rs. 3900 crore was recorded by New India Assurance for the previous fiscal year, with the net worth of the company being at Rs. 28,845 crore. With the insurer planning to go public, the board has recently approved the IPO plan and is awaiting the Government's sanction. For the current fiscal year, New India Assurance will be launching two health insurance products, namely, a critical care product and another for high net worth individuals.

      16th April 2016

    • New India Assurance Company’s Plans to Grow in Health Insurance Industry

      NIACL (New India Assurance Company Limited) has plans to improve its focus on the health insurance industry. The managing director and chairman of NIACL released the floater mediclaim product after which he explained how health insurance aided the growth of the company, providing 28% of the company’s overall premium. Health premium income of around Rs.3,500 crore is expected to be collected by the end of fiscal year 2016-17. The health insurance provider also has plans to release top-up health products in the months to come.

      13th April 2016

    • New India Assurance plans expansion into the Asia, Africa and North America markets

      The biggest non-life insurer in India, New India Assurance (NIA) plans expansion into the Asia, Africa and North America markets. NIA is already present in a number of countries abroad like Mauritius, Myanmar and Nigeria. They hope to soon set up offices in Qatar as well.

      In Africa, they plan to primarily in motor and property insurance. They are growing in sectors of oil expansion and they are looking at those sectors for insurance. In Kenya and Tanzania NIA operates as an associate company, NIA gets 18% of its business from its international markets, they are expecting their market share to go up to about 25% by 2020.

      29th September 2015

    • MoU signed between New India Assurance Company & Rajasthan Government to promote health insurance in Rajasthan

      Recently, the government of Rajasthan signed a memorandum of understanding with the New India Assurance Company to popularize health insurance among the poor section of people in Rajasthan. The MoU was signed to materialize the Bhamashah Health Insurance Scheme which is particularly designed to meet the needs of poor people. The new scheme will help patients belonging to the poor category avail quality healthcare at private hospitals, which is otherwise beyond their reach. This new health insurance scheme will be implemented in the whole state in from December onward. It is expected that the new scheme would cover 1,718 illnesses and provide a cover of Rs. 30,000 for general illness and Rs.3, 00,000 lakh.

      7th September 2015

    • New India Assurance Health Insurance now available in GCC countries

      India’s public sector general insurer, New India Assurance has launched its health insurance products for individual and families in Gulf countries. The products, which are compliant with Dubai Health Authority (DHA) guidelines, will offer treatment in UAE, with an additional option of travel reimbursement for in-patient treatment at home country. Gold Plus, Diamond Plus and Euromed Silver Plus are the various packages being offered in GCC that cover pre-existing diseases, maternity cover and dental treatment cover. Last year, the company earned AED 285 million in UAE out of which AED 203 million was in Dubai alone. Price is an attractive feature of the health insurance product, said the company especially when DHA has made insurance mandatory, in a phased anner. The company operates five branches in GCC countries.

      27th May 2015

    • New India Assurance launched Cheapest Top-up Health Cover

      New India Assurance (NIA) proves why it is the largest health insurance company with the cheapest health insurance cover for top-up policies. The top-up health insurance covers up to Rs 15 lakh to Rs 20 lakh and just costs you Rs 3,500 a year for applicants up to the age of 44 years. Anybody with an existing basic mediclaim policy or even first time buyers who can shell up to Rs 5 lakh for any hospital costs on their own can buy the top-up policy.


      Top-up health insurance are not a novelty but the New India Assurance top-up health insurance could surely change the way people buy health insurance in India. The top-up policy is 25% cheaper than any existing top-up health insurance.


      The only condition is that you cannot claim more than Rs 5,000 per day as room rent if you have an Rs 5-lakh insurance trigger and Rs 8,000 for an Rs 8-lakh threshold. The policy also covers all critical illnesses but experts say having an exclusive but at least a small critical illness cover will take care of all your non-hospitalisation charges.


      The top-up health insurance will be triggered and the benefits will be applicable the moment the trigger amount is breached and covers all costs. In short, if you have had a nose job for 5 lacs, you can still use the top-up policy for any mediclaim. The top-up also covers your family where the sum insured is shared among all members of a family.

      3rd December 2014

  • reTH65gcmBgCJ7k - pingdom check string.
  • reTH65gcmBgCJ7k - pingdom check string.
    This Page is BLOCKED as it is using Iframes.