New India Assurance Mediclaim Policy - Reviews and Renewal Online
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New India Medicare Policy

New India Assurance Mediclaim Policy offered by New India Assurance He ...Read More

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

New India Assurance Mediclaim Policy offered by New India Assurance Health Insurance Company is a health plan that covers you and your family against any unfortunate hospitalization expenses.

Why Do We Recommend This?
  • Avail Room rent cover
  • Emergency ambulance cover
  • Avail cataract coverage

Plan at a glance

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

Entry age
18 Year to no age limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹8 L, ₹10 L, ₹12 L, ₹15 L
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

  • AYUSH Cover
  • Modern Treatment
  • Health Check-up

Cons

  • Illegal Activities
  • Alcoholism and Drug Abuse
  • Adventure Sports

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 Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not 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: No Limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Frequently Asked Questions

The 9 most-asked questions about New India Medicare Policy, answered.

Yes, it is a health plan that covers you and your family against any unfortunate hospitalization expenses. This plan includes up to 6 family members (self, spouse, parents, and children) and all the individuals should be aged between 18 years to 65 years.
Yes, it is amongst the oldest insurance providers in the country. New India Insurance offers efficient and comprehensive plans to secure your and your family’s health.
The grace period is 30 days immediately following the premium due date.
No, it is not covered. However, Dental treatment is done if caused due to an Injury.
Yes, 139 daycare procedures are covered in New India Mediclaim Policy.
Ayurveda and Homeopathy Expenses incurred for Ayurveda and Homeopathy treatment are admissible up to 25% of the sum insured for any one illness.
Yes, Maternity cover is available for SI opted equal to or more than 5 Lakh INR. On payment of additional premium, Maternity Expenses up to 10% of the average Sum Insured.
Yes, the policyholder gets @25% SI for claim free year with Max 50% of SI.
Yes, the New India Mediclaim Policy provides Health Check Up for every 3 claim-free years.

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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