{"id":8595,"date":"2018-07-03T19:53:51","date_gmt":"2018-07-03T14:23:51","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=8595"},"modified":"2018-07-03T19:54:49","modified_gmt":"2018-07-03T14:24:49","slug":"new-india-assurance-health-insurance","status":"publish","type":"page","link":"https:\/\/www.antworksmoney.com\/blog\/new-india-assurance-health-insurance\/","title":{"rendered":"New India Assurance Health Insurance"},"content":{"rendered":"<p>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.<\/p>\n<p>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.<\/p>\n<p>On the international front, it conducts business in about 22 countries through different channels viz. subsidiaries, agencies, direct branches and associated corporates.<\/p>\n<p>The company was the most profitable general insurer during the year 2012 &#8211; 2013 in India. Its \u2018AAA\/Stable\u2019 rating by CRISIL further supports the company\u2019s financial solubility and ability to fulfill its customers\u2019 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.<\/p>\n<p>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.<\/p>\n<h2>Types of Health Insurance Policies Provided by New India Assurance:<\/h2>\n<p>Policies forming a part of the company\u2019s\u00a0<u>health insurance plans\u00a0<\/u>portfolio are listed below:<\/p>\n<ul>\n<li>New India Floater Mediclaim Policy<\/li>\n<li>New India Asha Kiran Policy<\/li>\n<li>New India Mediclaim 2012 Policy<\/li>\n<li>New India Mediclaim 2007 Policy<\/li>\n<li>New India Family Floater Mediclaim Policy<\/li>\n<li>New India Assurance Janata Mediclaim Policy<\/li>\n<li>New India Assurance Senior Citizen Mediclaim Policy<\/li>\n<li>Union Health Care Policy<\/li>\n<li>New India Assurance Mediclaim Top Up Plan<\/li>\n<\/ul>\n<p><u>New India Assurance Co. Ltd<\/u>\u00a0is 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.<\/p>\n<p>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.<\/p>\n<p>The insurer also offers an overseas mediclaim policy that covers personal accident, loss of passport, loss of baggage, repatriation, and medical expenses.<\/p>\n<h2>New India Floater Mediclaim Policy:<\/h2>\n<p>New India Floater Mediclaim Policy\u00a0is a new health insurance plan offered by New India for\u00a0providing health insurance\u00a0coverage to your entire family under one sum assured.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>18 years to 65 years; 3 months to 25 years for children if at least one parent is also covered under this plan<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Family Floater<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy Period<\/strong><\/td>\n<td>1 year<\/td>\n<\/tr>\n<tr>\n<td><strong>Renewability<\/strong><\/td>\n<td>Lifetime<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical Screening<\/strong><\/td>\n<td>Required for persons above 50 years (50% of screening costs are reimbursed if the proposer subsequently becomes a client).<\/td>\n<\/tr>\n<tr>\n<td><strong>Inpatient hospitalisation expenses<\/strong><\/td>\n<td>Up to sum assured subject to sub-limits; does not cover outpatient treatment and treatment outside India.<\/td>\n<\/tr>\n<tr>\n<td><strong>Newborn Cover<\/strong><\/td>\n<td>In-built; waiting period for mother &#8211; 2 years, coverage from birth till end of policy; excludes post-natal care, early delivery\/delivery expenses.<\/td>\n<\/tr>\n<tr>\n<td><strong>Room and Nursing charges<\/strong><\/td>\n<td>Up to 1% of sum assured, for each day of hospital stay; includes charges for RMO, IV Fluids, Blood Transfusion etc.; excludes material costs.<\/td>\n<\/tr>\n<tr>\n<td><strong>ICU charges<\/strong><\/td>\n<td>Up to 2% of sum assured, for each day of hospital stay.<\/td>\n<\/tr>\n<tr>\n<td><strong>Charges for<\/strong><\/td>\n<td>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.<\/td>\n<\/tr>\n<tr>\n<td><strong>Organ donor hospitalisation expenses<\/strong><\/td>\n<td>Excludes amounts paid for the organ.<\/td>\n<\/tr>\n<tr>\n<td><strong>Cataract treatment per eye<\/strong><\/td>\n<td>Lower of 10% of sum assured or Rs.50,000.<\/td>\n<\/tr>\n<tr>\n<td><strong>Daily cash allowance<\/strong><\/td>\n<td>0.1% of sum assured for each day of hospital stay.<\/td>\n<\/tr>\n<tr>\n<td><strong>11 specified critical illnesses<\/strong><\/td>\n<td>10% of sum assured; one-time additional lumpsum payout; excludes pre-existing critical conditions.<\/td>\n<\/tr>\n<tr>\n<td><strong>Day care procedures<\/strong><\/td>\n<td>Specified day care procedures are covered<\/td>\n<\/tr>\n<tr>\n<td><strong>Ambulance charges<\/strong><\/td>\n<td>Lower of actuals or 1% of sum assured.<\/td>\n<\/tr>\n<tr>\n<td><strong>Ayurvedic\/Homeopathic\/Unani treatment<\/strong><\/td>\n<td>25% of sum assured for treatment at a government approved centre.<\/td>\n<\/tr>\n<tr>\n<td><strong>Pre and post-hospitalisation expenses<\/strong><\/td>\n<td>Up to 30 days each.<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Assured<\/strong><\/td>\n<td>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.<\/td>\n<\/tr>\n<tr>\n<td><strong>Payout per illness<\/strong><\/td>\n<td>Up to 1% of the sum assured.<\/td>\n<\/tr>\n<tr>\n<td><strong>Primary member<\/strong><\/td>\n<td>Rs.1,860 to Rs.38,550; Additional members &#8211; Rs.250 to Rs.25,040.<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium loading upon renewal for members over 65 years<\/strong><\/td>\n<td>2% every year.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>New India Asha Kiran Policy:<\/h2>\n<p>A unique health insurance plan aimed at promoting healthcare for girls. This\u00a0New India asha kiran policy\u00a0can be taken by those parents who have only daughters for children.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>18 to 65 years; 3 months to 25 years for daughters who are children, if at least one parent is covered under this plan.<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Family Floater Basis (Family includes proposer, spouse and up to 2 dependent daughters)<\/td>\n<\/tr>\n<tr>\n<td><strong>Renewability<\/strong><\/td>\n<td>Lifetime.<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical Screening<\/strong><\/td>\n<td>Required for persons above 50 years (50% of screening costs are reimbursed if the proposer subsequently becomes a client).<\/td>\n<\/tr>\n<tr>\n<td><strong>Hospitalisation expenses plus Accident cover<\/strong><\/td>\n<td>For the customer and his\/her spouse.<\/td>\n<\/tr>\n<tr>\n<td><strong>Exclusion<\/strong><\/td>\n<td>Outpatient treatment<\/td>\n<\/tr>\n<tr>\n<td><strong>Inpatient hospitalisation expenses<\/strong><\/td>\n<td>Up to sum assured or within specified limits; does not cover outpatient treatment and treatment outside India.<\/td>\n<\/tr>\n<tr>\n<td><strong>Personal Accident Cover<\/strong><\/td>\n<td>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.<\/td>\n<\/tr>\n<tr>\n<td><strong>Room and Nursing charges<\/strong><\/td>\n<td>Up to 1% of sum assured, for each day of hospital stay; includes charges for RMO, IV Fluids, Blood Transfusion etc.; excludes material costs.<\/td>\n<\/tr>\n<tr>\n<td><strong>ICU charges<\/strong><\/td>\n<td>Up to 2% of sum assured, for each day of hospital stay.<\/td>\n<\/tr>\n<tr>\n<td><strong>Charges for<\/strong><\/td>\n<td>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.<\/td>\n<\/tr>\n<tr>\n<td><strong>Organ donor hospitalisation expenses<\/strong><\/td>\n<td>Excludes amounts paid for the organ.<\/td>\n<\/tr>\n<tr>\n<td><strong>Cataract treatment per eye<\/strong><\/td>\n<td>Lower of 10% of sum assured or Rs.50,000.<\/td>\n<\/tr>\n<tr>\n<td><strong>Daily cash allowance<\/strong><\/td>\n<td>0.1% of sum assured, for each day of hospital stay.<\/td>\n<\/tr>\n<tr>\n<td><strong>11 specified critical illnesses<\/strong><\/td>\n<td>10% of sum assured, one-time additional lumpsum payout; excludes pre-existing critical conditions.<\/td>\n<\/tr>\n<tr>\n<td><strong>Day care procedures<\/strong><\/td>\n<td>Specified day care procedures are covered<\/td>\n<\/tr>\n<tr>\n<td><strong>Ambulance charges<\/strong><\/td>\n<td>Lower of actuals or 1% of sum assured.<\/td>\n<\/tr>\n<tr>\n<td><strong>Ayurvedic\/Homeopathic\/Unani treatment<\/strong><\/td>\n<td>25% of sum assured for treatment at a government approved centre.<\/td>\n<\/tr>\n<tr>\n<td><strong>Pre and post-hospitalisation expenses<\/strong><\/td>\n<td>Up to 30 days\/60 days respectively.<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Assured<\/strong><\/td>\n<td>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.<\/td>\n<\/tr>\n<tr>\n<td><strong>Payout per illness<\/strong><\/td>\n<td>Payout per illness<\/td>\n<\/tr>\n<tr>\n<td><strong>Primary premium<\/strong><\/td>\n<td>Rs.1,860 to Rs.38,550; Additional members &#8211; Rs.250 to Rs.25,040<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium loading upon renewal for members over 65 years<\/strong><\/td>\n<td>2% every year.<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy Period<\/strong><\/td>\n<td>1 year<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>New India Assurance Mediclaim Top Up Plan:<\/h2>\n<p>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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Individual\/Family floater(6 members)<\/td>\n<\/tr>\n<tr>\n<td><strong>Primary Insured<\/strong><\/td>\n<td>The proposer need not be considered as the primary member &#8211; 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.<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy Period<\/strong><\/td>\n<td>This policy is valid for 12 months from the date of inception.<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical Screening<\/strong><\/td>\n<td>Required for persons above 50 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Pre-acceptance health check-ups<\/strong><\/td>\n<td>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.<\/td>\n<\/tr>\n<tr>\n<td><strong>Expenses Covered<\/strong><\/td>\n<td>Room rent, boarding and nursing expenses, Fees of medical practitioners, surgeons, consultants and other medicos, operation theatre, surgicals, blood, oxygen<\/td>\n<\/tr>\n<tr>\n<td><strong>ICU\/ICCU expenses<\/strong><\/td>\n<td>As per the threshold<\/td>\n<\/tr>\n<tr>\n<td><strong>Ambulance services<\/strong><\/td>\n<td>Based on the threshold amount chosen<\/td>\n<\/tr>\n<tr>\n<td><strong>AYUSH treatments<\/strong><\/td>\n<td>Taken at government or accredited hospitals.<\/td>\n<\/tr>\n<tr>\n<td><strong>Get Well Benefit<\/strong><\/td>\n<td>This benefit is paid out of a certain amount on the basis of the threshold amount chosen<\/td>\n<\/tr>\n<tr>\n<td><strong>Claim settlement<\/strong><\/td>\n<td>Supports both cashless and reimbursement, depending on the circumstances and availability<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>New India Mediclaim 2012 Policy:<\/h2>\n<p>This\u00a0New India mediclaim 2012 policy\u00a0covers 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>18 years to 65 years; 3 months to 25 years for children, if at least one parent is covered under this plan.<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy Period<\/strong><\/td>\n<td>1 year.<\/td>\n<\/tr>\n<tr>\n<td><strong>Renewability<\/strong><\/td>\n<td>Lifetime<\/td>\n<\/tr>\n<tr>\n<td><strong>Inpatient hospitalisation expenses<\/strong><\/td>\n<td>Hospital stay should exceed 24 hours (except in case of specified day care procedures).<\/td>\n<\/tr>\n<tr>\n<td><strong>Pre\/Post hospitalisation expenses<\/strong><\/td>\n<td>Up to 30\/60 days respectively.<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Assured<\/strong><\/td>\n<td>Up to Rs.3 lakh, Rs.3 lakh to Rs.5 lakh and over 5 lakh<\/td>\n<\/tr>\n<tr>\n<td><strong>Benefits<\/strong><\/td>\n<td>\n<ul>\n<li>Can be enhanced upon renewal, at company\u2019s discretion, for insured members up to 65 years.<\/li>\n<li>Sum assured can be enhanced once when migrating from Mediclaim 2007 to Mediclaim 2012.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Family Discounted Premiums<\/strong><\/td>\n<td>10% for plans taken on an individual basis. 11% &#8211; 18% for plans taken on family floater basis, minimum two and maximum four additional members.<\/td>\n<\/tr>\n<tr>\n<td><strong>No-claim bonus<\/strong><\/td>\n<td>2% &#8211; 15% for insured members up to 60 years. 3% &#8211; 15% for insured members above 60 years.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>New India Mediclaim 2007 Policy:<\/h2>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>18 years to 60 years; 3 months to 18 years for children, if parents are also covered under this plan.<\/td>\n<\/tr>\n<tr>\n<td><strong>Inpatient hospitalisation expenses<\/strong><\/td>\n<td>Yes, Covered if hospital stay should be for a period exceeding 24 hours.<\/td>\n<\/tr>\n<tr>\n<td><strong>Pre and Post-hospitalisation expenses<\/strong><\/td>\n<td>Up to 30 days and 60 days respectively.<\/td>\n<\/tr>\n<tr>\n<td><strong>Day care procedures<\/strong><\/td>\n<td>Specified day care procedures covered<\/td>\n<\/tr>\n<tr>\n<td><strong>Ambulance charges<\/strong><\/td>\n<td>Limitedly allowed<\/td>\n<\/tr>\n<tr>\n<td><strong>Ayurvedic\/Homeopathic and Unani treatment<\/strong><\/td>\n<td>Up to 25% of sum assured for treatment taken at a government approved centre.<\/td>\n<\/tr>\n<tr>\n<td><strong>Pre-existing condition<\/strong><\/td>\n<td>Subject to a 4 year, claim-free waiting period; 2 years for certain conditions upon payment of additional premium.<\/td>\n<\/tr>\n<tr>\n<td><strong>Premiums<\/strong><\/td>\n<td>Charged depending on the proposer\u2019s age and location.<\/td>\n<\/tr>\n<tr>\n<td><strong>Benefits<\/strong><\/td>\n<td>\n<ul>\n<li>Loyalty discounts.<\/li>\n<li>Good Health discounts.<\/li>\n<li>Reimbursement of health check expenses<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><strong>New India Family Floater Mediclaim Policy<\/strong>:<\/h2>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>18 years to 60 years.<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Assured<\/strong><\/td>\n<td>Rs.2 lakhs to Rs.5 lakhs<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Family floater (Family includes the proposer, hi\/her spouse and up to 2 dependent children; excludes parents, in-laws and siblings).<\/td>\n<\/tr>\n<tr>\n<td><strong>Premiums<\/strong><\/td>\n<td>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.<\/td>\n<\/tr>\n<tr>\n<td><strong>Inpatient hospitalisation expenses<\/strong><\/td>\n<td>Stay should exceed 24 hours.<\/td>\n<\/tr>\n<tr>\n<td><strong>Charges for<\/strong><\/td>\n<td>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.<\/td>\n<\/tr>\n<tr>\n<td><strong>Pre and Post hospitalisation expenses<\/strong><\/td>\n<td>Up to 30 and 60 days respectively.<\/td>\n<\/tr>\n<tr>\n<td><strong>Day Care procedures<\/strong><\/td>\n<td>Specified day care procedures covered<\/td>\n<\/tr>\n<tr>\n<td><strong>Ambulance charges<\/strong><\/td>\n<td>Limitedly allowed<\/td>\n<\/tr>\n<tr>\n<td><strong>Cataract surgery<\/strong><\/td>\n<td>within limits<\/td>\n<\/tr>\n<tr>\n<td><strong>Ayurvedic\/Homeopathic and Unani treatment<\/strong><\/td>\n<td>Up to 25% of sum assured for treatment taken at a government approved centre.<\/td>\n<\/tr>\n<tr>\n<td><strong>Pre-existing conditions<\/strong><\/td>\n<td>Subject to a 4 year, claim-free waiting period; 2 years for certain conditions upon payment of additional premium.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>New India Assurance Janata Mediclaim Policy:<\/h2>\n<p>New India Assurance Janata Mediclaim policy\u00a0is 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>18 years to 60 years; 3 months to 18 years for children, if parents are also covered under this policy.<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Assured<\/strong><\/td>\n<td>Rs.50,000 or R.75,000<\/td>\n<\/tr>\n<tr>\n<td><strong>No-claim bonus<\/strong><\/td>\n<td>Increase in 5% for every claim-free year; awarded upon renewal; maximum increase of 30%.<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium<\/strong><\/td>\n<td>Rs.750 to Rs.3,450(Depends on the chosen sum assured and age. )<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium discounts<\/strong><\/td>\n<td>Availed for covering additional members on family floater basis, subject to conditions.<\/td>\n<\/tr>\n<tr>\n<td><strong>Benefits<\/strong><\/td>\n<td>\n<ul>\n<li>Loyalty discounts.<\/li>\n<li>Good Health discounts.<\/li>\n<li>Reimbursement of health check expenses.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>New India Assurance Senior Citizen Mediclaim Policy:<\/h2>\n<p>The\u00a0New India Senior Citizen Mediclaim Policy\u00a0is 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>Persons between 60 years and 80 years.<\/td>\n<\/tr>\n<tr>\n<td><strong>Renewability<\/strong><\/td>\n<td>Up to 90 years.<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical Screening<\/strong><\/td>\n<td>Required for all entrants.<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Assured<\/strong><\/td>\n<td>Rs.1 lakh or Rs.1.5 lakhs<\/td>\n<\/tr>\n<tr>\n<td><strong>No-claim\/ Cumulative bonus<\/strong><\/td>\n<td>Increase in 5% for every claim-free year; awarded upon renewal; maximum increase of 30%.<\/td>\n<\/tr>\n<tr>\n<td><strong>Co-payment<\/strong><\/td>\n<td>Lower of sum assured or 90% of claim.<\/td>\n<\/tr>\n<tr>\n<td><strong>Premiums<\/strong><\/td>\n<td>Rs.3,850 to Rs.7,650(10% additional premium to include pre-existing conditions as part of the base cover. )<\/td>\n<\/tr>\n<tr>\n<td><strong>Loading<\/strong><\/td>\n<td>10% to 20%; depends on age.<\/td>\n<\/tr>\n<tr>\n<td><strong>Voluntary deductible<\/strong><\/td>\n<td>10% for Rs.10,000.<\/td>\n<\/tr>\n<tr>\n<td><strong>Family discount<\/strong><\/td>\n<td>10%.<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy Period<\/strong><\/td>\n<td>1 year.<\/td>\n<\/tr>\n<tr>\n<td><strong>Benefits<\/strong><\/td>\n<td>\n<ul>\n<li>Cashless claim facilities.<\/li>\n<li>Reimbursement of health check costs undertaken after every 4 claim-free years: Up to 1% of the sum assured.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Union Health Care Policy:<\/h2>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>3 years to 65 years; 3 months to 5 years for children, if at least one parent is covered under this plan.<\/td>\n<\/tr>\n<tr>\n<td><strong>Hospitalisation expenses<\/strong><\/td>\n<td>Reimbursed within limits, subject to the sum assured for illness or injuries requiring hospital stay (except those specifically excluded from coverage).<\/td>\n<\/tr>\n<tr>\n<td><strong>Pre and Post-hospitalisation expenses<\/strong><\/td>\n<td>Up to 30 and 60 days respectively. Personal Accident Cover: Rs1 lakh; in-built feature.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Dos and Don\u2019ts of New India Assurance Health Insurance:<\/h2>\n<p>Listed below are the dos and don&#8217;ts when purchasing a new policy, renewing an existing policy, change in policy schedule, making claims, and grievance:<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Process<\/strong><\/td>\n<td><strong>Dos<\/strong><\/td>\n<td><strong>Don\u2019ts<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>New policy<\/strong><\/td>\n<td>\n<ul>\n<li>Disclose details of any and all pre-existing conditions of the insured members.<\/li>\n<li>Submit stamp-size photographs of the insured members along with their signatures.<\/li>\n<li>Keep a copy of the proposal form with you.<\/li>\n<li>Health checkup may be required depending on the age of the insured members.<\/li>\n<li>Check the name, age, gender, address, and other personal details in the policy schedule.<\/li>\n<li>Ensure the period of insurance is correct.<\/li>\n<li>Cancel the policy within the 15-day free-look period if you object to the terms of coverage.<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Don&#8217;t furnish any false information on the proposal form.<\/li>\n<li>Don&#8217;t sign the proposal form without reading the terms and conditions.<\/li>\n<li>Don&#8217;t hide facts or pre-existing conditions of the insured member.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Renewal<\/strong><\/td>\n<td>\n<ul>\n<li>Keep track of your policy renewal date.<\/li>\n<li>Renew the policy before the due date.<\/li>\n<li>Pay the renewal premium within the grace period.<\/li>\n<li>Read the sum insured enhancement condition carefully before requesting for enhancement of sum insured.<\/li>\n<li>Health checkup may be required.<\/li>\n<li>Inform the underwriter of any change in risk profile of the insured members.<\/li>\n<li>Read the policy clauses carefully. It is available on the insurer&#8217;s website.<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Don&#8217;t delay in policy renewal even by a day or else claim will be not be payable.<\/li>\n<li>Don&#8217;t forget to renew the policy on time as lifetime renewability is applicable only if the policy is renewed without any break.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Change in policy<\/strong><\/td>\n<td>\n<ul>\n<li>Submit a written request for any change required in the policy schedule.<\/li>\n<li>Keep a copy of the letter.<\/li>\n<li>Collect the endorsement document issued from the office.<\/li>\n<\/ul>\n<\/td>\n<td>Don&#8217;t delay in informing the underwriter about any change in the risk profile of any insured member.<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims<\/strong><\/td>\n<td>\n<ul>\n<li>Ensure the room rent is within the sub-limit of your policy.<\/li>\n<li>Read the policy document carefully for details like pre-existing conditions that aren&#8217;t covered, waiting period, etc.<\/li>\n<li>Intimate the TPA within the given time limit of 48 hours prior to planned hospitalisation and within 48 hours of emergency hospitalisation.<\/li>\n<li>Ensure the hospital falls under network hospitals of the insurer for cashless hospitalisation. Disclose your insurance details at the time of admission.<\/li>\n<li>Read the pre-authorisation request form carefully before signing it.<\/li>\n<li>Keep a copy of all the medical documents.<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Don&#8217;t delay the submission of the documents required by the TPA or the insurer.<\/li>\n<li>Don&#8217;t hide facts to avoid facing a dispute at the time of making a claim.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Grievance<\/strong><\/td>\n<td>\n<ul>\n<li>Write to the insurer&#8217;s regional office grievance cell for any grievance related to the branch or divisional offices.<\/li>\n<li>Write to the company&#8217;s head office grievance cell for any grievance related to the insurer&#8217;s regional offices.<\/li>\n<li>Keep a copy of the letter.<\/li>\n<\/ul>\n<\/td>\n<td>Don&#8217;t hide facts related to the complaint and the concerned members.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>New India Assurance Health Insurance Claim Form:<\/h2>\n<p>Claim form can be downloaded from the insurer&#8217;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:<\/p>\n<ul>\n<li>Details of primary insured:\n<ul>\n<li>Policy number<\/li>\n<li>SI. number or Certificate number<\/li>\n<li>Company TPA ID number<\/li>\n<li>Name<\/li>\n<li>Address<\/li>\n<\/ul>\n<\/li>\n<li>Details of insurance history:\n<ul>\n<li>Currently covered by any other mediclaim\/health insurance?<\/li>\n<li>Date of commencement of first insurance without break<\/li>\n<li>Company name, policy number, sum insured<\/li>\n<li>Have you been hospitalised in the last 4 years since inception of the contract? Date, diagnosis<\/li>\n<li>Previously covered by any other mediclaim or health insurance?<\/li>\n<li>Company name<\/li>\n<\/ul>\n<\/li>\n<li>Details of insured person hospitalised:\n<ul>\n<li>Name<\/li>\n<li>Gender<\/li>\n<li>Age<\/li>\n<li>Date of birth<\/li>\n<li>Relationship to primary insured<\/li>\n<li>Occupation<\/li>\n<li>Address<\/li>\n<li>Phone number<\/li>\n<li>Email ID<\/li>\n<\/ul>\n<\/li>\n<li>Details of hospitalisation:\n<ul>\n<li>Name of the hospital where admitted<\/li>\n<li>Room category occupied<\/li>\n<li>Hospitalisation due to<\/li>\n<li>Date of injury or date when disease first detected or date of delivery<\/li>\n<li>Date of admission<\/li>\n<li>Time<\/li>\n<li>Date of discharge<\/li>\n<li>Time<\/li>\n<li>If injury, give cause, Police report<\/li>\n<li>System of medicine<\/li>\n<\/ul>\n<\/li>\n<li>Details of claim:\n<ul>\n<li>Details of treatment expenses<\/li>\n<li>Claim for domiciliary hospitalisation<\/li>\n<li>Details of lump sum or cash benefit claimed<\/li>\n<li>Claim documents submitted\/check list<\/li>\n<\/ul>\n<\/li>\n<li>Details of primary insured&#8217;s bank account:\n<ul>\n<li>PAN<\/li>\n<li>Bank account number<\/li>\n<li>Bank name and branch<\/li>\n<li>Cheque\/DD payable details<\/li>\n<li>IFSC Code<\/li>\n<\/ul>\n<\/li>\n<li>Declaration by the insured member<\/li>\n<\/ul>\n<h2>New India Assurance Health Insurance Online Payment:<\/h2>\n<p>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&#8217;s website using netbanking, credit card or debit card. Follow the steps below:<\/p>\n<ol>\n<li>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.<\/li>\n<li>View your premium payments details and save the quote.<\/li>\n<li>Next step is to pay the premium.<\/li>\n<li>Upon successful completion of the payment, your policy will be issued or renewed.<\/li>\n<\/ol>\n<p>For any queries, send an email to tech.support@newindia.co.in. Mention your customer ID (available in the policy document) in the mail.<\/p>\n<h2>New India Assurance Health Insurance Toll-Free Number:<\/h2>\n<p>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\u00a0<em>New India Assurance<\/em>\u00a0portal, you can request a \u2018call back\u2019 by filling out an online form. Visit the website, click on &#8216;Call Me&#8217; 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.<\/p>\n<div class=\"col-md-12\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>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, &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/new-india-assurance-health-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;New India Assurance Health Insurance&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-8595","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>New India Assurance Health Insurance | Antworks Money - The Blog on Personal Finance | Guide to Loans, Credit Cards, Insurance and Investments<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.antworksmoney.com\/blog\/new-india-assurance-health-insurance\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"New India Assurance Health Insurance | Antworks Money - The Blog on Personal Finance | Guide to Loans, Credit Cards, Insurance and Investments\" \/>\r\n<meta property=\"og:description\" content=\"New India Assurance has developed over 160 products that deals with the whole gamut of general assurance lines. 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