New India Top-Up Mediclaim Policy: Benefits, Premium and Eligibility
New India Health Insurance New India Health Insurance ★ 4.4

New India Top-Up Mediclaim Policy

New India Top-Up Mediclaim is a top-up insurance plan that covers hosp ...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 Top-Up Mediclaim is a top-up insurance plan that covers hospitalization expenses once your base health insurance is exhausted.

Why Do We Recommend This?
  • Room Rent
  • ICU
  • Avail coverage for cataract

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
Top Up and Super Top Up
Sum insured options
₹5 L, ₹10 L, ₹7 L, ₹12 L, ₹17 L, ₹15 L, ₹22 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

  • Hospital Cash
  • Ambulance Cover
  • Zero Co-pay

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 Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

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

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 22 L

Frequently Asked Questions

The 5 most-asked questions about New India Top-Up Mediclaim Policy, answered.

The entry age for adults is 18 to 65 years while dependent children can be covered from the age of 3 months to 25 years under the New India Top-Up Mediclaim.
The sum insured options available under New India Top-Up Mediclaim Policy are: 5 L 7 L 10 L 12 L 15 L 17 L 22 L
The plan tenure is 1 year under the New India Top-Up Mediclaim policy.
Yes, New India Top-Up Mediclaim Policy premiums are eligible for tax benefits under the Income Tax Act of India.
No, maternity cover is unavailable under the New India Top-Up Mediclaim policy.

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

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

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,686 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free