New India Flexi Floater Group Mediclaim Policy - Benefits, Coverage, Features
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Flexi Floater Group Mediclaim

New India Flexi Floater Group Mediclaim Policy is a versatile group he ...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 Group Mediclaim Policy is a versatile group health insurance plan designed to offer financial protection and risk mitigation to the members of the group collectively under a single policy.

Why Do We Recommend This?
  • Reimbursement of Hospitalisation Expenses
  • Pre-hospitalization Cover
  • Post-hospitalization Cover

Plan at a glance

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

Entry age
18 to 60 Years
Plan type
Group Health Insurance
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year

*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

  • Lasik Surgery
  • Maternity Cover
  • New Born Cover

Cons

  • Illegal actvities
  • Alcoholism and drug abuse
  • self-inflicted harm

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 Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

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

Family & special care

  • Maternity cover Not 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 Covered
  • Second medical opinion Not covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage 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: 60 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 L

Frequently Asked Questions

The 11 most-asked questions about Flexi Floater Group Mediclaim, answered.

The plan ensures that the room rent does not exceed 1% per day, providing cost-effective accommodation during hospitalization.
The coverage includes expenses for specialized medical professionals, monitoring equipment, and essential devices, with a limit of 2% of the sum insured per day.
The plan covers a wide range of medical expenses, including professional fees for surgeons, anesthetists, consultants, and specialists. It also includes costs for anaesthesia, blood, oxygen, operating theater charges, and various procedures such as dialysis, chemotherapy, and radiotherapy.
Yes, ambulance charges are covered under the Flexi Floater Group Mediclaim Policy. The plan covers ambulance charges up to 1% of the sum insured or the actual expenses, whichever is lower, with a maximum limit of Rs. 2,500.
Yes, the New India Flexi Floater Group Mediclaim Policy covers organ transplantation expenses.
Yes, the policy covers 30 days of pre-hospitalization expenses and 60 days of post-hospitalization expenses, with a hospitalization duration of more than 24 hours.
Yes, the policy provides cover for daycare treatment expenses up to a specified limit where 24-hour hospitalization is not required.
Yes, the policy offers 25% compensation for Ayurvedic, Homeopathic, and Unani treatments done in government hospitals.
Coverage for pre-existing diseases is available after four years of continuous claim-free renewals.
Yes, there are special inclusions such as coverage for impairment of persons’ intellectual faculties, artificial life maintenance, puberty and menopause-related disorders, age-related macular degeneration (ARMD), behavioral and neurodevelopmental disorders, genetic diseases or disorders, and treatment of mental illness and neurodegenerative disorders.
The Cancellation Clause of the New India Assurance Group Mediclaim Policy is as follows: The insurance company has the authority to cancel the policy by sending the insured a formal letter with a 30-day prior notification. In case of cancellation, the company will refund the premium based on the short-period rate table of the policy.

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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: 5 Jun 2026 · Originally published: 29 Oct 2024

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