• New India Mediclaim 2012 Policy

     0.0 / 5.0   by 0 users
    Used this product? Write a review >>

    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    New India Mediclaim 2012 policy has been issued by New India Assurance Co. Ltd which covers the hospitalisation expenses of the insured for any illness and injury in the period of insurance. The policy term is 1 year. There is no age limit set for it renewal. With this health insurance policy you can avail bonus, discounts and tax benefits. Sum assured ranges from Rs.3 lakh to Rs.5 lakh.

    Features & Benefits of New India Mediclaim 2012 policy:

    Entry age Minimum age – 18 years Maximum age – 65 years
    Sum Assured Up to Rs.3 lakh, Rs.3 lakh to Rs.5 lakh and over 5 lakh
    Policy term 1 year
    Age limit for renewal There is no age limit for renewal, the policy has to be renewed within 30 days from the date of expiry.
    Treatments covered Treatment for the following will be covered under this policy:
    • Adenoidectomy
    • Appendectomy
    • Anti-Rabies Vaccination
    • Coronary angiography
    • Coronary angioplasty
    • Dilation and curettage
    • Endoscopic Retrograde Cholangiopancreatography
    • Extracorporeal Shock Wave Lithotripsy
    • Excision of cyst or granuloma or lump
    • Eye surgeries such as:
      1. Cataract surgery
      2. Dacryocystorhinostomy
      3. Corrective surgery for entropion or ectropion
      4. Corrective surgery for blepharoptosis when not congenital or cosmetic
      5. Repair of corneal laceration or wound with conjunctival flap
      6. Excision of lacrimal sac and passage
      7. Pterygium operations
      8. Excision of major lesion of eyelid
      9. Removal of deeply embedded foreign body from lens of the eye
      10. Removal of deeply embedded foreign body from cornea using incision
      11. Lacrimal passage manipulation
      12. Removal of deeply embedded foreign body from posterior chamber of the eye
      13. Excision of involving one fourth or more of lid-margin
      14. Removal of deeply embedded foreign body from conjunctiva using incision
      15. Epicanthus and canthus operations
      16. Post-operative wound dehiscence of cornea repair
      17. Repair of canaliculus and punctum
      18. Treatment for glaucoma, penetrating or non-penetrating surgery
    • Functional Endoscopic Sinus Surgery
    • Fistulectomy
    • Fracture excluding hairline fracture
    • Hydrocelectomy
    • Hemodialysis
    • Hernia repair
    • Lithotripsy
    • Laparoscopic cholecystectomy
    • Liver aspiration
    • Parenteral chemotherapy
    • Mastoidectomy
    • Polypectomy
    • Haemorrhoidectomy
    • Transurethral microwave thermotherapy
    • Transurethral resection of prostate
    • Laser Prostatectomy
    • Transurethral needle ablation
    • Transurethral electro vaporization of the prostate
    • Sclerotherapy
    • Radiotherapy
    • Surgery for sinusitis
    • Septoplasty
    • Tonsillectomy
    • Varicose vein ligation
    Entry load
    • There is no entry load for persons up to the ages of 45.
    • For people from the age of 45-50 years will have Rs.1,000 entry load towards sum assured ranging from Rs.3 lakh to Rs.5 lakh and Rs.2,000 for sum assured over Rs.5 lakh.
    • For people from the age of 51-55 years will have Rs.1,000 entry load towards sum assured up to Rs.3 lakh, Rs.2,000 for sum assured ranging from Rs.3 lakh to Rs.5 lakh and Rs.4,000 for sum assured over Rs.5 lakh.
    • For people from the age of 61-65 years will have Rs.2,000 entry load towards sum assured up to Rs.3 lakh.
    Reimbursement
    • Room rent: Not exceeding 1% of the sum insured per day
    • ICU Expenses: 2% of the sum insured per day
    • Surgeon, anaesthetist, medical practitioner and consultants specialist fees
    • Other medical expenses related to the treatment.
    • Pre-hospitalization medical expenses: Maximum up to 30 days
    • Post-hospitalization medical expenses: Maximum up to 60 days
    Cumulative bonus buffer The cumulative bonus earned in the previous years will be available as cumulative bonus buffer for the current policy.
    Cancellation The policy can be cancelled on the grounds of misrepresentation, fraud, non-disclosure, etc. The premium will be refunded and the rate of premium to be charged is as follows:
    Risk period Rate of premium to be charged
    Up to 1 month 1/4th of the annual rate
    Up to 3 months Half of the annual rate
    Up to 6 months 3/4th of the annual rate
    Exceeding 6 months Full annual rate
    Free look period You can return the policy in within 15 days from the date of receipt of the policy.
    Claim The insurer can settle the claim within 30 days from the receipt of the necessary documents.
    Discount If there has been no claims, you will get the following discounts:
    Particulars Sum insured less than Rs.3 lakh Sum insured more than or equal to Rs.3 lakh
    Less than or equal to 60 years Discount per year 2% Discount per year 3%
    Maximum discount 10% Maximum discount 15%
    Above 60 years Discount per year 3% Discount per year 3%
    Maximum discount 15% Maximum discount 15%
    Tax benefits Payments made towards this policy in any mode other than cash is eligible for deduction from taxable income under section 80D of the Income Tax Act.
    Exclusions
    • Cataract and age related eye ailments
    • Benign ear, nose, throat disorders
    • Benign prostate hypertrophy
    • Hernia of all types
    • Treatment for menorrhagia, myoma and prolapsed uterus
    • Stones in urinary system
    • Piles, fissures and fistula
    • Gastric ulcer
    • Internal and benign tumours, cysts, polyps, breast lumps, etc.
    • Gall bladder stone and stone in bile duct
    • Hydrocele
    • Non infective arthritis
    • Pilonidal sinus, sinusitis and other related disorders
    • Prolapsed inter vertebral disc and spinal diseases not arising from accident
    • Gout and rheumatism
    • Varicose veins and ulcers
    • Skin disorders

    Disclaimer: Please read the terms, conditions and exclusions mentioned in the policy document before taking the policy.

    Find cashless network hospitals nearby: New India Assurance Network Hospitals

    Other Health Insurance Plans from New India Assurance:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    New India Mediclaim 2012 Policy Reviews

  • Page 1 of 14 1 2 3 4 5
    • New India Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I got the Health insurance policy from the NEW INDIA ASSURANCE company around 4 years. I have paid Rs,4500 to get this policy this year. This policy covers only one member that is myself.The customer support service and the response is good with the national insurance. I haven't got any kind of claim experience with this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on May 31, 2018
    • New India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with New India Assurance from last 7 years and it is a family health coverage. My claim experience was very good with this insurance policy and it is covered up to Rs 5 lakhs for this insurance. I pay a premium of Rs 21000 for this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 29, 2018
    • New India Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with the New India Insurance. I pay a premium of 25000 per year for a coverage of 7 lacs for my wife and me. I do have a claim experience with the policy. They easily settled the claim for 25000 with out any questions asked.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 22, 2018
    • New India Health Insurance
      "EXCELENT"
      0.5 5.0/5 "Blown Away!"
      I am holding my health insurance from the NEW INDIA my over all experience with the NEW INDIA is good and also easy to have health insurance. I had no claim experience so far from my insurance. Payment for my insurance is through cheque that too once in a year apart from that the customer service id good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 20, 2018
    • New India Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance from NEW INDIA ASSURANCE and there is no claim experience. The policy only gives coverage for 4 lakhs and its a individual policy. Even though its a corporate policy i have not done any claim.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • New India Health Insurance
      "ICICI Lombard health insurance"
      0.5 3.0/5 "Satisfactory"
      I hold a health insurance from ICICI Lombard.As this policy is provided from my company insurance they provide a coverage of 3 lakhs. Till now there is no claim experience. The provide cashless facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2018
    • New India Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance with the New India Asurance. I do have a claim expereince with the policy. I pay a premium of 22000 per year for a coverage of 6 lacs. If you have pre-approval it is okay, otherwise the claim process is difficult. We have to struggle a lot to get the service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 15, 2018
    • New India Health Insurance
      "New India Health insurance "
      0.5 3.0/5 "Satisfactory"
      I hold a health insurance with NEW INDIA ASSURANCE. This was a corporate insurance having a policy coverage for 12 lakhs.There is no claim experience for the policy. They provide both cashless and reimbursement facility.
      Was this review helpful? 0
      , nagpur
      Reviewed on May 14, 2018
    • New India Health Insurance
      "Health insurance with New India assurance"
      0.5 4.0/5 "Great!"
      I have a health insurance with New India assurance. Its a corporate insurance were the policy coverage is 1.5 lakhs. There is no claim experience regarding any heath related issues. The provide cashless facility.
      Was this review helpful? 0
      , kakinada
      Reviewed on May 12, 2018
    • New India Health Insurance
      "Great experience | Cashless claim for my mother"
      0.5 4.0/5 "Great!"
      My mother was admitted to Deenanath last month and I had parents medical insurance policy under which I got her treated. the primary approval was provided within a day! Further I was kept informed on day to day basis! Great service by New India and eMeditek !! thanks!
      Was this review helpful? 0
      , pune
      Reviewed on May 11, 2018
    • New India Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold the health insurance policy from the NEW INDIA ASSURANCE company for the past 8 years which is provided by the corporate. the benefits are good with this policy. this policy covers 4 members in the family. I have got the the medical coverage up to Rs,6,00,000.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 09, 2018
    • New India Health Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      From New India Assurance i have taken a health insurance and the total policy coverage is for 2 lakhs. There is no health check up available for the policy. Till now there is no claim experience for health.They have both the facilities.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 09, 2018
    • New India Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      My health insurance is with NEW INDIA,and it is for long term policy. The tenuity period of my insurance is 21 years.When it comes to the due i pay my due once a year through online and sometimes i pay it directly through cash.I have not yet claimed the insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on May 06, 2018
    • New India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have no claim experience so far with the health insurance, i am using this insurance from last 1-2 years and i am not aware of the premium amount as my company pays it. The coverage value of this insurance policy is 3-4 lakhs and i am satisfied with it.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 18, 2018
    • New India Health Insurance
      "good experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a health insurance policy from the NEW INDIA ASSURANCE. I had received health card. My annual premium is Rs. 12,000/- which is very reasonable by comparing with other insurance polices. They had a good network with top most corporate hospitals.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2018
    • New India Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      My health is insured with New India Assurance from last 5 years and i am happy with the services provided by this insurance. I have to pay a premium of Rs 7000 which has to be paid every year for this insurance. I have a coverage value of Rs 3 lakhs and i did not claim anything so far with this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 09, 2018
    • New India Health Insurance
      "Good policy for Health"
      0.5 5.0/5 "Blown Away!"
      From NEW INDIA ASSURANCE i have taken a health insurance. The premium is 3000 for an year. They provide full coverage if we do claim.The claim experience was good.They provide cashless and reimbursement,facility. The customer service and response was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2018
    • New India Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have taken a Health Insurance service from New India Assurance. Recently I claim the service from New India Assurance it was a good process and simple procedures. The documentation process was very simple. The payments are made through cheques. It was a good experience with New India Assurance Health Insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2018
    • New India Health Insurance
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      It has been a good experience with New Assurance and the process was easy to get my heath insurance. The medical coverage is for three lakhs for me and easy of my family members, my spouse and child too. The premium is of 7800 per year. There are good benefits.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 10, 2018
    • New India Health Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I have taken my health insurance from New India Assurance. The services and response was good and it was easy to buy this policy from them. The premium is for 11800 on a yearly basis. The medical coverage is for three lakhs and there is a cashless hospitalization as well.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 10, 2018
    Common Loader Icon
    Page 1 of 14 1 2 3 4 5
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.