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

About New India Top-Up Mediclaim Policy

A quick read on what this New India Health Insurance plan covers and why it might be a fit for you.

New India Top-Up Mediclaim is a top-up insurance plan that covers hospitalization expenses once your base health insurance is exhausted. The policy is designed to provide additional health insurance coverage in case there are other medical expenses and can be issued on an individual and family floater basis. However, it is not mandatory to have a base health insurance policy to purchase a New India Assurance Top-Up Policy. Individuals who invest in this policy will be entitled to a wide range of sums insured from 5 to 22 Lakh. New India Top-Up Mediclaim offers cover to up to 6 family members under the family floater variant with the entry age variant of prosper being 18 to 65 years and for other dependent members 3 months. New India Assurance Top-Up Policy offers a plethora of coverage benefits such as:

  • Room Rent
  • ICU
  • Cataract
  • Get Well Benefit
  • Hospital Cash
  • Ambulance Charges and more

To find out more details about New India Top-Up Mediclaim keep reading below to make an informed decision.

 

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

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

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 Top-up Mediclaim At A Glance

Plan Type Sum Insured Network Hospital PED Waiting Period
Individual/Family Floater 5 to 22 Lakhs 3000+ 48 Months

Claim Process of New India Top-Up Mediclaim

Mentioned below are the claim process steps toward the New India Top-Up Mediclaim Policy:

  • Intimate the TPA in writing on detection of any Illness or Injury being suffered immediately or 48 hours before Hospitalisation.
  • Intimate within twenty-four hours from the time of Hospitalisation in case of Hospitalisation due to a medical emergency.
  • Submit the following supporting documents TPA relating to the claim within seven days from the date of discharge from the Hospital:
    • Bill, Receipt, and Discharge certificate/card from the Hospital.
    • Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.
    • Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.
    • Surgeon's certificate stating the nature of the operation performed and the Surgeons' bill and receipt.
    • Attending Doctor's/ Consultant's/ Specialist's / Anesthetist's bill and receipt, and certificate regarding diagnosis.
  • In case of Post-Hospitalisation treatment (limited to sixty days), submit all claim documents within 7 days after completion of such treatment.
  • Provide TPA with authorization to obtain medical and other records from any Hospital, Laboratory or other agency.

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 →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Premium Table For New India Top-Up Mediclaim

The premium table for New India Assurance Top-Up Mediclaim is given below:

1 Adult

Sum Insured (INR) 5 L 12 L 17 L 22 L
Premium (INR) 1,800 2,300 3,000 3,600

2 Additional Member

Sum Insured (INR) 5 L 12 L 17 L 22 L
Premium (INR) 900 1,150 1,500 1,800

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the New India Top-Up Mediclaim Plan are:
  • Sexually transmitted disease or HIV/AIDS
  • Influence of intoxicating liquor or drugs
  • Suicide or attempted suicide, intentional self-injuries
  • Congenital external diseases, defects, or anomalies
  • The insured person committing any breach of law
  • Birth control procedures and hormone replacement therapy
  • Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
  • Listed ailments after 24/36 Months
  • Pre-existing diseases after 36 Months

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

Other features & benefits

What Is Covered Under New India Top-Up Mediclaim?

The New India Assurance Top-Up Policy includes the following coverage and benefits for its customers:

Coverage Term 5 Lakh - 22 Lakhs
Room Rent Rs. 5k per day for 5 Lakh Threshold Rs. 8k per day for 8 Lakh Threshold
Intensive Care Unit (ICU) Rs. 10k per day for 5 Lakh Threshold
Rs. 16k per day for 8 Lakh Threshold
Doctor’s Consultation Covered
Cost of Medicines Covered
Organ Donor Expenses Covered
Get Well Benefit 5k for 5 Lakh Threshold
8k for 8 Lakh Threshold
Emergency Ambulance Services 5k for 5 Lakh Threshold
8k for 8 Lakh Threshold
Hospital Cash INR 500 per day for 5 Lakh Threshold
INR 800 per day for 8 Lakh Threshold
Cataract Cover Available, up to INR 50k
AYUSH Treatment Covered
Treatment for Mental Illnesses Covered, up to 25% of Sum Insured per policy period

What Is Not Covered Under New India Top-Up Mediclaim?

New India Assurance Top-Up Policy is mentioned below:

  • Sexually transmitted disease or HIV/AIDS.
  • Influence of intoxicating liquor or drugs.
  • Suicide or attempted suicide, intentional self-injuries.
  • Congenital external diseases, defects, or anomalies.
  • The insured person committing any breach of law.
  • Birth control procedures and hormone replacement therapy

New India Top-Up Mediclaim Policy: FAQs

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.

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