New India Assurance Global Mediclaim Policy Plan
New India Assurance
7.8/10
OneAssure Rating
7.8/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers a single private room and ICU charges up to the sum insured, ensuring quality hospitalization benefits.
Day Care Treatments
Covers over 140 medical procedures that require hospitalization of less than 24 hours, including cataract surgery and chemotherapy.
Policy Wording
Explore more features
Our Verdict
The New India Assurance Global Mediclaim Policy, while offering global coverage for critical illnesses at specified centers, presents cons like mandatory pre-policy tests and suitability primarily for those with existing high base coverage (₹8 lakhs+). It's designed for individuals seeking specialized overseas treatment options for listed ailments, provided they meet the stringent health criteria.
About the Plan
New India Global Mediclaim Policy is a comprehensive health insurance plan designed to provide coverage for medical treatments both in India and abroad. It offers high sum insured options to ensure policyholders receive quality healthcare worldwide. The plan covers hospitalization expenses, advanced medical treatments, and critical illnesses, providing financial security during medical emergencies. With its global reach, policyholders can access top-tier hospitals internationally. Additionally, the plan includes optional add-ons for enhanced coverage, making it an ideal choice for extensive health protection.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
New India Global Mediclaim Policy offers flexible room rent coverage, allowing policyholders to choose any hospital room, including ICU, without specific sub-limits.
Advanced Treatments
Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.
Co-payment
The New India Global Mediclaim Policy has no mandatory co-payment for most age groups. However, a co-payment may apply for senior citizens or specific treatments
Waiting Periods
Initial Waiting Period: 30 days (except for accidents).
Specific Diseases: 24 months waiting period.
Pre-existing Diseases: 48 months waiting period.
Cashless Healthcare Providers
Access to an extensive network of over 5,000+ hospitals across India for cashless treatment.
Day Care Treatments
Covers over 140 daycare procedures requiring hospitalization of less than 24 hours.
AYUSH Treatment
Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.
Exclusions
Pre-existing diseases are not covered during the initial waiting period as specified in the policy terms.
Treatments related to self-inflicted injuries, suicide attempts, or substance abuse are excluded.
Cosmetic or aesthetic procedures, unless medically necessary due to accidents, are not covered.
Expenses for dental treatment, unless required due to an accident, are not reimbursed.
Any treatment related to infertility, IVF, or assisted reproductive technologies is excluded.
Injuries or illnesses caused due to participation in hazardous activities or adventure sports are not covered.
Treatment for HIV/AIDS and other sexually transmitted diseases is excluded.
Expenses related to unproven, experimental, or alternative treatments without regulatory approval are not covered.
Any hospital admission primarily for diagnostic purposes without active treatment is excluded.
Non-medical expenses such as dietary supplements, health tonics, and convenience-related costs are not covered.
Exclusions
Enhanced Room Rent Limit - Allows policyholders to upgrade their hospital room category beyond standard limits, offering greater flexibility and comfort during hospitalization.
OPD and Preventive Care - Covers outpatient expenses, including doctor consultations, diagnostic tests, and preventive healthcare, reducing out-of-pocket medical costs.
Maternity and Newborn Cover - Provides financial assistance for maternity expenses, including delivery costs and newborn care, ensuring comprehensive family protection.
Critical Illness Booster - Enhances coverage for critical illnesses, offering a higher sum insured and additional financial support for severe medical conditions.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
New India Assurance was founded in 1919 and is one of India's premier multinational general insurance companies. It was founded by Sir Dorabji Tata. The Company’s headquarter is in Mumbai, Maharashtra.
New India Assurance is a leading multinational general insurance company offering a wide range of products, including motor, health, travel, and property insurance. It caters to individuals, businesses, and government sectors. The company aims to provide affordable and reliable insurance solutions, with a focus on customer satisfaction and comprehensive coverage. Its plans are designed to meet diverse needs, providing financial security and risk protection to a broad customer base.
About the Company
Still Confused ?
Frequently Asked Questions
Related Blogs
Arogya Sanjeevani Policy: Key Features, Benefits, and Updates
Discover the Arogya Sanjeevani Health Insurance Policy, enhancing accessibility and affordability in India. Evaluate your needs and finances before investing.
10 Health Insurance Benefits You Should Check for in Your Policy
Discover the 10 advantages of insurance and learn how health insurance can protect your family and finances during unforeseen medical events.