New India Floater Mediclaim - Benefits, Reviews, Renewal
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New India Flexi Floater Mediclaim Policy

New India Flexi Floater Mediclaim is amongst the well-recognized insur ...Read More

Up to 2 Crore
Sum insured
1
No. of plans
1800+
Pan India presence
90.73%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 3,000+ hospitals
📊 1.91 solvency ratio
✅ 90.73% claim settlement

New India Flexi Floater Mediclaim is amongst the well-recognized insurance plans when opting for a comprehensive health insurance plan with 3 optional covers.

Why Do We Recommend This?
  • Cumulative Bonus
  • New Born Baby Cover
  • Cataract claims covered

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Family
Sum insured options
₹2 L, ₹3 L, ₹5 L, ₹8 L, ₹10 L, ₹12 L, ₹15 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Cumulative Bonus
  • New Born Baby cover
  • Critical Care Benefit

Cons

  • Illegal Activities
  • Adventure Sports
  • Self-inflicted Injuries

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and 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.

New India Health Insurance Network Hospital List

New India Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, New India Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Frequently Asked Questions

The 5 most-asked questions about New India Flexi Floater Mediclaim Policy, answered.

An individual between the age of 18 to 65 years can invest in the New India Floater Mediclaim Policy along with dependent children between the age of 3 months to 25 years.
Individuals can cover entire families under New India Floater Mediclaim Policy such as self, Spouse, Dependent Children, and Parents.
Yes, hospitalization expenses are covered under New India Floater Mediclaim Policy up to S.I.
Yes, up to 10% of S.I. would be paid as Critical Care Benefit in case an insured life is diagnosed with a critical illness during the policy tenure.
Individuals can get treatment for over 130+ day care procedures under New India Floater Mediclaim.

Explore New India Health Insurance

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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: 19 May 2026 · Originally published: 29 Oct 2024

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