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IRDAI/I NTAII/BA/51/2018
CIN: U72900KA2018PTC110119

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This New India Assurance policy covers the following: Pre and Post Hospitalization expenses upto 30 days and 60 days respectively. Hospitalization expenses for the treatment of injury or illnesses which is more than 24 hours. Ambulance Charges as per the limits. Day care treatments where 24 hrs hospitalization is not required. Ayurvedic Treatment of medicine is also covered to the tune of 25% of Sum Insured. Preexisting diseases are covered subject to a waiting a period of 4 years claim free period and 2 years for certain conditions like diabetes, hypertension. Eligibility This can be availed by individuals who are aged between 18-60 years. Children between 3 months till 18 years are also covered provided one of their parents are also covered simultaneously. Features & Benefits Loyalty discounts Good Health Discounts Cumulative Bonus Family Discount Reimbursement of Health check up Income Tax Benefit under section 80D of IT Act. New India Family Floater Mediclaim Insurance Policy This New India Mediclaim policy covers the following: Pre and Post Hospitalization expenses upto 30 days and 60 days respectively. Hospitalization expenses for the treatment of injury or illnesses which is more than 24 hours. Ambulance Charges as per the limits. Day care treatments where 24 hrs hospitalization is not required. Ayurvedic Treatment of medicine is also covered to the tune of 25% of Sum Insured. Pre-existing diseases are covered subject to a waiting a period of 4 years claim free period and 2 years for certain conditions like diabetes, hypertension. Cataract surgery. Eligibility This plan can be availed by individuals who are aged between 18-60 years. The Family Floater Mediclaim Plan can be availed by person upto 60 years of age with self, spouse, maximum two dependent children. Parents/ Parents in law/ brothers and sisters are not covered. Sum Insured & Premium Minimum Sum Insured is 2 lakhs and maximum is Rs 5 lakhs. A load of 50% will be applied to cover spouse, and 25% to cover each dependent child. New India Janata Mediclaim Policy by New India Health Insurance The New India Janata Mediclaim Policy covers the following: Pre and Post Hospitalization expenses upto 30 days and 60 days respectively. Hospitalization expenses for the treatment of injury or illnesses which is more than 24 hours. Ambulance Charges as per the limits. Day care treatments where 24 hrs hospitalization is not required. Ayurvedic Treatment of medicine is also covered to the tune of 25% of Sum Insured. Preexisting diseases are covered subject to a waiting a period of 4 years claim free period and 2 years for certain conditions like diabetes, hypertension. Cataract surgery. Eligibility Individuals aged between 18-60 years and other members 3 months – 65 years. Children between 3 months till 18 years are covered under this plan provided their parents are also covered simultaneously. Sum Insured & Premium Rs 50000 to Rs 75000 and No Claim Bonus is increase in 5% for every claim free year. New India Senior Citizen Mediclaim Plan by New India Health Insurance This New India Health Insurance plan covers Inpatient hospitalization expenses minimum 24 hours which includes ICU charges: Upto 2% of Sum Insured per day (overall limit 25% of sum assured). Room and Nursing Charge: 1% of Sum Insured per day (overall limit 25% of sum assured). Specialists Fee, Consultants, Surgeon, Medical Practitioner, and Anesthetist fees (overall limit 25% of sum assured). Oxygen, Surgical Appliances, Medicines & Drugs, Blood, Anesthesia, OT Charges, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical operation like pacemaker, related test, X-Ray and other expenses-upto 50% of sum insured. Organ Donor hospitalization expenses. Pre/Post hospitalization expenses upto 30/60 days respectively. Ambulance Charges. Limited Ayurvedic treatments are also payable under this policy Preexisting diseases waiting period is 18 months. Eligibility Individuals aged between 60-80 years are eligible for this policy. And the renewability continues till the age of 90 without a break. Health check up is mandatory for all applicants. Sum Insured & Premium Sum Insured is Rs 1 lakh to Rs 1.5 lakhs and No Claim Bonus increase in 5% for every claim free year. Premiums are as lower as Rs 3850 to Rs 7650 depends on the age and sum insured. Again, loading of 10% to 20% will be applicable which depends on the age. There is a family discount of 10%. New India Personal Accident Insurance Plan The below mentioned coverages are there under this New India Health Insurance plan: Table A : Coverage under Table B and Total Disablement Plans. Table B: Coverage under Table C and Permanent Partial Disablement Plans. Table C: Coverage under Table D , loss of two limbs/ both eyes, one limb and one eye, loss of one limb, or one eye and Permanent Total Disablement Plans. Table D : Coverage of Death of 100% of Sum Insured. Read in Detail About New India Personal Insurance Various types of personal accident plans are as under: Group Personal Accident Plans Individual Personal Accident Plans. Passenger Flight coupon. Janata Personal Accident Plan. Student Safety Insurance Plan. Gramin Accident Personal Policy Raj Rajeshwari Mahila Kalyan Yojna Bhagyashree Child Welfare Policy. Eligibility Individuals and dependent family members aged between 5 years -70 years are eligible for this policy. New India Overseas Mediclaim Plan This covers the medical expenses incurred by the insured individuals outside India in terms of bodily injuries or sickness or disease contracted. The plans are : Business and Holiday Plans which includes medical/ repatriation expenses, loss and delay of checked in baggage, loss of passport, personal liability under A-1, A-2 B-1, B-2, E-1 CFT ( Executives of Corporate Clients and Partners), E-2 CFT plans. Employment and Studies Plans which includes medical, transfer of remains, reunioin expense. In both the above cases there are deductibles which are applicable. Eligibility Individuals aged between 6 months -70 years are eligible for this policy provided the plans are taken before leaving India.

This New India Assurance Mediclaim Insurance policy protects the insured person against the unexpected hospitalization expenses. And the coverage is inpatient hospitalization expenses where the hospital stay should exceed more than 24 hours( except in case of mentioned day care procedures) and Pre/Post hospitalization expenses upto 30/60 days respectively. However, there are certain exclusions to this mediclaim Insurance policy. Eligibility This can be availed by individuals who are aged between 18-65 years. Children between 18 years till 25 years are also covered provided one of their parents are also covered simultaneously and they are financially dependants on their parents. Premium Family members can be covered in one policy with separate Sum Insured for each Insured Person and one will get Family Discount of 10% on the total premium amount payable. And 11-%-18% discount for New India Assurance plans on family floater basis, minimum two and maximum four additional members. The members of the family include the Proposer, Proposers Spouse, Proposers Children, and Proposers Parents. No Claim Bonus is awarded after every claim free year to the tune of 2%-15% for members upto 60 years and 11%-18% for family floater plans. Sum Insured The sum insured is from Rs 1 lakh to Rs 8 lakhs, maximum limit is Rs 3 lakhs for individuals aged above 55 years. Sum Insured can be enhanced while renewing, however the same will depend on the companys decision for insured members upto 65 years. Also Sum Insured can be enhanced when one wants to transfer from Mediclaim 2007 plan to Mediclaim 2012.

The main features of this New India Assurance mediclaim policy are: Coverage of In-patient hospitalization expenses in India. This plan will be in force when the total of all hospitalization expenses ( except Pre and Post) for one or all members surpasses the limits as mentioned in the plan. This New India Assurance plan will be in force for each and every hospitalization after the limits has been exceeded by the previous hospitalization expenses subject to the Sum Insured as mentioned in the plan. The maximum liability of the company towards all the members is the Sum Insured. The insured person has an option to recover the expense from any other company or this policy, but not both, if there is any expense which has been incurred over and above the limits. Under this New India Health Insurance plan, the Sum Insured is available over and above any reimbursement received from any other company if such amount exceeds the limits. The Sum Insured Under New India Health Insurance available are: New India Health Insurance Eligibility The proposer has to be aged between 18-65 years and other members 3 months – 65 years. Children between 3 months till 18 years are covered under this New India Assurance plan, provided their parents are also covered simultaneously. Children between 18 years till 25 years are also covered provided their parents are also covered simultaneously and they are financially dependants on their parents except for unmarried daughter and where the child is mentally handicapped. Health Check up will be required for person above 50 years of age under Persons above 50 years of age Or Persons with Adverse Medical / Claims history. Tenure of the Plan The policy is only for a period of one year.

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This New India Assurance Plan covers the following Personal Accident Benefits : Accidental death or permanent total disablement to the tune of Rs 2 lakhs Sum Insured. Family Cover Family consisting of two insured dependent children and spouse of the Insured is entitled upto Rs 10000/- maximum in the event of death or permanent disability. Reimbursement of Repatriation / Transport expenses on account of death /permanent total disability / termination of contract on account of contracting major ailments. Reimbursement of Repatriation / Transport expenses due to termination of contract of employment. Hospitalization Cover. Maternity benefit upto Rs 20000/- as in patient in India. Eligibility This policy can be availed by individuals who are Indian Citizens and are aged between 18-60 years havin a valid visa staying abroad for the purpose of employment only for the period of cover as mentioned in the policy.

The Hospitalization expenses include: Room rent, boarding and nursing expenses incurred in actual with a maximum amount of Rs 5000 per day for Rs 500000 Threshold and Rs 8000 per day for Rs 800000 Threshold. Specialists Fee, Consultants, Surgeon, Medical Practitioner, and Anesthetist fees. IICCU/ ICU expenses incurred in actual with a maximum of Rs 10000 per day for Rs 500000 Threshold and Rs 16000 per day for Rs 800000 Threshold. Oxygen, Surgical Appliances, Medicines & Drugs, Blood, Anesthesia, OT Charges, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical operation like pacemaker, related test, X-Ray and other expenses. Under this New India Assurance Plan, get Well Benefit of Rs 5000 for Rs 500000 Threshold and Rs 8000 per day for Rs 800000 Threshold will be paid for any one illness. This is applicable for only for the first four admissible claims under the plan. However, this facility will result in decrease in sum insured. Donors hospitalization expenses. Ambulance service expenses of Rs 5000 for Rs 500000 Threshold and Rs 8000 per day for Rs 800000 Threshold. Hospital Cash benefit under this plan of Rs 500 per day for Rs 500000 Threshold and Rs 800 per day for Rs 800000 Threshold. Cataract operation coverage under this plan will be maximum upto Rs 50000/-. AYUSH treatments are also payable under this plan.

Overview New India Assurance Company Limited is a wholly owned subsidiary of Indian Government and is an multinational insurance contributor present in 27 countries and a market leader in the non life insurance sector in India based from Mumbai. Strong domestic and international presence, a wide range in insurance plans, effective and advanced technology, integrated complaint management structure are some of the keys to the companys success. And last but not the least New India Assurance is the only insurer who is considered as the direct insurer in India.Read More About New India Assurance Here The New India Assurance company has a series of cost efficient health insurance plans for individuals as well as for families which are namely: New India Top Up Mediclaim Policy New India Floater MediclaimPolicy New India Asha KiranPolicy Mediclaim 2012Policy Pravasi Bharatiya Bima YajonaPolicy Mediclaim 2007 Plan. Family Floater MediclaimPolicy Janata MediclaimPolicy Senior Citizen MediclaimPolicy Personal AccidentPolicy Overseas MediclaimPolicy Now lets have an overview of each plan:

This New India Assurance policy covers the following: Pre and Post Hospitalization expenses upto 30 days and 60 days respectively. Hospitalization expenses for the treatment of injury or illnesses which is more than 24 hours. Ambulance Charges as per the limits. Day care treatments where 24 hrs hospitalization is not required. Ayurvedic Treatment of medicine is also covered to the tune of 25% of Sum Insured. Preexisting diseases are covered subject to a waiting a period of 4 years claim free period and 2 years for certain conditions like diabetes, hypertension. Eligibility This can be availed by individuals who are aged between 18-60 years. Children between 3 months till 18 years are also covered provided one of their parents are also covered simultaneously. Features & Benefits Loyalty discounts Good Health Discounts Cumulative Bonus Family Discount Reimbursement of Health check up Income Tax Benefit under section 80D of IT Act. New India Family Floater Mediclaim Insurance Policy This New India Mediclaim policy covers the following: Pre and Post Hospitalization expenses upto 30 days and 60 days respectively. Hospitalization expenses for the treatment of injury or illnesses which is more than 24 hours. Ambulance Charges as per the limits. Day care treatments where 24 hrs hospitalization is not required. Ayurvedic Treatment of medicine is also covered to the tune of 25% of Sum Insured. Pre-existing diseases are covered subject to a waiting a period of 4 years claim free period and 2 years for certain conditions like diabetes, hypertension. Cataract surgery. Eligibility This plan can be availed by individuals who are aged between 18-60 years. The Family Floater Mediclaim Plan can be availed by person upto 60 years of age with self, spouse, maximum two dependent children. Parents/ Parents in law/ brothers and sisters are not covered. Sum Insured & Premium Minimum Sum Insured is 2 lakhs and maximum is Rs 5 lakhs. A load of 50% will be applied to cover spouse, and 25% to cover each dependent child. New India Janata Mediclaim Policy by New India Health Insurance The New India Janata Mediclaim Policy covers the following: Pre and Post Hospitalization expenses upto 30 days and 60 days respectively. Hospitalization expenses for the treatment of injury or illnesses which is more than 24 hours. Ambulance Charges as per the limits. Day care treatments where 24 hrs hospitalization is not required. Ayurvedic Treatment of medicine is also covered to the tune of 25% of Sum Insured. Preexisting diseases are covered subject to a waiting a period of 4 years claim free period and 2 years for certain conditions like diabetes, hypertension. Cataract surgery. Eligibility Individuals aged between 18-60 years and other members 3 months – 65 years. Children between 3 months till 18 years are covered under this plan provided their parents are also covered simultaneously. Sum Insured & Premium Rs 50000 to Rs 75000 and No Claim Bonus is increase in 5% for every claim free year. New India Senior Citizen Mediclaim Plan by New India Health Insurance This New India Health Insurance plan covers Inpatient hospitalization expenses minimum 24 hours which includes ICU charges: Upto 2% of Sum Insured per day (overall limit 25% of sum assured). Room and Nursing Charge: 1% of Sum Insured per day (overall limit 25% of sum assured). Specialists Fee, Consultants, Surgeon, Medical Practitioner, and Anesthetist fees (overall limit 25% of sum assured). Oxygen, Surgical Appliances, Medicines & Drugs, Blood, Anesthesia, OT Charges, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical operation like pacemaker, related test, X-Ray and other expenses-upto 50% of sum insured. Organ Donor hospitalization expenses. Pre/Post hospitalization expenses upto 30/60 days respectively. Ambulance Charges. Limited Ayurvedic treatments are also payable under this policy Preexisting diseases waiting period is 18 months. Eligibility Individuals aged between 60-80 years are eligible for this policy. And the renewability continues till the age of 90 without a break. Health check up is mandatory for all applicants. Sum Insured & Premium Sum Insured is Rs 1 lakh to Rs 1.5 lakhs and No Claim Bonus increase in 5% for every claim free year. Premiums are as lower as Rs 3850 to Rs 7650 depends on the age and sum insured. Again, loading of 10% to 20% will be applicable which depends on the age. There is a family discount of 10%. New India Personal Accident Insurance Plan The below mentioned coverages are there under this New India Health Insurance plan: Table A : Coverage under Table B and Total Disablement Plans. Table B: Coverage under Table C and Permanent Partial Disablement Plans. Table C: Coverage under Table D , loss of two limbs/ both eyes, one limb and one eye, loss of one limb, or one eye and Permanent Total Disablement Plans. Table D : Coverage of Death of 100% of Sum Insured. Read in Detail About New India Personal Insurance Various types of personal accident plans are as under: Group Personal Accident Plans Individual Personal Accident Plans. Passenger Flight coupon. Janata Personal Accident Plan. Student Safety Insurance Plan. Gramin Accident Personal Policy Raj Rajeshwari Mahila Kalyan Yojna Bhagyashree Child Welfare Policy. Eligibility Individuals and dependent family members aged between 5 years -70 years are eligible for this policy. New India Overseas Mediclaim Plan This covers the medical expenses incurred by the insured individuals outside India in terms of bodily injuries or sickness or disease contracted. The plans are : Business and Holiday Plans which includes medical/ repatriation expenses, loss and delay of checked in baggage, loss of passport, personal liability under A-1, A-2 B-1, B-2, E-1 CFT ( Executives of Corporate Clients and Partners), E-2 CFT plans. Employment and Studies Plans which includes medical, transfer of remains, reunioin expense. In both the above cases there are deductibles which are applicable. Eligibility Individuals aged between 6 months -70 years are eligible for this policy provided the plans are taken before leaving India.

This New India Assurance Mediclaim Insurance policy protects the insured person against the unexpected hospitalization expenses. And the coverage is inpatient hospitalization expenses where the hospital stay should exceed more than 24 hours( except in case of mentioned day care procedures) and Pre/Post hospitalization expenses upto 30/60 days respectively. However, there are certain exclusions to this mediclaim Insurance policy. Eligibility This can be availed by individuals who are aged between 18-65 years. Children between 18 years till 25 years are also covered provided one of their parents are also covered simultaneously and they are financially dependants on their parents. Premium Family members can be covered in one policy with separate Sum Insured for each Insured Person and one will get Family Discount of 10% on the total premium amount payable. And 11-%-18% discount for New India Assurance plans on family floater basis, minimum two and maximum four additional members. The members of the family include the Proposer, Proposers Spouse, Proposers Children, and Proposers Parents. No Claim Bonus is awarded after every claim free year to the tune of 2%-15% for members upto 60 years and 11%-18% for family floater plans. Sum Insured The sum insured is from Rs 1 lakh to Rs 8 lakhs, maximum limit is Rs 3 lakhs for individuals aged above 55 years. Sum Insured can be enhanced while renewing, however the same will depend on the companys decision for insured members upto 65 years. Also Sum Insured can be enhanced when one wants to transfer from Mediclaim 2007 plan to Mediclaim 2012.

The main features of this New India Assurance mediclaim policy are: Coverage of In-patient hospitalization expenses in India. This plan will be in force when the total of all hospitalization expenses ( except Pre and Post) for one or all members surpasses the limits as mentioned in the plan. This New India Assurance plan will be in force for each and every hospitalization after the limits has been exceeded by the previous hospitalization expenses subject to the Sum Insured as mentioned in the plan. The maximum liability of the company towards all the members is the Sum Insured. The insured person has an option to recover the expense from any other company or this policy, but not both, if there is any expense which has been incurred over and above the limits. Under this New India Health Insurance plan, the Sum Insured is available over and above any reimbursement received from any other company if such amount exceeds the limits. The Sum Insured Under New India Health Insurance available are: New India Health Insurance Eligibility The proposer has to be aged between 18-65 years and other members 3 months – 65 years. Children between 3 months till 18 years are covered under this New India Assurance plan, provided their parents are also covered simultaneously. Children between 18 years till 25 years are also covered provided their parents are also covered simultaneously and they are financially dependants on their parents except for unmarried daughter and where the child is mentally handicapped. Health Check up will be required for person above 50 years of age under Persons above 50 years of age Or Persons with Adverse Medical / Claims history. Tenure of the Plan The policy is only for a period of one year.

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This New India Assurance Plan covers the following Personal Accident Benefits : Accidental death or permanent total disablement to the tune of Rs 2 lakhs Sum Insured. Family Cover Family consisting of two insured dependent children and spouse of the Insured is entitled upto Rs 10000/- maximum in the event of death or permanent disability. Reimbursement of Repatriation / Transport expenses on account of death /permanent total disability / termination of contract on account of contracting major ailments. Reimbursement of Repatriation / Transport expenses due to termination of contract of employment. Hospitalization Cover. Maternity benefit upto Rs 20000/- as in patient in India. Eligibility This policy can be availed by individuals who are Indian Citizens and are aged between 18-60 years havin a valid visa staying abroad for the purpose of employment only for the period of cover as mentioned in the policy.

The Hospitalization expenses include: Room rent, boarding and nursing expenses incurred in actual with a maximum amount of Rs 5000 per day for Rs 500000 Threshold and Rs 8000 per day for Rs 800000 Threshold. Specialists Fee, Consultants, Surgeon, Medical Practitioner, and Anesthetist fees. IICCU/ ICU expenses incurred in actual with a maximum of Rs 10000 per day for Rs 500000 Threshold and Rs 16000 per day for Rs 800000 Threshold. Oxygen, Surgical Appliances, Medicines & Drugs, Blood, Anesthesia, OT Charges, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical operation like pacemaker, related test, X-Ray and other expenses. Under this New India Assurance Plan, get Well Benefit of Rs 5000 for Rs 500000 Threshold and Rs 8000 per day for Rs 800000 Threshold will be paid for any one illness. This is applicable for only for the first four admissible claims under the plan. However, this facility will result in decrease in sum insured. Donors hospitalization expenses. Ambulance service expenses of Rs 5000 for Rs 500000 Threshold and Rs 8000 per day for Rs 800000 Threshold. Hospital Cash benefit under this plan of Rs 500 per day for Rs 500000 Threshold and Rs 800 per day for Rs 800000 Threshold. Cataract operation coverage under this plan will be maximum upto Rs 50000/-. AYUSH treatments are also payable under this plan.

Overview New India Assurance Company Limited is a wholly owned subsidiary of Indian Government and is an multinational insurance contributor present in 27 countries and a market leader in the non life insurance sector in India based from Mumbai. Strong domestic and international presence, a wide range in insurance plans, effective and advanced technology, integrated complaint management structure are some of the keys to the companys success. And last but not the least New India Assurance is the only insurer who is considered as the direct insurer in India.Read More About New India Assurance Here The New India Assurance company has a series of cost efficient health insurance plans for individuals as well as for families which are namely: New India Top Up Mediclaim Policy New India Floater MediclaimPolicy New India Asha KiranPolicy Mediclaim 2012Policy Pravasi Bharatiya Bima YajonaPolicy Mediclaim 2007 Plan. Family Floater MediclaimPolicy Janata MediclaimPolicy Senior Citizen MediclaimPolicy Personal AccidentPolicy Overseas MediclaimPolicy Now lets have an overview of each plan: