New India Assurance Critical illness Policy

New India Assurance is India’s topmost insurance provider and has been in service for more than one decade. This company is based in Mumbai they provide a comprehensive health insurance policy that has wide coverage. New India has a large network of hospitals in which they provide cashless treatment at any point in time. The claims which arise during the policy period are solved very efficiently and the claims are settled in one week’s time. They have a wide range of coverage which covers various expenses that occur in hospitals. This policy is well suited for critical illness

What is Health Insurance?

Health insurance is a comprehensive financial scheme that covers the expenses from admission to post-treatment. In present days we all are living a busy schedule, we run for everything but often tend to forget our health. Health is a treasure for all of us, but if left carelessly it will become into critical illness and it is difficult to be treated.

What is Critical Care Health Insurance?

Critical illness is something completely different from ordinary diseases; it requires more care and expenses compared to other diseases. Critical illness included cancer, stroke, and many serious illness diseases if left untreated will lead to death but requires more care during treatment and good hospitalization. Financial assistance from hospitalization to discharge is provided under this insurance, this plan provides you with the best treatment across India and makes sure that the illness is completely cured, and also provides you with recovery benefits.

Benefits of Health Insurance

Health insurance provides various benefits for us during unforeseen situations, we might be confused and anxious about certain health issues we might not be able to meet sudden financial requirements but health insurance provides financial assistance to us for health care it has a wide range of benefits which includes

  • Health insurance provides you coverage against any medical expense at any cost. They provide compensation for hospitalisation charge, daycare expenses, consultation fee and cost of medicals.

  • Coverage of life threatening diseases like kidney failure, cancer and stroke are provided

  • They have a large network of hospitals to provide cashless treatment

  • Tax benefits can also be availed

  • Provide coverage for individual and families as well

How to apply for health insurance?

Health insurance is purchased through online mode. The following steps should be followed while applying for health insurance

  • Click on the website of your insurance company.

  • Fill in all our personal details

  • Create a password and username

  • Enter the details about your disease

  • Enter the details of your hospital

  • Your medical history record needs to be submitted

  • At last, payment needs to be done

Eligibility Criteria for this Policy

This policy is for people who are aged from 18 to 65 years. If they are below 18 years they are asked to take insurance in the name of their parents. On attaining 18 years of age the children can be eligible to take independent policy. The upper age limit is not for mentally challenged children or unmarried dependant people. The policy of new born baby of insured mother will be covered from date of birth up to the date of expiry. For newly married spouse midterm inclusion is allowed this should be done by changing pro-rata premium of the remaining period

Expenses Covered in this Policy

  • Room rent

  • Nurse charge

  • Intensive care unit

  • Cardiac unit

  • Pulse oximeter charge

  • Monitor charge

  • Fees of surgeon

  • Fees of anesthesia

  • Consultation fee

  • Pre  hospitalisation charge- test which are required to be take before treatment before  60 days

  • Post hospitalisation charge-  medicines and consultation fee after 90 days

  • Operation theatre charge

  • Radiotherapy and chemotherapy charge

  • Pharmaceutical expenses

  • Day care expenses

  • Transportation cost

  • Dialysis charge

  • Intensives charge

  • Medical instrument charge

Special coverage

  • Drugs, stimulants, and depressants which are required for treatment are provided from 5% of sum insured

  • In  the extreme stage of treatment when it  is very critical artificial life support machines are provided from 10%  of  your sum insured

  • A coverage of 24 months is provided for puberty and menopause related issues  which is provided from  25% of the sum

  • For age related disorders there is a coverage of  36 months along with 1,00,000

  • Genetic diseases have a waiting period of 36 months

  • For neuro disorders, there is a sub-limit of 24 month

Modern treatment coverage

Sr.noTreatment Coverage
1.Uterine artery embolization2 Lakhs
2.Balloon sinuplasty2 Lakhs
3.Oral chemotherapy1 Lakhs
4.Deep brain stimulation5 Lakhs
5.immunotherapy2 Lakhs
6.Robotic surgery5 Lakhs
7.Intraviteral injection75,000
8.Radiosurgery3 Lakhs
9.Bronchial thermoplasty2.5 Lakhs
10.Prostrate vaporisation2.5 Lakhs
11.Neuro monitoring50,000
12.Stem cell therapy2 Lakhs

Critical Care Benefit

For planA sum of RS.2lakhs is provided and for plan B sum of 5lakhs is provided along with additional cash benefits, the following disease come under the critical care category

  • Cancer

  • Heart attack

  • Open heart surgery

  • Dialysis

  • Stroke

  • Coma

  • Neuro disease

  • Paralysis

  • Multiple sclerosis

  • Organ transplant

  • Bone marrow transplant

  • Open chest CAG

Exclusions of this policy

Though this policy has various coverage certain parameters are excluded in this policy

  • Cosmetic surgery

  • Plastic surgery

  • Dental treatment for cosmetic purposes

  • Drug abuse

  • Nuclear explosion

  • Damage caused outside India

  • Domiciliary hospitalisation

  • Treatment not prescribed by doctor

  • Weight loss treatment.

  • Self harm treatment

The following are not included in treatment because they are done in voluntary purpose and it is not mandatory. Suicide is not included because it comes under mental disorder.

New India Assurance floater option

Floater option in New India Assurance is for people who are aged from 18 to 65 years of age. This policy can be taken for children as well. You can also have lifelong renewal in this policy. This policy can cover from 2 to 6 members. Sum of RS.15lakhs is provided in this policy the major features of this policy are

Highlights of this policy

  • For claim free years you will receive bonus of 25% to 50%

  • New born cover is provided in this policy

  • From 10% of sum assured critical care is provided

  • For newly married spouse there is midterm inclusion

  • RS.50,000 is provided for cataract treatment

  • From 25% of sum insured ayurveda treatment is done

  • Ambulance charges are provided from 1%sum insured

  • Cashless treatment at various hospitals are provide at 0.1% of sum insured

  • There is no proportionate deduction

  • For maternity treatment 5lakhs is provided

  • For cataract 8lakhs is provided

  • There are 139 day care procedures in this policy

Method of payment of premiums

Premium is a monthly periodic payment which needs to be paid to the insurer the payment has to be paid through online mode.

New India individual mediclaim policy

Floater option in New India Assurance is for people who are aged from 18 to 65 years of age. This policy can be taken for children as well. You can also have lifelong renewal in this policy. This policy is valid only for one person in family. Sum of RS.15lakhs is provided in this policy the major features of this policy are

Highlights of this policy

  • For claim-free years you will receive a bonus of 25% to 50%

  • Newborn cover is provided in this policy

  • From 10% of sum assured critical care is provided

  • For newly married spouses there is midterm inclusion

  • RS.50,000 is provided for cataract treatment

  • From 25% of sum insured Ayurveda treatment is done

  • Ambulance charges are provided from 1%sum insured

  • Cashless treatment at various hospitals are provided at 0.1% of the sum insured

  • There is no proportionate deduction

  • For maternity treatment, 5lakhs is provided

  • For cataracts, 8lakhs is provided

  • There are 139 daycare procedures in this policy

  • Organ transplant expenses are covered  in this policy

  • Every 3 claim free years health check-up is provided

  • The waiting period for the pre-existing disease is 24 months

  • For specific diseases, the waiting period is 48 months

  • Maternity benefits are provided in this policy

Claims process of this policy

The claims process of this policy is simple and efficient and the claims are solved within one week’s time. We can call at 1800 209 1415.  We can send our queries through mail tech.support@newindia.co.in.  We can complain by visiting the branch office located near your locality and fill the duly signed claim form. For every claim-free year, you can avail a cumulative bonus of up to 25%

FAQs

Q1. Are family members covered in this policy?

Ans – Yes, in New India Assurance family members up to 6 people are covered in floater option. The benefits which we receive will also be provided for our family members in floater option. The following people can receive this policy

a) Proposer
b) Spouse
c) Dependant parents
d) Dependent children

Q2. What are the two types of plans offered in this policy?

The two types of plans offered in this plan are

A. Plan A which provides sum of RS.15Lakhs to 25lakhs
B. Plan B which provides  sum of RS.50lakhs to 100lakhs

Q3. Is a pre-medical health check-up required in this policy?

Yes, pre medical health check up is mandatory for people who are above 50 years of age. This check up will be done at hospitals suggested by New India Assurance. The following persons should take pre medical health check up. The expenses of this medical check-up should be done by the proposer itself after they check up the amount will be reimbursed by the insurer

i. Person who has been hospitalised for more  than 2 years
ii. Person who has BMI above 32
iii. Person who has a chronic illness
iv. Person with psychiatric illness

Q4. What is a daily cash allowance?

Daily cash allowance is the amount we receive on a daily basis for a particular disease which we have been affected with. In plan A we receive 2,000 per day and in plan B we receive RS.4000

Q5. What is critical care insurance?

For critical care a sum of 2lakhs to 5lakhs is provided treatment is given for the following diseases

A. Cancer
B. Liver failure
C. Kidney failure
D. Dialysis
E. Heart attack
F. Stroke
G. Paralytic attack
H. Multiple scheloris
I. Neuro disorder
J. Bone marrow transplant
K. Coma
L. Open heart surgery

Q6. What are the documents required for health insurance?

For applying for health insurance you will require various documents which are listed below

a) Birth certificate
b) Passport  size photo
c) Aadhar card or any other  address proof
d) 10th and 12th mark sheet
e) Medical certificate
f) Details of doctor
g) Hospital registration number
h) Doctor prescription
i) Photocopy of prescription
j) Receipt of ambulance charge
k) In case of an accident First information report
l) Doctors’ prescription for diagnostic tests
m) Indoor case paper
n) Claims form
o) Valid ID proof
p) In case of an accident driving license should be submitted

Q7. What are the methods to pay premiums?

The mode of payment is accepted only through online mode and not offline mode. Premiums are monthly periodic payments that need to be paid to the insurer the premium chart is found on the website of New India Assurance. The amount can be through the following modes. The payment should be paid before the due date.

A. Google pay, phone pay or pay tm
B. NEFT payment
C. Credit card or debit card

After the transaction has been completed you can download a copy of the receipt for proof.