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Health Insurance 919 views December 15, 2020
NEW INDIA ASSURANCE has introduced a wide range of Health Products for the customers with which they can secure themselves and their family at an affordable premium. And you can file for a claim during the policy period whenever the covered risk arises. Under the New India Assurance Health Insurance policy coverage against pre-and post-hospitalization, in-patient hospitalization, ambulance charge, room rent will be provided. Read the page further and know the list of New India Assurance health insurance policies and their benefits.
Table of Contents
The company has a variety of health insurance policies for the customers, so they can choose a policy to meet their needs. Check out the New India Assurance Health Insurance list
An insurance plan that can be bought either as an Individual or Family Floater basis. The entry and exit age for the policy is 18-65 years, and under this, you will get a Sum Insured (SI) of INR 1-5 Lakh in multiples of INR 50,000. From this New India Assurance Arogya Sanjeevani Policy, the insured and the number of insured persons get coverage for advance treatments (up to 50% of the SI), Room rent (up to 2% of the SI), ICU/ICCU (up to 5% of the SI), Ayush treatments, Cataract surgeries (up to 25% of the SI), HIV, Mental Illness, Genetic disorders, Dental treatment and Pre- & Post-hospitalization (up to 30/60 days).
If you buy this policy, you can get covered for the hospitalization expenses of Covid 19 if you are tested positive during the policy term. The New India Assurance Corona Kavach Policy can be issued for 105-285 days. With this policy, you can claim a Sum Insured of INR 50,000 to INR 5 lakh in multiples of INR 50,000. This policy comes in both individual and family floater basis. And if you buy this policy, you will get benefits like no room rent and ICU charge capping, ambulance charge, pre-and post-hospitalization cover (up to 15/30 days).
You are eligible for the New India Asha Kiran Policy if you are parents to only one girl child. This policy covers the proposer, proposer’s spouse and a maximum of two dependent girl children. Under this, you will get coverage against Accidental Death, Permanent Total Disablement, Loss of one limb and one eye or loss of both eyes and/or loss of both limbs and Loss of one limb/sight in one eye. Also, the policy covers Cancer, First Heart attack of specified severity, Open chest CABG, Open heart replacement or repair of Heart valves, Coma of specified severity, Kidney failure requiring regular dialysis, Stroke resulting in permanent symptoms, Major organ/bone marrow transplant, Permanent paralysis of limbs, Motor neuron disease with permanent symptoms and Multiple sclerosis with persisting symptoms at ba flat 10% of the Sum Insured.
Buy the New India Cancer Guard Policy to get coverage against cancer treatments. With this policy, you can get a Sum Insured of INR 5-50 Lakh based on your entry age that ranges from 3 months to 65 years. If you buy this policy, you will get cover for the following treatments –
You can cover all your family members in a single Sum Insured under the New India Floater Mediclaim – You, Your Spouse, Your Children (dependent from 3 months to 25 years), Your Parents ( age <-=60 years), Your Brother/Sister (If financially dependent on you), proposer’s ward, and if you are an employer, you can cover your employees too.
Under this insurance, you will get benefits like Newborn Baby Cover, Hospitalization Expenses Cover, Hospital Cash and Critical Care. And to customize this plan, you can add covers such as No Proportionate Deduction, Maternity Expenses, Revision in Limit of Cataract, etc.
Cover yourself and your family with separate Sum Insured under New India Mediclaim Policy. This insurance will cover all your hospitalization expenses like Room Rent, boarding, and nursing expenses (up to 1.0 % of the SI) per day, Intensive Care Unit (ICU)/Intensive Cardiac Care Unit (ICCU) expenses (up to 2.0 % of the SI) per day, Surgeon, Anesthetist, Medical Practitioner, Consultant’s Specialist fees, expenses for Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines and Drugs, Dialysis, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during Surgery like a pacemaker, Relevant Laboratory/Diagnostic test, X-Ray and other medical expenses related to the covered treatment and organ transplant expenses.
A New India Premier Mediclaim Policy provides coverage to you and your family against unforeseen hospitalization expenses with a benefit of Newborn Baby Cover in the mid-term, provided the mother of the newborn is insured under the policy. This plan comes into two plans –
Note – Once the Sum Insured is chosen, it cannot be increased at renewal, nor you can switch from Plan A to Plan B.
You can buy a New India Top Up Mediclaim policy whether you may or may not have any Health Insurance Policy. Or you can take this as an addition to your other Health Insurance Policy. The entry age of the proposer is 18-65 years and the other member’s entry age ranges from 3 months to 65 years. Self, Legal Spouse, dependent Children and Parents can be covered under the policy. But before the policy approval, you need to go through the following pre-acceptance check-ups such as –
The policy will have a threshold of INR 5 Lakh if the base policy Sum Insured is of INR 5,10 & 15 Lakh and for a threshold of INR 8 Lakh if the Sum Insured is of INR 7,12,17 & 22 Lakhs.
The insurance company isn’t liable for the following expenses if they are incurred during the policy period:-
There are two ways by which you can claim for your New India Assurance Health Insurance –
To take treatment in a network hospital, you need a pre-authorization by the company or the TPA. Because it is a cashless request available only at NEW India network hospitals. When the company/ TPA receives a cashless request form along with related medical information, it will issue a pre-authorization letter to the hospital if all the provided information is true. And when you get discharged from the hospital, you need to verify and sign the discharge papers.
Reimbursement of claim
Under the following prescribed time limit, you have to apply for the reimbursement:
As per the above-mentioned time limit, you should send a notice to the company with all the necessary documents
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