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  • New India Assurance Health Insurance

    Health Insurance
    • Premiums as low as Rs10/day for coverage of Rs.5 Lakhs
    • 10,000+ hospitals for cashless treatment
    • Get plans with no limit on room rent

    New India Assurance is a multinational general insurance company that is wholly owned by the Government of India. The company operates on a robust core insurance platform and offers customers multiple options to purchase and renew policies. Under its personal insurance portfolio, the company offers a wide range of Mediclaim products that span across individual, family, senior citizen, group and overseas categories.

    Max Bupa Health Insurance HighlightsUpdated on 17 Dec 2018

    Factor Details
    Health insurance plans
    • 4 Hospitalisation plans
    • 1 Critical Illness plan
    • 1 Accident insurance plan
    E-services offered
    • Renew health insurance policy
    • Check claim status online
    • Register claim online
    • Get quotes for premium payable for preferred insurance policies
    Claim settlement Direct claim settlement by insurer without TPA involvement
    Claims settled since inception Rs.1,141 crore

     

    Features & Benefits of New India Assurance

    Online availability - New India Assurance offers individual as well as family policies online. Customers can purchase their policies in a matter of minutes.

    Online Renewal - Customers can easily renewal their insurance policy online. This makes renewals quick and hassle-free. Discounts are also available for online renewals.

    Pre-policy check-up - Check-ups are required if the person is above a certain age, has a pre-existing condition, or is travelling for more than 60 days. Depending on the policy selected, there may or may not be a pre-policy check-up required.

    Customer Care - New India Assurance provides a customer support team that is available through a toll-free number.

    Cashless Facility - New India Assurance has a tie-up with a number of hospitals across the country. Customers can avail cashless services at these network hospitals.

    Tax Benefits - All policies are eligible for tax exemptions for premium paid under Section 80D of the Income Tax Act.

    Health Insurance Plans provided by New India Assurance

    Plan Name Plan Basis Sum Insured Policy Term
    Cancer Mediclaim Expenses Individual or Family Rs.50,000 to Rs.2 lakhs 1 year
    New India Mediclaim Individual or Family Rs.1 lakh to Rs.15 lakh 1 year
    New India Premier Mediclaim Individual or Family Rs.15 lakh to Rs.1 crore 1 year
    New India Top Up Mediclaim Individual or Family Rs.5 lakh to Rs.22 lakh  
    New India Floater Mediclaim Family Rs.2 lakh, Rs.3 lakh, Rs.5 lakh, Rs. 8 lakh 1 year
    New India Assurance Asha Kiran Policy Individual or Family Rs.2 lakh, Rs.3 lakh, Rs.5 lakh, Rs. 8 lakh 1 year
    Pravasi Bharatiya Bima Yojana Policy Individual or Family
    • Rs.10 lakh for personal accident
    • Rs.75,000 for hospitalisation
    • Rs.50,000 for family members
    2 years or 3 years
    Janata Mediclaim Policy Individual or Family Rs.50,000 or Rs.75,000 1 year
    Senior Citizens Mediclaim Policy Individual Rs.1 lakh, Rs.1.5 lakh 1 year
    Overseas Mediclaim Policy Individual US$50,000 to US$500,000 180 days
    Group Mediclaim policy Group Variable 1 year

    New India Assurance Cancer Mediclaim Expenses

    This plan is offered by the Indian Cancer Society to its members. To become a member, one has to be below the age of 70 years, and not have cancer already. The membership fee is inclusive of the insurance premium.

    Unique Features of Plan

    • Insured members and spouses are covered.
    • The sum assured can be taken in multiples of Rs.50,000, up to a maximum of Rs.2 lakh.
    • For every claim-free year, a bonus of 5% is awarded, up to a maximum of 50%.
    • The policy term is 12 months and can be renewed annually.
    • There is no waiting period.
    • If one of the insured members contracts cancer, then the spouse will not be covered. The spouse can take an individual membership.
    • Up to 2 dependent children can be covered by paying an extra premium.
    • This plan covers only allopathic treatment.

    Plan Details

    Policy term 12 months
    Entry Age Anyone below 70 years
    Plan Basis Individual (with the option of adding family)
    Sum Insured Range Rs.50,000 to Rs..2 lakh
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Not specified
    Co-Payment Not specified
    Waiting Period Nil
    No Claim Bonus Yes
    Discounts NA

    New India Mediclaim Policy

    This policy is designed to provide financial protection when unforeseen hospital expenses arise. The policy is valid for treatment anywhere in India. New India Assurance will also cover 25% of Ayurvedic, Unani, and Homeopathic treatment.

    Unique Features of Plan

    • Anyone between the age of 18 and 65 years can avail this policy.
    • Dependent children between the age of 3 months and 18 years, dependent parents and spouses can be included in this policy.
    • Children between 18 and 25 years can be covered if they remain financially dependent. Upper limit on age is not applicable to unmarried female children and mentally-challenged children.

    Plan Details of the New India Mediclaim Policy

    Policy term 1 year (renewable till the age of 65 years)
    Entry Age 18 years
    Plan Basis Family
    Sum Insured Range Rs.1 lakh to Rs.15 lakh
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening
    • Required for those above 50 years
    • If the person has an adverse medical history
    • If the office in-charge feels it is required
    Co-Payment Voluntary option of 20% co-pay
    Waiting Period 2-4 years for specific treatments
    No Claim Bonus Cumulative Bonus Buffer from the previous Mediclaim 2012 policy will be protected till it is exhausted. No new bonus will accrue
    Discounts 15% discount on premium if co-pay is selected

    New India Assurance Premier Mediclaim Policy

    Protect up to 6 members of your family under this plan for up to Rs.1 crore. The policy covers hospitalization expenses, provides hospital cash, covers critical illnesses, Homeopathy, Ayurveda, Unani and OPD treatments. This premier policy has additional benefits like concierge services, diet counselling, and second opinions. The plan covers cataract, psychiatric and psychosomatic disorders, and obesity treatments.

    Unique Features of Plan

    • Customers can choose between two plans:
      • Plan A - Rs.15 lakh and Rs.25 lakh.
      • Plan B - Rs.50 lakh and Rs.1 crore.
    • The plan covers critical illnesses for up to Rs.2 lakh under Plan A, and Rs.5 lakh under Plan B.
    • Get hospital cash of Rs.2,000 per day under Plan A, and Rs.4,000 under Plan B.
    • 20% of the sum insured will be paid for Ayurvedic, Homeopathic and Unani treatment.
    • OPD treatments are covered after every block of 2 continuous claim-free years. Rs.5,000 is granted under Plan A, and Rs.10,000 under Plan B.
    • Maternity cover is limited to Rs.50,000 for Plan A and Rs.1 lakh for Plan B.
    • New born babies are covered against injuries and illnesses from birth till the expiry of the policy at no extra premiums.
    • This plan covers HIV/AIDs for up to Rs.2 lakh under Plan A and Rs.5 lakh under Plan B.

    Plan Details

    Policy term One year (renewable up to the age of 65 years)
    Entry Age 18 years
    Plan Basis Family
    Sum Insured Range
    • Plan A - Rs.15 lakh and Rs.25 lakh
    • Plan B - Rs.50 lakh and Rs.1 crore
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening
    • Required for those above 50 years
    • If the person has an adverse medical history
    • If the office in-charge feels it is required
    Co-Payment NA
    Waiting Period 12-36 months for specific treatments
    No Claim Bonus NA
    Discounts NA

    New India Top-Up Mediclaim

    A top-up plan comes into effect and provides cover only after a specified threshold has been reached. The threshold is a limit of expenses that needs to be borne by the insured or another insurance plan. This is a policy that is usually taken in addition to another policy.

    Unique Features of Plan

    • Get cover for hospitalisation expenses around India.
    • The policy can be taken whether or not you have an existing insurance plan.
    • Up to 6 family members can be covered.
    • The sum insured refers to the maximum liability New India Assurance has to bear for all members.
    • The insured should be 18 years to 65 years old. Family members can be 3 months to 65 years old.

    Plan Details

    Policy term 1 year (lifelong renewability)
    Entry Age 18 years
    Plan Basis Individual (with family options)
    Sum Insured Range Rs.5 lakh to Rs.22 lakh
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website. The eldest member of the plan will be considered the primary member
    Medical Screening Anyone above the age of 50 years Anyone with adverse medical history
    Co-Payment Not specified
    Waiting Period NA
    No Claim Bonus NA
    Discounts Not specified

    New India Floater Mediclaim

    This plan is designed to cover hospitalisation expenses, whether it is planned or an emergency.

    Unique Features of Plan

    • Anyone between the ages of 18 years to 65 years can avail this plan.
    • This plan is available for at least 2 members up to a maximum of 6.
    • Financially dependent children between the ages of 3 months to 25 years can be added, along with dependent parents up to the age of 65 years.
    • New born babies can be insured at no extra premium till the expiry of the policy.
    • The policy provides 0.1% of the sum insured as hospital cash per day.
    • 10% of the sum insured is given for critical illnesses.

    Plan Details

    Policy term 1 year
    Entry Age 18 years
    Plan Basis Family
    Sum Insured Range Rs.2 lakh, Rs.3 lakh, Rs.5 lakh, Rs. 8 lakh
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Anyone above the age of 50 years Anyone with adverse medical history
    Co-Payment Yes
    Waiting Period 30 days 2 years to 4 years for specific illnesses
    No Claim Bonus NA
    Discounts Not specified

    New India Assurance Asha Kiran Policy

    This policy covers hospitalisation expenses and personal accident for the insured and their family. The plan caters only to girl children from the age of 3 months to 25 years, provided they are financially dependent. However, the upper age limit is waived in case of mentally challenged or unmarried daughters.

    Unique Features of Plan

    • Anyone between the age of 18 and 65 years can avail this policy.
    • The insured’s spouse can be included in the policy.
    • Up to 2 dependent daughters between the age of 3 months and 25 years can be included in this policy.
    • The policy provides 0.1% of the sum insured as hospital cash per day.
    • 10% of the sum insured is given for critical illnesses.

    Plan Details

    Policy term 1 year
    Entry Age 18 years
    Plan Basis Family
    Sum Insured Range Rs.2 lakh, Rs.3 lakh, Rs.5 lakh, Rs. 8 lakh
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Anyone above the age of 50 years Anyone with adverse medical history
    Co-Payment Yes
    Waiting Period 30 days 2 years to 4 years for specific illnesses
    No Claim Bonus NA
    Discounts
    • Not specified

    Pravasi Bharatiya Bima Yojana Policy

    This scheme is designed to provide insurance to Indian citizens who are residing outside India for the purpose of employment. The policy provides personal accident and hospitalisation cover.

    Unique Features of Plan

    • Anyone between the age of 18 and 60 years can avail this policy.
    • The person should have a valid visa and be living abroad only for the purpose of employment.
    • Rs.10 lakh is the capital sum insured for accidental death or permanent total disablement.
    • Family cover is available for the spouse and two children up to the age of 21 years for up to Rs.50,000.
    • Up to Rs.75,000 cover can be availed for hospitalisation expenses.

    Plan Details

    Policy term 2 years or 3 years
    Entry Age 18 years
    Plan Basis Individual or family
    Sum Insured Range
    • Rs.10 lakh for personal accident
    • Rs.75,000 for hospitalisation
    • Rs.50,000 for family members
    Premium 2-year period - Rs.275 per person 3-year period - Rs.375 per person (Taxes will be applicable)
    Medical Screening Not specified
    Co-Payment Not specified
    Waiting Period Not specified
    No Claim Bonus Not specified
    Discounts Not specified

    Janata Mediclaim Policy

    This policy covers pre and post-hospitalisation expenses, hospitalisation expenses, and provides a host of other benefits.

    Unique Features of Plan

    • Anyone between the age of 18 and 60 years can avail this policy.
    • Dependent children between the ages of 3 months and 18 years can be covered.
    • The policy takes care of ambulance charges, daycare treatments along with Ayurvedic, Homeopathic and Unani treatments.
    • Pre-existing illnesses can be covered after a waiting period of 2 to 4 years.

    Plan Details

    Policy term 1 year
    Entry Age 18 years
    Plan Basis Individual or family
    Sum Insured Range
    • Rs.50,000
    • Rs.75,000
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Not specified
    Co-Payment Not specified
    Waiting Period 30 days 2 to 4 years for pre-existing conditions and specific treatments
    No Claim Bonus Given in the form of cumulative bonus where the sum insured is increased by 5% every year, up to a maximum of 30%
    Discounts
    • Discount on premium on family cover
    • Discount for loyalty
    • Discount for good health

    Senior Citizen Mediclaim Policy

    This plan caters specifically to those who are between the ages of 60 and 80 years. If the insured continues the policy with no breaks, the age limit can be extended up to 90 years.

    Unique Features of Plan

    • Proposers are required to do a pre-policy check-up at their own cost. If the person already has a Mediclaim policy from New India Assurance, then this requirement is waived.
    • Pre and post-hospitalisation, hospitalisation, ambulance, Ayurvedic, Homeopathic and Unani treatments are covered.
    • Pre-existing illnesses are covered after 18 months.

    Plan Details

    Policy term 1 year
    Entry Age 60 years
    Plan Basis Individual
    Sum Insured Range Rs.1 lakh, Rs.1.5 lakh
    Premium Based on age, sum insured, medical conditions, etc. Rates are mentioned in the brochure, prospectus and website
    Medical Screening Yes
    Co-Payment Yes
    Waiting Period 30 days 18 months for pre-existing conditions and specific treatments
    No Claim Bonus NA
    Discounts
    • 10% discount for cover of spouse
    • 10% discount for co-payment above Rs.10,000

    New India Assurance Overseas Mediclaim Policy

    This plan is designed to cover medical expenses incurred by a person outside of India during travel. This covers bodily injuries, illnesses and diseases contracted abroad.

    Unique Features of Plan

    • The premiums are payable in INR while claims will be settled in the respective currency of the country travelled to.
    • This policy is ideal for frequent corporate travellers.
    • The policy must be taken before departing from India.
    • Anyone between the age of 6 months to 70 years can be covered.

    Plan Details

    Policy term 180 days (extendable)
    Entry Age 3 months
    Plan Basis Individual
    Sum Insured Range US$50,000 to US$500,000
    Premium Based on age, trip length, country and so on
    Medical Screening
    • Required for trips over 60 days
    • Required for those over 60 years visiting Canada or USA
    • Required for those over 70 years for any other country
    • Required for those who have pre-existing illnesses
    Co-Payment Yes. First US$100 must be borne by the insured
    Waiting Period NA
    No Claim Bonus NA
    Discounts NA

    New India Assurance Group Mediclaim Policy

    Group plans are ideal for companies, organisations, institutions that wish to cover their employees or members under a single plan. These plans offer a number of benefits along with affordable claims.

    Unique Features of Plan

    • Cashless facility is available through the list of network hospitals.
    • Optional cover of maternity benefits is available.
    • Low claim discounts are available during renewal.

    Plan Details

    Policy term 1 year
    Entry Age Not specified
    Plan Basis Group
    Sum Insured Range Variable
    Premium Based on group size, location and so on
    Medical Screening NA
    Co-Payment Yes
    Waiting Period 30 days 2 to 4 years for specific treatments and pre-existing conditions
    No Claim Bonus Yes
    Discounts NA

    Checklist before Buying New India Assurance Health Insurance

    • Research different health insurance plan options.
    • Decide on an optimum sum assured taking into consideration inflation.
    • Know what cover you need - maternity, newborn, pre-existing illnesses, heart, cancer, diabetes, etc.
    • Compare different policies online.
    • Take your family into consideration and see if other members can be added to reduce the overall premium.
    • Look out for add-ons/riders that could help you enhance your cover by paying an extra premium.
    • Be aware of all exclusions, co-payment options, network hospitals, cashless claim settlement options, and so on.
    • Once you have decided on a policy, ensure you read the brochure, terms and conditions and any other relevant document provided.

    Documents Required for Purchasing New India Assurance Medical Insurance

    • PAN details.
    • Valid address proof such as electricity bill, water bill, ration card, Driving Licence, Passport, Aadhaar, etc.
    • Valid government-issued ID proof such as Aadhaar, Voter ID, Driving Licence, Passport, etc.
    • Medical reports if needed.

    Reasons to choose New India Assurance

    • Choose from a wide range of policies available to ensure that you get the best cover suitable for you and your family.
    • Cover your entire family under a single policy and reduce the overall premium cost.
    • Buy and renew your policy easily online and avail special discounts.
    • Earn cumulative bonuses, no-claim bonuses and other discounts.
    • Medical tests are required only in certain cases.
    • Get cashless hospitalisation at network hospitals around the country.

    Incurred Claim Ratio of New India Assurance

    The incurred claim ratio is calculated by the IRDA taking into consideration the total value of premiums collected by the company and the total value paid out in claims. It basically indicates the number of claims settled by a company against the number of claims received in a year. This ratio is made public on an annual basis. The incurred claim ratio plays a role in helping customers figure out which insurance company would be a better option for them. Though the ICR is important, it should not be the only factor taken into consideration while buying an insurance policy.

    Year Incurred Claim Ratio
    2016-17 102.94%

    *IRDA Annual Report 2015-16

    Extra Benefits from New India Assurance

    Cashless settlement Network hospitals across India
    Medical checkup Required for those above 50 years of age, and those who have adverse medical history. If the proposal is accepted, then the cost of the medical check-up will be reimbursed
    Tax Rebate Tax benefits against premiums paid under Section 80D of Income Tax Act, 1961
    Hospital Cash Depending on the choice of plan, you can get hospital cash if hospitalisation exceeds 24 consecutive hours (for a maximum of 10 days)
    Alternative treatment Homeopathic, Unani and Ayurvedic treatments are covered
    Free-look period 15 days from the date of receipt of the policy
    Grace period 30 days from the due date or premium payment
    Portability Can be done as per the guidelines of the IRDA

    New India Assurance Renewal

    New India Assurance provides its customers with an easy option of renewing their policies online.

    • Customers need to enter their Customer ID and Renewed Quote number that will be sent via SMS. If the customer does not have the new quote number, they can enter the old policy number.
    • The details of the policy will be displayed. If the customer is satisfied, they can save the quote and proceed.
    • The payment can be made using a debit card, credit card or net banking.
    • Once the payment is made, the policy will be issued.

    Customers can also renew their policy through the insurance agent or at a New India Assurance branch.

    New India Assurance Network Hospitals for Cashless Treatment

    New India Assurance has a tie-up with hospitals in all the major cities of India. Customers can avail cashless treatment at these hospitals. The list of hospitals is available in a booklet provided at the inception of the policy. Customers can also access this list on the New India Assurance website. The customer support team will also be able to provide this information.

    Hospitals within the network are located in Ahmedabad, Bengaluru, Chandigarh, Chennai, Coimbatore, Delhi, Hyderabad, Indore, Jaipur, Kolkata, Mumbai and Pune. Apart from these cities, there are a number of hospitals within the network across Rajasthan.

    Claim Procedure in New India Assurance

    There are three types of claims that can be made to New India Assurance:

    • Personal accident death claim - The nominee or representative must inform New India Assurance immediately, or at least 30 days after the incident. To make a claim, a duly-filled claim form, the death certificate, post mortem report, police report and the original policy need to be submitted to New india Assurance.
    • Personal accident injury claim - The insured or representative must inform New India Assurance as soon as possible. To make a claim, the duly-filled form along with any medical certificate and police report needs to be submitted.
    • Mediclaim - In case of an emergency, you can get admitted to the hospital and inform the insurer within 24 hours. If it is planned, you can inform New India Assurance immediately or at least 48 hours before the hospitalisation. If the hospital is within the insurer’s network, then you may be eligible for cashless hospitalisation. If you are not, you can file for a reimbursement claim.
      • Cashless
        • You need to admit yourself in a network hospital.
        • Procure and fill up the cashless request form which will be available at the TPA counter (third-party administrator).
        • Provide relevant details and medical information.
        • The request will be verified by New India Assurance, and if satisfied, an authorisation letter will be sent.
        • The insurer might ask for more information before giving approval.
        • If you are unable to provide adequate information, or if your treatment is not covered, the company can reject your request. You can then file for a reimbursement claim later.
        • Once approval comes through, you can avail the treatment and the bill will be settled directly by New India Assurance. You will be required to pay only for non-medicals and any part of the bill that is not covered under your policy.
      • Reimbursement
        • Once you complete your treatment, you need to pay the bill.
        • You should collect all documents such as the discharge summary, prescriptions, reports, bills, cash memos, and any other relevant documents.
        • Submit the documents along with the claims form to New India Assurance within 7 days.
        • The insurer will verify the claim and pay the admissible amount of the claim.

    Terms and Conditions of New India Assurance

    • In case fraud and misrepresentation, New India Assurance will not be liable to pay any claims.
    • Claims will be settled within 30 days of the receipt of the last document.
    • Claims will be paid only in INR.
    • Claims will be paid out through NEFT/RTGS only within 7 days of claim acceptance.
    • All medical treatment must be taken in India (except for the overseas policies).

    Frequently Asked Questions before Purchasing New India Assurance

    1. Why is the premium for online policies lesser?

      When an insurance company offers you a policy online, their cost is reduced. There are no middlemen involved. Therefore, the company can afford to give you a discount on premium.

    2. What is a pre-policy medical check-up? Why is it required?

      A pre-policy check-up is required for those who are above a certain age, have pre-existing conditions, or for those who smoke or drink alcohol. The test is done to determine the risk that the company has to bear. This will, in turn, determine whether your policy proposal will be approved or rejected, and how much the premium will be.

    3. Will New India Assurance pay for the pre-policy check-up?

      The expenses of the medical tests has to be borne by you. If the proposal is accepted, then the total cost of the tests will be reimbursed by New India Assurance.

    4. What is the maximum tax benefit I can claim?

      You can claim up to Rs.10,000 as tax benefit for premiums paid towards the policy under Section 80D of the Income Tax Act.

    5. Is there a policy that caters to the weaker sections of society?

      The Jan Arogya Bima policy caters to those who cannot afford to pay high premiums. This policy is designed for the financially weaker sections of society.

    6. What are pre and post-hospitalisation expenses?

      Medical expenses incurred 30 days before being hospitalised and 60 days after are pre and post-hospitalisation expenses. These can include doctor’s consultation, diagnostic tests, prescriptions, and so on.

    7. Are there any terms for availing Ayurvedic and Homeopathic treatment?

      Yes, if you are availing these treatments, it needs to be taken at a government hospital, or any institution that is recognised by the government. Institutions that are accredited by the Council of India or New India Assurance Accreditation Board of Health will also be accepted.

    8. How many people can be covered under the Group Mediclaim Policy?

      A minimum of 100 people need to be members in order to avail this policy. There is no cap on the upper limit.

    9. Who can avail the Group Mediclaim Policy?

      This policy is available to homogeneous associations, groups, institutions or corporate bodies that have a central administration.

    10. How long does it take for New India Assurance to settle a claim?

      Claims, whether accepted or rejected, should be settled within 30 days from the receipt of the last necessary document. Claims will be paid out within 7 days from the date of acceptance.

    11. Does the Overseas Mediclaim policy also cover lost baggage?

      Yes, this policy covers personal accident, medical expenses, repatriation expenses, lost checked baggage, delay of checked baggage, personal liability and lost passport.

    12. Will my Overseas Mediclaim policy continue if I return to India earlier than planned?

      The policy is valid only till the expiry date or the date on which you return to India, whichever is earlier.

    13. How do I contact the New India Assurance customer care?

      You can call 1800 209 1415 toll free.

    14. Can I get cover for OPD treatments?

      Certain policies do cover OPD treatments after two continuous claim-free years.

    New India Assurance Health Insurance Reviews

    • New India Health Insurance
      "Best"
      0.5 4.0/5 "Great!"
      New India Assurance have wide range of hospitals for the cashless facility. The customer service is average. There was no delay and I have received the papers on time. The medical coverage is 5L, its good. I have taken it for entire family. They cover major disease and the premium is reasonable.
      Was this review helpful? 0
      , alwar
      Reviewed on Dec 06, 2018
    • New India Health Insurance
      "They have to provided cumulative bonus."
      0.5 4.0/5 "Great!"
      I never contacted their customer care because their agent has provided all the assistance whenever i require. They have provided the re-imbursement when i approach for the claim. I had claim experience once and i have done a re-imbursement in 2002. I have been renewing the policy since more than 12 years. Its almost covered for 5 lakhs for my entire family of me, my wife and my children
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 26, 2018
    • New India Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      Earlier I had one lakh rupees medical cover policy, New India service is good they gave me cash less hospitalization when I was not well. The service is good then I have taken four plans from them, totally I have an experience around 20 years, I am satisfied with them.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 23, 2018
    • New India Health Insurance
      "Needs lots of improvement"
      0.5 1.0/5 "Really Bad"
      Benefit is very low, the premium is high in New India Assurance, and there is no proper service provide. They got tie up with lot of hospitals, but the service is not good to approach them for any issue. I believe the HDFC Ergo is best than New India. I paid the premium for 15 years without any claim, they told can't give the medical cover more than Rs. 5 lakhs.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 15, 2018
    • New India Health Insurance
      "Good Policy in the market compared to others"
      0.5 4.0/5 "Great!"
      Last 3 years i have been renewing the health insurance with New India. Actually this is a very good company and my husband preferred this company. I used to make the premium through online. I pay the premium of Rs. 17000 and i just took this policy for my family. They have offered me a coverage amount of Rs. 5 lakhs.
      Was this review helpful? 1
      , mumbai
      Reviewed on Oct 15, 2018
    • New India Health Insurance
      "Yet to experience the policy"
      0.5 5.0/5 "Blown Away!"
      My employer has provided the health insurance policy to me. I have spoke to their customer care service to know about the policy details and the response was good. They have offered a policy for my whole family. The total coverage amount of policy is 5 lakhs. Most of the hospital list are covered in this family.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 05, 2018
    • New India Health Insurance
      "Good heatlh insurance policy"
      0.5 3.0/5 "Satisfactory"
      In New India, they are not providing the cashless treatment facility to the customer. I have taken this policy 10 years back. I have taken this policy for me and my family. They have offered me a coverage of 2 lakhs. Its totally a hassle free policy.
      Was this review helpful? 0
      , dharbandora
      Reviewed on Oct 04, 2018
    • New India Health Insurance
      "Very Good policy"
      0.5 5.0/5 "Blown Away!"
      I have got a very good records from New India and its totally hassle free services from them. I had a claim experience for my wife and they have done a 100% claim. When i purchase my CITI bank credit card they have offered me a free health insurance policy with New India. I have made a premium amount of Rs. 11000 approximately. They have offered me a coverage amount of Rs. 5 lakhs. After 5 years they have increased upto Rs. 10 lakhs.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 28, 2018
    • New India Health Insurance
      "Service is very worst"
      0.5 3.0/5 "Satisfactory"
      I haven't got the cashless transaction in my district. 8 months before i have taken this policy. I have taken this policy for my family. They have offered me a coverage of 2 lakhs. I could not able to get my claim since I'm unable to submit the documents within 7 working days. They have to improve the network of hospitals in Kerala.
      Was this review helpful? 0
      , thodupuzha
      Reviewed on Sep 25, 2018
    • New India Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      My employer has provided the corporate health insurance policy with New India. I have been using the policy for last 12 years. I have got the policy for my self and my family. I had done many claim and I'm happy about the services. The claim amount which i can utilize is upto Rs. 3 lakhs. They are covered most of the majority hospitals.
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      , nala sopara
      Reviewed on Sep 22, 2018
    • New India Health Insurance
      "Worth for the money."
      0.5 4.0/5 "Great!"
      I don't call their customer care service because the situation has not arrived so far. They have given the cashless hospitalization facility. My employer has provided the health insurance policy with New India. The premium amount will be deducted from my salary and i can claim upto Rs. 5 lakhs. They have given the policy for me and my spouse.
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      , nagapattinam
      Reviewed on Sep 17, 2018
    • New India Health Insurance
      "Policy is Good"
      0.5 4.0/5 "Great!"
      I have not tried the policy services till now. I didn't call the customer care. I'm not aware of the cashless hospitalization. I have selected the New India because they have covered more hospital list and the premium was very low. I took this policy for my family member. I've paid the premium amount of Rs. 10000.
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      , chennai
      Reviewed on Sep 09, 2018
    • New India Health Insurance
      "BETTER POLICY"
      0.5 4.0/5 "Great!"
      I am holding the corporate policy of health insurance from NEW INDIA ASSURANCE since last 2 years and i am not aware of the premium because it would be paid by my company. The medical coverage is for 2 lakhs where it covers only for self added on that i had no claim experience.
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      , mumbai
      Reviewed on Sep 04, 2018
    • New India Health Insurance
      "Good policy and once go for it"
      0.5 4.0/5 "Great!"
      The agent came to my house and given the policy details to me. I never called up the customer care. Whenever i have a issue i used to call the agent and clarity all my doubts. 3 years, i was in hospital at that time i have claimed the policy in New India. The claim amount was Rs. 35000 i could able to use the cashless facility.
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      , faridabad
      Reviewed on Sep 03, 2018
    • New India Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      It is my first time experience with the Bankbazaarinsurance.com and i came to know through the Internet advertisement through Google. I am using it through website where it is easy and comfortable. The customer service helped to get the policy.
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      , faridabad
      Reviewed on Sep 03, 2018
    • New India Health Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      I had used the health insurance policy with the NEW INDIA ASSURANCE where i had claim for this policy of 47k and it is completely cashless. The service is very good and also the premium in this policy is very good and comfortable.
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      , new delhi
      Reviewed on Aug 31, 2018
    • New India Health Insurance
      "Yet to experience the policy"
      0.5 4.0/5 "Great!"
      As of now i have not claimed anything hence I'm not aware of the service provided by the company. They are paying Rs. 350 as a premium amount. My company has given this policy to me. Beginning of this year, they have provided this policy. I can utilize the policy for me and family upto 1 lakh.
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      , hosur
      Reviewed on Aug 30, 2018
    • New India Health Insurance
      "Easy to claim"
      0.5 3.0/5 "Satisfactory"
      My company has provided me a health insurance policy for me and my family. This is a third party health insurance policy. I never called to New India customer care so far. I had a claim experience with New India. I have done a cashless treatment and it was easy. I can able to claim Rs. 5 lakhs per year for my complete family.
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      , hyderabad
      Reviewed on Aug 28, 2018
    • New India Health Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I am holding my two wheeler policy with the NEW INDIA ASSURANCE and i am using it since last 3 years but at the beginning i have purchased it through the showroom. The policy coverage is for the basic but the premium and the IDV value is satisfactory.
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      , chennai
      Reviewed on Aug 24, 2018
    • New India Health Insurance
      "Comprehensive policy"
      0.5 5.0/5 "Blown Away!"
      I have not utilized the policy still now however I can utilized the 100% of the claim. They are offering a claim amount of Rs. 5 lakhs. Since my company is paying the premium amount, I'm not sure about it. My family also covered in this policy. Cashless treatment also available.
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      , hyderabad
      Reviewed on Aug 20, 2018
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