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- This policy comes with two variants Plan A (SI is INR 15 - 25 Lakhs) and Plan B (SI is INR 50 Lakhs - 1 Crore) and you can choose your plan as per your need.
- The incurred maternity expenses are covered by the insurer at a maximum of INR 50K and 1 Lakh for plan A and plan B respectively.
- The insured can cover their spouse, dependent children, and parents under the same policy.
- Insured members and the policyholder/s below the age of 50 years are not required to undergo a pre-policy medical check-up.
- The policy covers major hospitalization charges including non-medical expenses, daily hospital cash benefits, consultation charges, ICU, room rent, and so on.
- There is a lifelong renewability with this plan.
- Get INR 2K and 4K for Plan A and Plan B respectively as a hospital cash benefit.
- You can avail of a tax exemption against the overall paid premium under Section 80D of the Income Tax Act, 1961 of India.
Eligibility Criteria For Buying New India Assurance Maternity Cover
Read below the eligibility criteria, the offered sum insured, and the specified waiting period of New India Assurance Maternity Cover:
| Minimum age limit | Child- 91 days Adult- 18 years |
| Maximum age limit | Child- 25 years Adult- 65 years |
| Sum insured | Plan A: INR 15 L - 25 L Plan B: INR 50 L - 1 Crore |
| Waiting period | 12 - 36 months |
| Policy tenure | 1 year |
Note: Generally, the maximum age limit for maternity coverage benefits under the health insurance policy is 45 years. However, this may vary from plan to plan. You should check the exact figures in your policy prospectus.
Inclusions of Maternity Cover in New India Assurance Health Policy
Here is the scope of coverage for maternity and other maternity/pregnancy-related expenses under New India health insurance is as follows:
- Get potential medical coverage for yourself and other family members including spouse, parents and dependent
- The newborn baby is covered against any illness from the day after his/her birth.
- Room rent, nursing charges, surgeon’s fees, ICU, hospitalization (in-patient), and so on are covered.
- Avail of the treatment expenses up to 20% of the sum insured for AYUSH hospitalization.
- OPD expenses are covered twice in a policy year.
- Road ambulance and air ambulance in an emergency are covered to transport the patient to medical facilities.
- The policy covers HIV/AIDS and STD-related medical issues.
Exclusions of Maternity Cover in New India Assurance Health Policy
Here are some of the standard exclusions of New India Assurance health insurance with maternity coverage:
- Treatment of any pre-existing condition/disease (before 36 months)
- Any illness during the first 30 days of policy accession
- All internal and external benign tumors, cataracts, hernia, diabetes, hypertension, skin disorders, varicose veins, etc
- Joint replacement, osteoarthritis, and osteoporosis
- War, invasion, military/army operations, nuclear weapon/ionizing radiation, and so on
- Cosmetic or aesthetic treatment, plastic surgery (except accidental burns or injury)
- Eyecare wearables, dental/oral treatment, etc
- Congenital internal and external disease or anomalies (except to the extent cover is provided)
- STD/AIDS (except to the extent coverage is provided)
- Psychiatric and psychosomatic disorder (except to the extent cover is provided)
- Weight management/obesity
- Unproven/experimental treatment, and
Others, as specified in the terms and conditions of your policy document.
Note: All the inclusions and exclusions related to the New India Assurance health insurance maternity coverage are just a common reflection of the maternity insurance plans. However, these may vary from one plan to the other, depending on which plan have you opted for.
Long Story Short
New India Premier Mediclaim Policy covers the policyholder and their family members against all medical emergencies. Additionally, it provides financial and necessary medical support for maternity-related expenses. Anybody who wants to secure their future and is planning to expand their family can buy the New Indian Assurance health insurance with maternity coverage.
Do you have a query about New India health insurance plans for maternity coverage? Reach out to the maternity insurance experts at PolicyX by giving us a call at 1800 4200 269 and get free consultations for choosing the best maternity plan.
