New India Health Insurance
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NEW INDIA HEALTH INSURANCE

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New India Health Insurance

Overview
Founded by Sir Dorabji Tata in 1919, which was later nationalised in 1973 is now India’s largest general insurance company on the basis of gross premium collection inclusive of foreign operations. Headquartered in Mumbai, New India Assurance is a Government of India undertaking firm which operates out of 31 regional offices, 6 Large Corporate Offices, 447 Divisional Offices, 578 Branches, 27 Direct Agent Branches and 1339 Micro Offices,1 Auto hub, 2 centralised legal hub totalling 2452 offices. It also operates across 28 countries. Apart from regular general insurance products, the company has been pioneers in satellite insurance, aviation insurance.

New India Health Insurance at a Glance
  • Cashless and hassle free direct claim settlement across 1200+leading hospitals in the country
  • Annual health check-up for insured members irrespective of their claims history
  • 1706197 Policies were issued in FY 15-16
  • With add-on cover, it provides coverage that too on a cashless basis across a list of network hospitals for 11 critical illnesses
  • 96.68% of grievances resolved in FY 15-16
  • 115% claim settlement ratio
  • Offers new born baby cover to insured mothers
  • Committed to act courteously, fairly and reasonably in all dealings with the customers

Awards & Recognitions
  • Bagged Golden Peacock Business Excellence Award for the year 2017
  • India's Leading Insurance Company : Non-Life Public Sector in 2017 by Dun & Bradstreet
  • General Insurance Company of the year in 2016 by Fintelekt
  • e-Business Leader in General Insurance category for the year 2016 by Fintelekt
  • Best General Insurance Company in 2016 by ABP News
  • Samudra Manthan Awards 2015 as the Insurance Company of the year
  • DalalStreet Investment Journal award for best General Insurance Company of the year 2014
  • “A " Rated By A.M.Best and "AAA/Stable" Rated By CRISIL

Documents needed to apply for New India Health Insurance
  • Age proof - (Any One)
    Driving License, Passport, Voter ID Card, Birth Certificate, etc
  • Identity proof – (Any One)
    Driving License, Passport, Voter ID card, PAN Card, Aadhar Card, or any document which proves citizenship
  • Income proof
  • Address proof – (Any One)
    Driving License, Passport and Utility Bill should clearly mention the permanent address
  • Income proof – (Any One)
    Salary Slip, Form 16, ITR
  • Recent passport size photograph

Why New India Health Insurance?
Here are some reasons why New India Health is the right insurance provider for you:

Features Description
Sum Insured You can choose a sum insured ranging from Rs2 Lacs to Rs 8 Lacs.
Cashless hospitalisation New India Health has over 1200 network hospitals across India where one can avail cashless facility.
Claim process Offers fast, seamless claim process across wide network of hospitals that makes the claim management quick and convenient. The Claim Settlement Ratio of New India Health Insurance for FY2015-16 is 115%.
No-Claim Bonus (NCB)  Earn up to 100% NCB in the form of a 50-150% increase in sum insured.
Discounts Offers 10% discount for individual plans taken and 11% - 18% discount for plans taken on family floater basis, minimum two and maximum four additional members.
Lifelong renewability  All plans offered by New India Health have a lifelong renewability option
Maternity expense benefit With New India Health’s Mediclaim policy whose sum insured is above 5 Lac, insured can enjoy the maternity expense benefits for delivery for only first two children and / or surgeries associated therewith will be considered in respect of any one insured person covered.
Health Checkup Insured members of New India Health can avail super annual health check-up regardless of their claim history
AYUSH treatments & Get Well Benefit AYUSH treatment taken at government or accredited hospitals is covered, whereas Get Well benefit is paid out of a certain amount on the basis of the threshold amount chosen
Riders Apart from 11 specified critical illness coverage, one time additional lumpsum is paid that excludes pre-existing critical conditions.

Types of New India Health Insurance Plans
New India Health offers insurance coverage with comprehensive health cover, critical illness cover, wellness solutions, personal accident cover and senior citizen mediclaim across various plans.

1. New India Mediclaim Policy: This health insurance plan offered by New India offers health insurance coverage to your entire family under one sum assured. Even a new born baby, born to an insured mother, will be covered from date of birth till the expiry of the policy, without any additional premium.

2.New India Asha Kiran Policy: This unique health insurance plan from New India Assurance is aimed at promoting healthcare for girls. This very policy can be taken by those parents who have only daughters for children.

3. New India Mediclaim 2012 Policy: This mediclaim policy from New India covers the hospitalisation expenses of the insured for any illness and injury in the period of insurance. With a policy term of 1 year, there isn’t any age limit set for its renewal. With this policy you can avail bonus, discounts and tax benefits.

4. New India Mediclaim 2007 Policy: Even before Mediclaim 2012 was launched, this was the most basic plan offered by New India Assurance to cover hospitalization expenses. Co-pay is applicable in case of treatment in different geographical zone.

5. New India Jan ArogyaBima: This policy from New India Assurance is designed to provide cheap medical insurance to poorer sections of society with a premium uptoRs10,000 and qualifies for a tax benefit under sec 80D of the I-T Act. Service tax is not applicable to this particular policy.

6. New India Senior Citizen Mediclaim Policy: As the name suggests this plan from New India Assurance is available specifically for senior individuals above age 60 years seeking a mediclaim policy.

7. New India Overseas Mediclaim Policy: This policy covers the medical expenses incurred by the policyholder outside India in terms of physical injuries or sickness or diseases contracted. It also covers personal accident, loss of passport, loss of baggage and repatriation.

New India Health Insurance Plans in detail
1)New India Mediclaim Policy
Features Description
Entry age 18 – 65 years; 3 months to 25 years for children if at least one parent is also covered under this plan.
Type of Plan Individual / Family Floater
Sum Insured 2 - 8 Lacs
Coverage for Spouse, dependent children, dependent parents / parents in law. Maximum 6 individuals as a part of it, with the limit on number of adults being at 4 and children being at 4.
Policy term 1 year

Inclusions, Benefits and Features
  • In-Patient Hospitalisation-Medical expenses for hospitalisation for a minimum period of 24 hours will be covered with upto sum assured subject to sub-limits; it does not cover outpatient treatment and treatment outside India.
  • Pre-Hospitalisation - Any medical expenses that have been incurred 30 days prior to the hospitalisation for the same illness will also be covered. This also has ambulance cover.
  • Post-Hospitalisation–Similarly, medical expenses incurred30 days after being released from the hospital and for the same illness will also be covered. Expenses such as doctor consultations, Diagnostic tests, medications etc are covered under this.
  • Domiciliary Treatment–Treatment of illness done at home for a period exceeding 3 consecutive days in case of emergency, which would normally need hospitalisation will also be covered in the policy.
  • Organ Donor–Covers treatment expenses for organ donor; provided the liability towards expenses incurred on the donor and the insured recipient doesn’t exceed the aggregate of the sum insured and cumulative bonus buffer, if any, of the insured person receiving the organ.
  • New Born Cover – This is inbuilt and provides coverage from birth till end of policy; however this excludes post-natal care, early delivery or delivery expenses. Waiting period for insured mother is 2 years.
  • Annual Health Checkup–As a preventive measure, this policy provides Annual Health Check-up for policyholder and all members covered by under the policy, including children.
  • Reinstate the policy–This policy enables reinstate the entire Sum Insured amount if you ever run out of your health cover due to claims made. This additional amount can be used by you or by any other insured member for treatment of any ailment. Reinstatement is valid only if sum insured is Rs 5 Lacs or more.
  • Cataract treatment – a maximum of Rs 50000 can be claimed for cataract treatment of each eye.
  • AYUSH treatment - 25% of sum assured for treatment at a government approved centre for Ayurveda, Yoga, Unani, Siddha and Homoeopathy treatments.

2)New India Asha Kiran Policy
Features Description
Entry age 18 – 65 years; 3 months to 25 years for daughters who are children if at least one parent is also covered under this plan.
Type of Plan Family Floater
Sum Insured 2 – 8 Lacs
Coverage for Minimum 2 members with atleast 1 daughter and a maximum of 4 members. Dependent spouse, daughter (max 2). Inclusion of mid-term is allowed only for new born 2nd baby girl child on payment of pro - rata additional premium.
Policy term 1 year

Inclusions, Benefits and Features
  • In-Patient Hospitalisation
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • Domiciliary Treatment
  • Day care
  • Organ Donor Expenses
  • Online policy payment without any paperwork
  • Coverage for 11specified Critical Illnesses
  • Daily cash allowance
  • Ambulance charges
  • AYUSH treatment at government approved centers
  • Cataract treatment expenses
  • Personal accident cover
  • ICU expenses along with nursing charges

3)New India Mediclaim 2012 Policy
Features Description
Entry age 18 – 65 years; 3 months to 25 years for children if at least one parent is also covered under this plan.
Type of Plan Family Floater
Sum Insured 3 to 5 Lacs
Coverage for Self, spouse, dependent children and parents

Inclusions, Benefits and Features
  • In-Patient Hospitalisation
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • No Claim bonus
  • Day Care
  • Ambulance expenses
  • Pre-existing diseases are covered subject to waiting period of 4 years

4) New India Mediclaim 2007 Policy
Features Description
Entry age 18 – 60 years; 3 months to 18 years for children if at least one parent is also covered under this plan.
Type of Plan Individual / Floater
Sum Insured 3 to 5 Lacs
Coverage for Self, spouse, dependent children and parents

Inclusions, Benefits and Features
  • In-Patient Hospitalisation
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • No Claim bonus
  • Day Care
  • Ambulance expenses
  • Good health discounts
  • Cumulative bonuses
  • Health check-up costs
  • AYUSH treatment

5) New India Jan ArogyaBima
Features Description
Entry age 5 – 70 years; 3 months to 5 years for children if at least one or both parents are also covered under this plan.
Type of Plan Individual / Floater
Sum Insured Rs 5000/-
Coverage for Self, spouse, dependent children and parents

Inclusions, Benefits and Features
  • In-Patient Hospitalisation
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • Day Care
  • OPD expenses
  • ICU expenses
  • Naturopathy treatment
  • Maternity expenses

6) New India Senior Citizen Mediclaim Policy
Features Description
Entry age 60 - 80 years
Renewability Upto 90 years
Type of Plan Individual
Sum Insured 1 to 1.5 Lacs

Inclusions, Benefits and Features
  • In-Patient Hospitalisation
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • ICU expenses
  • Room and nursing fees
  • Organ donor expenses
  • Ambulance charges
  • AYUSH treatments
  • Pre-existing diseases waiting period of 18 months
  • Reimbursement of health check costs undertaken after every 4 claim free years, withup to 1% of the sum assured.
  • Voluntary deductible

7) New India Overseas Mediclaim Policy
  • Eligibility: 6 months to 70 years. Policy to be taken prior to departure from India
  • Medical reports required, if trip is for a period over 60 days and if –
  • Insured person is over 60 years visiting USA or Canada
  • Insured person is over 70 years and visiting countries other than USA/Canada
Name of the Plan Money allotted
A1(USA/Canada not included) Personal Liability of Rs 2 lac,
Repatriation or medical Rs 50,000;
Personal Accident - Rs 10,000,
loss of checked in baggage - Rs 1000
A2(USA/Canada not Included) Personal Liability of Rs 2 lac,
Repatriation or medical- Rs 2.5 lac,
Personal Accident- Rs 25,000,
loss of checked in baggage- Rs 1000
B1(USA/Canada included) Personal Liability of Rs 2 lac,
Repatriation or medical- Rs 1 lac Personal Accident- Rs 25,000,
loss of checked in baggage- Rs 1000
B2(USA and Canada included) Personal Liability of Rs 2 lac,
Repatriation or medical- Rs 5 lac,
Personal Accident- Rs 25,000,
loss of checked in baggage- Rs 1000
E1 CFT(USA and Canada included) Personal Liability of Rs 2 lac,
Repatriation or medical- Rs 1 lac,
Personal Accident- Rs 25,000,
loss of checked in baggage- Rs 1000
E2 CFT(USA and Canada included) Personal Liability of Rs 2 lac,
Repatriation or medical- Rs 5 lac,
Personal Accident- Rs 25,000,
loss of checked in baggage- Rs 1000

Inclusions, Benefits and Features
  • There is an initial waiting period of 30 days for all illnesses except an accidental injury
  • Treatment of any pre-existing condition or diseases
  • All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps
  • Skin disorders
  • Prolapse inter Vertebral Disc and Spinal Diseases unless arising from Accident
  • Stones in urinary system, gall bladder and bile duct
  • Expenses related to joint replacement
  • Osteoarthritis and Osteoporosis
  • Injury or illness caused due to war, invasion, nuclear weapon, contamination by radioactive materials
  • Vaccination or inoculation
  • Dental treatment or surgery
  • Acupressure, acupuncture and magnetic therapies
  • Experimental or unproven treatments/therapies

New India Health Login:
  • For Individuals: Log into the New India Health Insurance website with your name, email ID, and mobile number
  • For Corporate Employees: Register with your Member ID and Employee ID.
  • For Corporate Administrators: Register using their Policy Number and Group ID.
  • For Sales Partner: Register using Agent Code and Date of Birth.
  • Brokers or Corporate Agencies: Register with Broker or Agency Code and Date of Joining.
  • Using Social media: You can also sign in with your Facebook, Gmail or mobile connect log-in.

New India Health Insurance Renewal:
  • Log into the New India Assurance website with your registered email or member ID and password. You can also login using your policy number through Quick Renewal link (https://www.newindia.co.in/portal/#/quickRenewPost/renewal)
  • Enter the exact policy number as mentioned in the policy schedule.
  • Enter your age on the renewal calculator to get the renewal premium.
  • You can choose a different policy, altering the sum insured, add or remove dependants, alter rider policy, and edit policy term.
  • The policy schedule contains a unique policy number which changes every year on renewal.
  • Renewal payment can be made 60 days prior to the policy expiry date.
  • There is a 30day grace period within which to renew your policy without losing benefits
  • You can also opt to renew your policy through an Interactive Voice Response (IVR) and use the direct payment link. Contact 1800-209-1415(Toll Free) for more details.
  • Email can be send for further details to tech.support@newindia.co.in

New India Health Insurance Claim Settlement:
Cashless Claim Reimbursement Claim
Visit a network hospital of the insurer to avail cashless treatment. If the cashless claim is denied, the insured member can get treated and file for a reimbursement claim after discharge.
Display your health card at the network hospital help desk. Submit the claim form along with the medical documents within 15 days of your discharge from the hospital.
Intimate the TPA within 24 hours of unplanned hospitalisation and 48 hours prior to your planned hospitalisation. Claims can be registered at the insurer's customer service centre or any of the branch offices through an application, call, email or in person.
The hospital will verify your identity details and submit a duly-filled and signed pre-authorisation request form to the insurer. To register a claim provide your contact details, name of the insured member, policy number, date and time of the problem, nature of the problem, and location of the problem.
After verification of the pre-authorisation request, the insurer will send an approval letter to the network hospital. Upon successful verification and approval, the claim amount will be sent to the proposer in the form of a cheque within 30 days of receipt of the documents.
The hospital will proceed with the cashless treatment for the insured member. TPA will settle the bill directly with the hospital. The insured has to pay those bills that are not covered under the policy. For any claim-related queries, call 1800-209-1415 (Toll Free) or email at tech.support@newindia.co.in

New India Health Insurance FAQs:
1) How New India Health Insurance policyholders can get in touch with the insurer for any policy-related queries?
You can get in touch with the insurer by filling out a simple online form or calling the customer support centre on toll-free number 1800-209-1415. You can also mail the insurer with your queries to this email ID tech.support@newindia.co.in. A Call back request can also be placed online.

2) How can I add a family members to my existing policy?
You can download Change Request form from the New India Health Insurance website, fill it, and submit it at the nearest branch office along with additional premium. Mid-term policy addition is allowed only for a new born baby or newly-wed spouse.

3) How can I increase the sum insured of my New India Health Insurance?
You can download the Change Request form from the New India Health Insurance website, fill it, and submit it at the nearest branch office along with the revised premium. Sum insured can be increased or decreased only at the time of renewal and not during the policy tenure. In the case of health insurance portability, sum insured cannot be enhanced if there’s a claim in the previous policy.

4) What is Re-instatement in the New India Health Plan?
If you exhaust your entire sum insured and cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, New India Health will refill the full Sum Insured at no extra cost.

5) What is multiplier benefit?
Under this benefit, during the first claim-free year, the sum insured will increase by 50% and the second claim-free year, the sum insured will be increased by 100%.

6) How can I claim OPD expenses from New India Health?
You may submit all original medical bills and prescriptions to the insurer for reimbursement of OPD expenses. But make sure OPD expenses is covered in your plan.

7) Is vaccination covered under OPD benefit?
No vaccination is not covered under OPD benefit.

8) Can I choose multiple sum insured for my family members?
Yes, within the chosen variant, multiple sum insured can be selected for your dependents.