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New India Assurance Co. Ltd

New India Assurance Co. Ltd is a multinational general insurance company owned wholly by the Government of India. Founded by Sir Dorabji Tata in 1919, New India Assurance Co. Ltd is headquartered in Mumbai, Maharashtra, and operates in 28 countries.
With 2097 offices, of which 1041 are micro offices, the company offers more than 170 products catering to nearly all segments of general insurance. It is also the only company to be conferred an A rating by AM Best, while CRISIL gives it AAA/Stable rating. From a layman’s perspective, what that means is that New India Assurance is financially well-equipped to meet the obligations of its policyholders.
With the availability of New India health insurance online, its services have become even more accessible to the customers. They can now easily compare New India health insurance plans and purchase the most suitable one for themselves.

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Plans Offered by New India Assurance Co. Ltd

New India Assurance has a range of health insurance policies for individuals as well as families. The objective of these policies is to provide easy and economical access to healthcare. The plans offered by the company have several benefits, including lifelong renewals, health check-up, pre and post hospitalization covers, and a maximum coverage of as many as 6 members in a family. Here are the most favored and feasible New India health insurance plans –

    Plan Name : Mediclaim 2012 Policy

      About the plan

      In an age where healthcare is getting pricier, even the most basic of health issues can burn a hole in one’s pocket. This individual health insurance by New India provides the perfect safeguard in that regard as it covers individuals against basic hospitalization expenses.

      • Individuals in the age group of 18 to 65 years can purchase this policy
      • The premium amount in this plan is different for different geographical zones
      • Sub-limits (room rent Limit, ICU limit and so on) apply in this plan
      • Co-pay (amount to be paid by the individuals themselves for each claim) is applicable in case of treatment in a different geographical zone.

          Benefits

          • This basic plan provides coverage against medical expenses in the range of Rs 2 lakhs to Rs 8 lakhs for the individuals between 18 to 65 years
          • Children in the age group of 3 months to 25 years who are dependent on their parents, are also covered. For that, one of the parents should also be covered under the policy.
          • Health checkup (every 3 years), pre and post hospitalization expense covers, and No Claim bonus are among its other benefits

              Plan Name : New India Floater Mediclaim Policy

                About the Plan

                Coming to realize that you have a critical illness can be devastating not only for your health but also your pocket. This New India health insurance policy provides an additional coverage for critical illnesses, and is available on a family floater basis. Some of its features are –

                • Sub-limits are applicable
                • The premium amount in this plan is different for different geographical zones
                • Co-pay is applicable in case of a change in geographical area for treatment

                    Benefits

                    • Health costs of the family within the range of Rs 2 lakhs to Rs 8 lakhs will be covered
                    • The policyholder, legal spouse, and two dependent children (upto 25 years of age) get covered under the same policy
                    • The plan provides pre and post hospitalization coverages, coverage for daycare procedures, maternity coverages and so on
                    • Besides the above, the plan also provides coverage up to 10% of the Sum Insured once a critical illness has been detected.

                        Plan Name : New India Asha Kiran Policy

                          About the Plan

                          Designed with the motto to boost healthcare for all girl children, this New India Health Insurance plan is offered only to those parents who have girls for children. Individuals in the age group of 18 to 65 years can purchase this plan, and it covers daughters from 3 months to 18 years in age, given their parents are also covered.

                          • This policy is for a period of one year
                          • Daughters in the age group of 18 to 25 years who are dependent on their parents, other than the unmarried and mentally challenged, can also be covered under this policy.
                          • Sub-limits are applicable for coverage under Section I plan
                          • The premium sum under Section I differs in different geographical zones
                          • Co-pay is applicable for treatments in different geographical areas under Section I

                              Benefits

                              • Health costs of the entire family in the range of Rs 2 lakhs to Rs 8 lakhs are covered
                              • Hospitalization benefits, maternity cover, critical illness cover (10% of the insured sum), and cover for day care procedures are some of its important benefits.
                              • The plan has 2 sections.
                                • Section I covers hospitalization expenses including critical illness covers, hospital cash allowance, treatment of congenital diseases and so on.
                                • Section II provides compensation in case of permanent total disability, accidental death etc.

                              Benefits

                              Claim Process at New India Assurance Co. Ltd

                              Review

                              One of the oldest general insurance companies in India, New India Assurance has a portfolio that is far more extensive than its contemporaries. With a range of health insurance policies in its portfolio, advanced technologies and an integrated complaint management structure, the company has a sound track record when it comes to claim settlement, something which makes it a preferred choice of many.

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