
New India Premier Mediclaim Policy Plan
New India Assurance
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features

Room Rent (Normal & ICU)
Room rent is capped at 1% of the sum insured per day and ICU charges are capped at up to 2% of the sum insured per day.

Advanced Treatments
Covers robotic surgeries, chemotherapy, stem cell therapy, and specialized treatments, ensuring access to modern medical advancements
Policy Wording
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Our Verdict
New India Premier Mediclaim offers high sum insured options and covers advanced treatments with add-ons like global treatment and critical illness. It's a robust choice for individuals and families seeking extensive, high-value health coverage with international options.
About the Plan
New India Premier Mediclaim is a comprehensive health insurance plan designed to offer extensive coverage for individuals and families. It provides high sum insured options, covering hospitalization expenses, advanced medical treatments, and daycare procedures. The plan includes room rent benefits, ICU charges, and pre- and post-hospitalization costs. It also offers coverage for modern treatments and organ donor expenses. With a range of add-ons, no-claim bonuses, and global coverage options in select variants, this plan ensures financial security against major medical expenses.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Room rent is covered up to 1% of the sum insured per day, while
ICU charges are covered up to 2% of the sum insured per day.
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 Premier Mediclaim plan has a co-payment of 10% applicable to all claims if the insured person is over 60 years old at the time of entry into the policy.
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 until the completion of the waiting period.
Cosmetic and aesthetic treatments, unless medically necessary, are excluded.
Dental, hearing, and vision-related treatments unless caused by an accident.
Injuries or illnesses resulting from drug or alcohol abuse.
Self-inflicted injuries, suicide attempts, or harm due to negligence.
Treatments related to infertility, surrogacy, or assisted reproductive technology.
Experimental, unproven, or non-standard medical treatments.
Injuries due to participation in hazardous sports or adventure activities.
War, nuclear radiation, or acts of terrorism-related injuries.
Non-prescribed supplements, vitamins, and alternative therapies.
Exclusions
Maternity Cover - Provides coverage for maternity expenses, including delivery and newborn care, ensuring financial support for expecting mothers.
Critical Illness Cover - Offers additional coverage for life-threatening illnesses like cancer, stroke, and heart disease, providing a lump sum payout for treatment.
Personal Accident Cover - Provides financial protection in case of accidental death or disability, ensuring financial stability for the insured and their family.
OPD Cover - Covers outpatient consultations, diagnostic tests, and prescribed medications, reducing the financial burden of routine medical expenses.
Global Treatment Cover - Extends coverage for specified medical treatments abroad, allowing access to international healthcare facilities for advanced procedures.
Add-ons
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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.