Health Insurance 414 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.

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The New India Assurance Health Insurance Policies

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

Arogya Sanjeevani Policy

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).

Corona Kavach Policy

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).

New India Asha Kiran Policy

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.

New India Cancer Guard Policy

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 –

  1. Chemotherapy
  2. Proton Treatment
  3. Radiotherapy
  4. Personalized & Targeted therapy
  5. Organ transplant
  6. Hormonal Therapy or Endocrine manipulation
  7. Onco-surgery
  8. Immunotherapy including immunology agents
  9. Stem cell transplantation
  10. Bone marrow transplantation

New India Floater Mediclaim

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.

New India Mediclaim Policy

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.

New India Premier Mediclaim Policy

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 –

  1. Plan A: INR 15-25 lakh
  2. Plan B: INR 50 lakh to INR 1 Crore

Note –  Once the Sum Insured is chosen, it cannot be increased at renewal, nor you can switch from Plan A to Plan B.

New India Top Up Mediclaim

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 –

  1. BLOOD SUGAR (FASTING & PP)
  2. ECG
  3. SGPT
  4. X-RAY CHEST PA VIEW
  5. SGOT
  6. PHYSICIAN CHECK-UP
  7. CHOLESTEROL
  8. HDL CHOLESTEROL
  9. TRIGLYCERIDES
  10. EYE CHECK-UP FOR CATARACT & GLAUCOMA

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 New India Assurance Health Insurance Exclusions

The insurance company isn’t liable for the following expenses if they are incurred during the policy period:-

  1. Treatment of any Pre-existing Condition/Disease (up to 36 months of Continuous Coverage)
  2. Any Illness contracted in the first 30 days (for coverage of more than 12 months)
  3. All internal and external benign tumors, cysts and polyps of any kind
  4. Benign breast lumps, ear, nose, throat disorders, prostate hypertrophy
  5. Cardiovascular and Circulatory Disorders
  6. Cataract
  7. Age-related eye ailments
  8. Diabetes Mellitus
  9. Gastric/Duodenal Ulcer
  10. Gout and Rheumatism
  11. Hernia
  12. Hydrocele
  13. Hypertension
  14. Non-Infective Arthritis
  15. Piles, Fissures and Fistula in anus
  16. Pilonidal sinus, Sinusitis and other related disorders
  17. Prolapsed interVertebral Disc
  18. Spinal Diseases (unless result due to an accident)
  19. Renal Disorders
  20. Skin Disorders
  21. Stone in Gallbladder, Bile duct, and Urinary system
  22. Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus treatments
  23. Varicose Veins and Varicose Ulcers
  24. Joint Replacement due to Degenerative Condition
  25. Age-related Osteoarthritis & Osteoporosis
  26. Injury/Illness due to War or Nuclear weapons
  27. Circumcision
  28. Plastic Surgery
  29. Change of sex
  30. Vaccination and Inoculation
  31. Dental treatment
  32. Sexually Transmitted Diseases
  33. Bodily Injury or Illness due to participation in any hazardous sports of any kind
  34. Obesity treatment and its complications
  35. Convalescence, general debility, ‘Run-down’ condition or rest cure
  36. Venereal disease
  37. Intentional self-Injury and Illness

The New India Assurance Health Insurance Claim Procedure

There are two ways by which you can claim for your New India Assurance Health Insurance –

Cashless claim

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:

  1. Within 30 days post-discharge from the hospital, for hospitalization, daycare and pre-hospitalization expenses
  2. 15 days for post-hospitalization expenses

As per the above-mentioned time limit, you should send a notice to the company with all the necessary documents

  1. Duly Completed claim form
  2. Photo Identity proof
  3. Medical practitioner’s prescription
  4. Original bills with an itemized break-up
  5. Payment receipts
  6. Discharge summary plus the complete medical history of the patient
  7. Investigation/Diagnostic test reports
  8. OT notes or Surgeon’s certificate
  9. Sticker/Invoice of the Implants
  10. Medico-legal Report copy (MLR, if necessary)
  11. First information report (FIR) as per the case
  12. NEFT Details
  13. KYC proof (if the claim amount is above INR 1 Lakh)
  14. Legal heir/succession certificate (If there is no Nominee)
  15. Any other relevant document required by Company/TPA

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