New India Top Up Mediclaim Policy And Plan
New India Assurance
6.9/10
OneAssure Rating
6.9/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
Provides shared accommodation for normal hospitalization and ICU expenses up to the sum insured, ensuring affordability and comfort.
Co-payment
No mandatory co-payment, ensuring full claim settlements without policyholders having to pay additional expenses.
Policy Wording
Explore more features
Our Verdict
The New India Top-up Mediclaim offers additional coverage beyond your base plan, with flexible deductible options and extensive benefits like critical illness and maternity cover. Ideal for those seeking extra protection at affordable rates.
About the Plan
The New India Top-up Mediclaim is a health insurance plan designed to provide additional coverage beyond a specified deductible limit. It covers hospitalization expenses, including pre- and post-hospitalization, daycare procedures, ICU charges, ambulance costs, and AYUSH treatments. Available for individuals and families, the policy offers sum insured options from ₹5 lakh to ₹22 lakh with deductible choices. It includes lifetime renewability, cashless treatment at network hospitals, and coverage for pre-existing diseases after 4 years, ensuring financial security against high medical expenses.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Shared accommodation,
ICU: Covered up to sum insured.
Advanced Treatments
Covers modern medical procedures, including Robotic surgery, Stem cell therapy, and Organ transplants as per policy terms.
Co-payment
No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.
Waiting Periods
Pre-existing diseases covered after 4 years;
Specific illnesses have a 2-year waiting period.
Cashless Healthcare Providers
Access to 6,000+ network hospitals across India for cashless treatment and hassle-free hospitalization.
Day Care Treatments
Covers 140+ procedures, including cataract surgery, dialysis, and chemotherapy, without requiring 24-hour hospitalization.
AYUSH Treatment
Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments up to a specified limit under the policy.
Exclusions
Pre-existing diseases are not covered for the first 4 years.
Medical expenses related to self-inflicted injuries, suicide attempts, or substance abuse.
Treatments for cosmetic surgery, plastic surgery, unless medically necessary due to injury or illness.
Dental procedures, unless required due to an accident.
Expenses for alternative therapies beyond specified AYUSH limits.
HIV/AIDS & sexually transmitted diseases are not covered.
Injuries due to war, terrorism, nuclear exposure, or hazardous activities.
Maternity expenses (unless opted as an add-on benefit).
Treatments related to obesity, weight control surgeries, and experimental procedures.
Hospitalization for infertility treatments, hormone replacement therapy, or sterilization procedures.
Exclusions
Higher Sum Insured Options - Choose from sum insured options ranging from ₹5 lakh to ₹22 lakh for enhanced coverage.
Flexible Deductible Choices - Select deductible amounts to customize the plan based on existing insurance coverage or personal preferences.
No Claim Discount - Enjoy a discount on renewal premiums for claim-free years.
Maternity & Newborn Cover - Available as an add-on, covering maternity expenses and newborn baby care.
Critical Illness Cover - Additional protection against specified life-threatening illnesses like cancer, stroke, or heart attack.
Personal Accident Cover - Offers financial assistance for accidental disability or death, ensuring extra security.
OPD Expenses Coverage - Reimbursement for outpatient treatments, consultations, and diagnostic tests under an add-on cover.
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
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