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New India Health Insurance

Founded in 1919 by Sir Dorabji Tata, New India Assurance Company was among India& 039;s first insurers, driven by a ...Read More

3,000+
Cashless hospitals
90.73%
Claim settlement
2 Crore
Max sum insured
11
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 3,000+ hospitals
📊 1.91x solvency ratio
✅ 90.73% claim settlement

What you get with New India Health Insurance

The headline features and policy mechanics, at a glance.

Sum insured up to 2 Crore

Coverage scales from entry-level individual plans to high-end family-floater protection.

3,000+ cashless hospitals

Direct billing at network hospitals across 1800 presence — no out-of-pocket payment at admission.

90.73% claim settlement

Industry-leading approval rate on eligible claims received in the most recent fiscal year.

1.91x solvency ratio

Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.

11 active plans

Choose from individual, family floater and senior-citizen variants to match your household.

About New India Health Insurance

A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.

New India Health Insurance Company

The New India Assurance Company Limited is one of the oldest and most trusted insurance companies in India. It was started in 1919 by Sir Dorabji Tata. The company is owned by the Government of India and is based in Mumbai. It works not only in India but also in more than 25 countries. It offers different types of insurance like health, motor, and property. With over 100 years of experience, it is known for being reliable and strong in the insurance industry.

What does New India Health Insurance Company do?

For 50 years, New India Assurance Company has offered several health insurance products for individuals and families. Their main agenda is to make insurance understandable and accessible for all.

3769+

1

Network
Hospitals

1,800+

2

Offices
Across India

2 Cr+

3

Policies
Issued

Up to 2 Cr

4

Sum
Insured

24X7

5

Customer
Support

What are some of the
Features
that set them apart?

  • 1

    Presence across 25 countries

  • 2

    A comprehensive wellness system to promote a healthy lifestyle

  • 3

    Health and wellness services provided to customers

  • 4

    International travel for treatments

  • 5

    Unlimited teleconsultations

New India Health Insurance Awards and Accolades.

  1. Most preferred workplace award for FY 2022-23 from BFSI Award
  2. General Insurance Company of the Year for FY 2022-23
  3. ETascent Stars of the Industry Award for Excellence and Leadership in BFSI
  4. Skoch Challenger Award
  5. First MCA Corporate Trophy

Choose New India Health Insurance Coverage of Your Choice

Select a sum insured option below to compare health plans matching your coverage need.

2 Crore Health Insurance

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.

New India Health Insurance

New India Health Insurance

This video talks about New India Health Insurance in detail. It talks about key features like Solvency Ratio, Claim Support Ratio which help an individual to analyze if the Insurer matches with his/ her requirements.

All 11 New India Health Insurance plans

Every plan currently being sold by New India Health Insurance, shown side-by-side so you can shortlist quickly.

Most popular Individual and Family Health Insurance

Yuva Bharat Plan

India is experiencing a youth-driven demographic shift, and health insurance providers are stepping up with specialized plans. The Yuva Bha…

Sum insured 5 L, 10 L, 15 L, 25 L,50 L, 75 …
Entry age Min- 91 days, Max- 45 years
  • Personal accident benefits
  • Critical illness benefits
  • Air ambulance
View plan
Group Health Insurance

Flexi Floater Group Mediclaim

New India Flexi Floater Group Mediclaim Policy is a comprehensive health insurance plan. Since a group health insurance policy is designed …

Sum insured N/A
Entry age 18 to 60 Years
  • Lasik Surgery
  • Maternity Cover
  • New Born Cover
View plan
Critical Illness Health Insurance

New India Cancer Guard

New India Cancer Guard Policy by New India Assurance is a health insurance plan that provides a financial cushion for expensive treatments …

Sum insured 5 L, 10 L, 15 L, 25 L, 50 L
Entry age 3 months to 65 Years
  • Chemotherapy
  • Radiotherapy
  • Organ Transplant
View plan
Individual and Family Health Insurance

New India Premier Mediclaim

New India Premier Mediclaim Policy is a versatile health insurance policy that can cover up to 6 members of your family under a single poli…

Sum insured 15 L, 25 L, 50 L, 1 Cr
Entry age 18 to 65 Years
  • Room rent cover
  • ICU cover
  • Critical Illness benefit
View plan
Family

New India Flexi Floater Mediclaim Policy

New India Floater Mediclaim by New India Assurance is amongst the well-recognized insurance plans when opting for a comprehensive New India…

Sum insured 2 L, 3 L, 5 L, 8 L, 10 L, 12 L,…
Entry age 18 to 65 Years
  • Cumulative Bonus
  • New Born Baby cover
  • Critical Care Benefit
View plan
Senior Citizen Health Insurance

New India Senior Citizen Mediclaim Policy

New India Assurance Senior Citizen Mediclaim Policy is a comprehensive plan which provides many benefits such as medical cover, cashless ho…

Sum insured 1 L, 1.5 L
Entry age 60 to 80 Years
  • Room Rent Cover
  • ICU Cover
  • Hospital Cover
View plan

Quick comparison

Side-by-side across the 3 most-bought New India Health Insurance plans on PolicyX.

New India Health Insurance plan comparison
Feature Yuva Bharat Plan Flexi Floater Group Mediclaim New India Cancer Guard
Plan type Individual and Family Health Insurance Group Health Insurance Critical Illness Health Insurance
Sum insured 5 L, 10 L, 15 L, 25 L,50 L, 75 … N/A 5 L, 10 L, 15 L, 25 L, 50 L
Entry age Min- 91 days, Max- 45 years 18 to 60 Years 3 months to 65 Years
Top benefits Personal accident benefits · Critical illness benefits Lasik Surgery · Maternity Cover Chemotherapy · Radiotherapy

What's covered — and what's not

The standard inclusions and exclusions across New India Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.

✓ Inclusions

  • New India Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
  • Most New India Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
  • New India health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
  • Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the New India health insurance plans are designed to cover daycare procedures for policyholders.
  • On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. New India health insurance plans cover domiciliary hospitalization up to specified sub-limits.

✗ Exclusions

  • New India health policies will not cover injuries or hospitalization caused by self-harm.
  • New India Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
  • New India Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
  • New India Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
  • New India health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

Documents required

For policy purchase and claim submission. Have these ready before you start.

  • Duly completed and signed claim form, in original
  • Valid photo-ID proof
  • Medical practitioner's referral letter and prescription
  • Original bills, receipts, and discharge cards from the hospital/medical practitioner
  • Original bills from pharmacy/chemists
  • Original pathological/diagnostic tests reports/radiology reports and payment receipts
  • Indoor case papers
  • First Information Report, final police report, if applicable
  • Post-mortem report, if conducted
  • Any other document as required by the company to assess the claim

3,000+ cashless hospitals

Find a New India Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.

Choose your city

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

View all New India Health Insurance network hospitals →

Buy, claim, renew, port — step-by-step

Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.

If you are looking forward to purchasing New India Health insurance online follow the simple steps below:

  • Step 1

    Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.

  • Step 2

    Click on 'Get free quotes' and compare New India Health Insurance Plans as per your needs.

  • Step 3

    Select and pay premiums online for the purchased star health insurance plan of your choice.

  • Step 4

    Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your New India Health Insurance plan.

You can file for cashless as well as reimbursement claims for your New India Health Insurance Plans by following these easy steps:

  • Step 1

    Visit the website of New India Health Insurance, and select the "Register A Claim" option

  • Step 2

    Select customer login or Register yourself by providing the details they ask for

  • Step 3

    Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.

  • Step 4

    Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.

  • Step 5

    Upload the documents asked and click on the "review" button.

  • Step 6

    After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

Follow the steps for New India Health Insurance policy renewal

  • Step 1

    Visit the official website of New India Health Insurance Company

  • Step 2

    Click on the ‘Quick Help> Quick Renew’ tab

  • Step 3

    Enter Customer ID and Renewed Quote No. (received through SMS) or Old Policy No.

Connect with our insurance experts for New India health insurance policy renewal at 1800 - 4200 - 269

Frequently asked questions

The 15 most-asked questions about New India Health Insurance, answered.

Yes. You can cover your entire family under a single sum insured. The members covered in this policy are the self, spouse, and dependent daughters (maximum two).
There are two ways to pay the premium: Offline i.e., through cash, demand draft and cheque Online i.e., through credit card, debit card, net banking
This policy is available only for Indians living in India and not to NRIs, OCIs, or PIOs.
Yes, the company offers a 10% discount for voluntary excess of Rs.10,000 and a 10% family discount if the spouse is covered.
Of course, they do. Along with lifestyle habits, your age, profession, coverage amount, etc. have an impact on health insurance premiums.
One can check the status of their policy by going to the website and logging in by using their customer ID and password.
New India Medical Insurance requires candidates to pass a pre-acceptance medical examination if they are above 50 years. However, the terms & conditions may vary. Therefore, go read the policy brochure thoroughly.
As per the guidelines issued by IRDAI, it is mandatory for every Health Insurance company to offer coverage against Covid-19.
Yes. New India Assurance offers TAX Benefits to the policyholders against the premiums paid under Section 80D of the Income Tax Act, 1961.
In case you are not happy with the policy and wish to cancel the insurance within the free-look period that is of 15 days from the date of policy inception, you may do so by returning the policy documents and submitting a completed surrender form to the nearest branch office. If no claim has been filed, the insurance can be canceled at any moment throughout the policy period. The insurer will process any claim requests submitted before the insurance is canceled.
The New India Assurance Health Insurance Company offers various health insurance online as mentioned below: Arogya Sanjeevani Policy Corona Kavach Policy New India Asha Kiran Policy New India Cancer Guard Policy New India Floater Mediclaim Policy New India Mediclaim Policy New India Premier Mediclaim Policy New India TOP-UP Mediclaim Policy Young India Digi Health Policy Yuva Bharat Health Policy
Follow the below steps to renew your New India Health Insurance Plans: Visit the official website of New India Health Insurance. On the menu bar click on the ’Quick help’ option. For Quick Renewal - Enter Customer ID and Renewed Quote No. (received through SMS) or Old Policy No. View your details and save your Quote to proceed. Pay premium using Credit Card/Debit Card/Net Banking.
Health Insurance Policies have become an integral part of every citizen’s financial planning as it protects individuals and their families from getting crushed under the ever-increasing medical bills. New India Assurance has been one of the first insurance providers in the country to provide health insurance solutions to millions of policyholders. Below are the reason to buy New India Health Insurance policies: Large network of cashless hospitals Impressive Claim settlement A wide array of health insurance products A high solvency ratio
Yes. Unless the Insured Person is Hospitalised for a condition warranting Hospitalisation, no claim is payable under Policy
Maternity shall be covered provided the Insured mother has Continuous Coverage of thirty-six months in the New India Premier Mediclaim Policy.

Compare Health Insurance Companies

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Customer satisfaction

Aggregate ratings from 2,689 verified PolicyX customers who bought a New India Health Insurance plan.

4.4
out of 5
2,689 reviews
5 star
60%
4 star
25%
3 star
10%
2 star
4%
1 star
1%

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 30 Oct 2024 · Originally published: 30 Oct 2024

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