New India Assurance Health Insurance

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.

Types of Health Insurance Policies Provided by New India Assurance:

Policies forming a part of the company’s health insurance plans portfolio are listed below:

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

New India Assurance Co. Ltd is a fully government owned general insurance company. It is headquartered in Mumbai and operates in 28 countries. In FY2014-15, the company had the highest profit in the Indian general insurance market. Currently, the company has 2,097 offices and 50,000 agents to serve its customers.

New India Assurance offers mediclaim policies for individuals and groups. The mediclaim policy covers hospitalisation and domiciliary hospitalisation expenses incurred during the policy term. Individuals between 5 and 80 years of age can avail mediclaim policy. The insurer also offers policies for cancer patients such as Cancer Medical Expense Policy for the members of Indian Cancer Society and Cancer Insurance Policy for the members of Cancer Patients Aid Association.

The insurer also offers an overseas mediclaim policy that covers personal accident, loss of passport, loss of baggage, repatriation, and medical expenses.

New India Floater Mediclaim Policy:

New India Floater Mediclaim Policy is a new health insurance plan offered by New India for providing health insurance coverage to your entire family under one sum assured.

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
Basis	Family Floater
Policy Period	1 year
Renewability	Lifetime
Medical Screening	Required for persons above 50 years (50% of screening costs are reimbursed if the proposer subsequently becomes a client).
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.
Day care procedures	Specified day care procedures are covered
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.
Payout per illness	Up to 1% of the sum assured.
Primary member	Rs.1,860 to Rs.38,550; Additional members – Rs.250 to Rs.25,040.
Premium loading upon renewal for members over 65 years	2% every year.

New India Asha Kiran Policy:

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

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.
Basis	Family Floater Basis (Family includes proposer, spouse and up to 2 dependent daughters)
Renewability	Lifetime.
Medical Screening	Required for persons above 50 years (50% of screening costs are reimbursed if the proposer subsequently becomes a client).
Hospitalisation expenses plus Accident cover	For the customer and his/her spouse.
Exclusion	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.
Day care procedures	Specified day care procedures are covered
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.
Payout per illness	Payout per illness
Primary premium	Rs.1,860 to Rs.38,550; Additional members – Rs.250 to Rs.25,040
Premium loading upon renewal for members over 65 years	2% every year.
Policy Period	1 year

New India Assurance Mediclaim Top Up Plan:

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.

Basis	Individual/Family floater(6 members)
Primary Insured	The proposer need not be considered as the primary member – eldest family member will be considered the primary member and the others are considered as additional members under the New India Top-Up Mediclaim Policy.
Policy Period	This policy is valid for 12 months from the date of inception.
Medical Screening	Required for persons above 50 years
Pre-acceptance health check-ups	If an individual who is more than 50 years owns a health insurance policy from New India Insurance and has had no claims registered in the past 2 years, the pre-acceptance health check-ups are not required.
Expenses Covered	Room rent, boarding and nursing expenses, Fees of medical practitioners, surgeons, consultants and other medicos, operation theatre, surgicals, blood, oxygen
ICU/ICCU expenses	As per the threshold
Ambulance services	Based on the threshold amount chosen
AYUSH treatments	Taken at government or accredited hospitals.
Get Well Benefit	This benefit is paid out of a certain amount on the basis of the threshold amount chosen
Claim settlement	Supports both cashless and reimbursement, depending on the circumstances and availability

New India Mediclaim 2012 Policy:

This New India mediclaim 2012 policy 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 policy you can avail bonus, discounts and tax benefits. Sum assured ranges from Rs.3 lakh to Rs.5 lakh.

Entry Age	18 years to 65 years; 3 months to 25 years for children, if at least one parent is covered under this plan.
Policy Period	1 year.
Renewability	Lifetime
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	Up to Rs.3 lakh, Rs.3 lakh to Rs.5 lakh and over 5 lakh
Benefits	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.
Family Discounted Premiums	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	2% – 15% for insured members up to 60 years. 3% – 15% for insured members above 60 years.

New India Mediclaim 2007 Policy:

Entry Age	18 years to 60 years; 3 months to 18 years for children, if parents are also covered under this plan.
Inpatient hospitalisation expenses	Yes, Covered if 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	Specified day care procedures covered
Ambulance charges	Limitedly allowed
Ayurvedic/Homeopathic and Unani treatment	Up to 25% of sum assured for treatment taken at a government approved centre.
Pre-existing condition	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

New India Family Floater Mediclaim Policy:

Entry Age	18 years to 60 years.
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.
Inpatient hospitalisation expenses	Stay should exceed 24 hours.
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	Specified day care procedures covered
Ambulance charges	Limitedly allowed
Cataract surgery	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.

New India Assurance Janata Mediclaim Policy:

New India Assurance Janata Mediclaim policy is perfect for those who want to provide insurance coverage for all the members of their family during the tenure of the policy. The policy covers self, spouse and a maximum of two dependent children.

Entry Age	18 years to 60 years; 3 months to 18 years for children, if parents are also covered under this policy.
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	Availed for covering additional members on family floater basis, subject to conditions.
Benefits	Loyalty discounts. Good Health discounts. Reimbursement of health check expenses.

New India Assurance Senior Citizen Mediclaim Policy:

The New India Senior Citizen Mediclaim Policy is one of the many products offered by the New India Assurance Company Limited to provide coverage to senior citizens in times of trouble. It offers cover for pre-existing conditions such as diabetes mellitus and hypertension for an extra 10% premium payment.

Entry Age	Persons between 60 years and 80 years.
Renewability	Up to 90 years.
Medical Screening	Required for all entrants.
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(10% additional premium to include pre-existing conditions as part of the base cover. )
Loading	10% to 20%; depends on age.
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:

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

Dos and Don’ts of New India Assurance Health Insurance:

Listed below are the dos and don’ts when purchasing a new policy, renewing an existing policy, change in policy schedule, making claims, and grievance:

Process	Dos	Don’ts
New policy	Disclose details of any and all pre-existing conditions of the insured members. Submit stamp-size photographs of the insured members along with their signatures. Keep a copy of the proposal form with you. Health checkup may be required depending on the age of the insured members. Check the name, age, gender, address, and other personal details in the policy schedule. Ensure the period of insurance is correct. Cancel the policy within the 15-day free-look period if you object to the terms of coverage.	Don’t furnish any false information on the proposal form. Don’t sign the proposal form without reading the terms and conditions. Don’t hide facts or pre-existing conditions of the insured member.
Renewal	Keep track of your policy renewal date. Renew the policy before the due date. Pay the renewal premium within the grace period. Read the sum insured enhancement condition carefully before requesting for enhancement of sum insured. Health checkup may be required. Inform the underwriter of any change in risk profile of the insured members. Read the policy clauses carefully. It is available on the insurer’s website.	Don’t delay in policy renewal even by a day or else claim will be not be payable. Don’t forget to renew the policy on time as lifetime renewability is applicable only if the policy is renewed without any break.
Change in policy	Submit a written request for any change required in the policy schedule. Keep a copy of the letter. Collect the endorsement document issued from the office.	Don’t delay in informing the underwriter about any change in the risk profile of any insured member.
Claims	Ensure the room rent is within the sub-limit of your policy. Read the policy document carefully for details like pre-existing conditions that aren’t covered, waiting period, etc. Intimate the TPA within the given time limit of 48 hours prior to planned hospitalisation and within 48 hours of emergency hospitalisation. Ensure the hospital falls under network hospitals of the insurer for cashless hospitalisation. Disclose your insurance details at the time of admission. Read the pre-authorisation request form carefully before signing it. Keep a copy of all the medical documents.	Don’t delay the submission of the documents required by the TPA or the insurer. Don’t hide facts to avoid facing a dispute at the time of making a claim.
Grievance	Write to the insurer’s regional office grievance cell for any grievance related to the branch or divisional offices. Write to the company’s head office grievance cell for any grievance related to the insurer’s regional offices. Keep a copy of the letter.	Don’t hide facts related to the complaint and the concerned members.

New India Assurance Health Insurance Claim Form:

Claim form can be downloaded from the insurer’s website. Part A of the claim form has to be filled by the insured member with policy number, personal details, insurance history, details of hospitalisation, details of claim, and bank account details. Guidance for filling the claim form will be given in the form itself. Part B of the form has to be filled by the hospital were the treatment was taken. Here is a list of details the insured member has to fill in Part A of the claim form:

• Details of primary insured:
  • Policy number
  • SI. number or Certificate number
  • Company TPA ID number
  • Name
  • Address
• Details of insurance history:
  • Currently covered by any other mediclaim/health insurance?
  • Date of commencement of first insurance without break
  • Company name, policy number, sum insured
  • Have you been hospitalised in the last 4 years since inception of the contract? Date, diagnosis
  • Previously covered by any other mediclaim or health insurance?
  • Company name
• Details of insured person hospitalised:
  • Name
  • Gender
  • Age
  • Date of birth
  • Relationship to primary insured
  • Occupation
  • Address
  • Phone number
  • Email ID
• Details of hospitalisation:
  • Name of the hospital where admitted
  • Room category occupied
  • Hospitalisation due to
  • Date of injury or date when disease first detected or date of delivery
  • Date of admission
  • Time
  • Date of discharge
  • Time
  • If injury, give cause, Police report
  • System of medicine
• Details of claim:
  • Details of treatment expenses
  • Claim for domiciliary hospitalisation
  • Details of lump sum or cash benefit claimed
  • Claim documents submitted/check list
• Details of primary insured’s bank account:
  • PAN
  • Bank account number
  • Bank name and branch
  • Cheque/DD payable details
  • IFSC Code
• Declaration by the insured member

New India Assurance Health Insurance Online Payment:

Visit New India Assurance portal to purchase a new policy online or for a quick renewal of your existing policy. Premium payment can be made online through the insurer’s website using netbanking, credit card or debit card. Follow the steps below:

1. Registered numbers can log in to the website using their customer ID and policy number or renewed quote number that will be sent through SMS to the registered mobile number.
2. View your premium payments details and save the quote.
3. Next step is to pay the premium.
4. Upon successful completion of the payment, your policy will be issued or renewed.

For any queries, send an email to tech.support@newindia.co.in. Mention your customer ID (available in the policy document) in the mail.

New India Assurance Health Insurance Toll-Free Number:

For any policy-related queries, call toll-free number 1800-209-1415. For any queries, email the insurer at tech.support@newindia.co.in. On the New India Assurance portal, you can request a ‘call back’ by filling out an online form. Visit the website, click on ‘Call Me’ tab on the top right-hand corner of the page. Fill in the form with your name, email ID, mobile number, preferred time to call, description, and click on submit. An insurance agent or customer support executive of the insurance company will call you back at your convenience.