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  • New India Top-Up Mediclaim Policy

    The New India Assurance, the largest state-owned general insurance company in India, offers a range of insurance products in various categories. In the health insurance domain, the company has various products to provide comprehensive coverage for its customers. The Top-Up Mediclaim Policy is developed to provide extra coverage in addition to an existing health insurance plan. The insured can choose between two different threshold options and avail benefits for expenses incurred over the threshold. Coverage from this top-up policy will kick in once the medical expenses cross the threshold limit.

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Eligibility for New India Top-Up Mediclaim Policy

    The following eligibility criteria must be met for policyholders to enroll themselves in New India Top-Up Mediclaim Policy:

    • The age of the proposer must be between 18 years and 65 years.
    • Dependent children between the age of 3 months and 18 years can avail this cover provided both their parents are concurrently covered.
    • A maximum of 6 family members can avail this policy cover.
    • Lifetime renewability option is available for people entering this policy cover.

    Features of New India Top-Up Mediclaim Policy

    Some of the key features of New India Top-Up Mediclaim Policy can be given as follows:

    • The sum insured options for this top-up policy cover ranges from Rs.5 lakh to Rs.22 lakh.
    • Policyholders can choose between the threshold (deductible) options of Rs.5 lakh and Rs.8 lakh.
    • The sum insured amount and the threshold limit can be enhanced only at the time of renewal.
    • Sum insured enhancement will not be available for people renewing this cover after 65 years of age.
    • Pre-insurance medical examination is mandatory for people entering the policy over the age of 50 years.
    • The medical examination taken for this policy is valid for a maximum of 30 days.
    • Following the acceptance of a proposal, the company will reimburse 50% of the medical examination costs.
    • Any pre-existing conditions will not be covered for up to 4 years of continuous policy coverage.
    • There is a general waiting period of 30 days before coverage can begin under this policy.
    • Certain conditions like cataract, hernia, congenital internal disease, hypertension, hydrocele, etc. have a waiting period of 2 years.
    • Joint replacement surgery, age-related osteoporosis, and osteoarthritis have a waiting period of 4 years.
    • Pre and post hospitalisation expenses are not covered under this top-up policy.
    • This policy can be ported to other insurers within the guidelines provided by the Insurance Regulatory and Development Authority of India (IRDAI).
    • There is a free look period of 15 days to review the terms and conditions of this cover.

    Benefits of New India Top-Up Mediclaim Policy

    Benefits Extent of cover
    Room rent, boarding, and nursing expenses Up to Rs.5,000 (for threshold Rs.5 lakh) Up to Rs.8,000 (for threshold Rs.8 lakh)
    Intensive care unit charges Up to Rs.10,000 (for threshold Rs.5 lakh) Up to Rs.16,000 (for threshold Rs.8 lakh)
    Hospitalisation expenses Up to the sum insured limit
    Get well benefit Up to Rs.5,000 (for threshold Rs.5 lakh) Up to Rs.8,000 (for threshold Rs.8 lakh)
    Emergency ambulance cover (for one hospitalisation) Up to Rs.5,000 (for threshold Rs.5 lakh) Up to Rs.8,000 (for threshold Rs.8 lakh)
    Hospital cash Rs.500 (for threshold Rs.5 lakh) per day Rs.800 (for threshold Rs.8 lakh) per day
    Cataract claims Up to Rs.50,000
    Day care treatment Expenses covered for treatments like dialysis, chemotherapy, radiotherapy, eye surgery, dental surgery, etc.
    AYUSH Treatment Covered for treatments undertaken in any hospital recognized by the government

    Exclusions of New India Top-Up Mediclaim Policy

    The list of exclusions applicable for New India Top-Up Mediclaim Policy can be given as follows:

    • Pre hospitalisation and post hospitalisation expenses
    • Illnesses or injuries caused by war, invasion, or any warlike activities
    • Cosmetic or aesthetic treatments including circumcision, plastic surgery, etc.
    • Any kinds of dental treatment unless arising out of an accident
    • Expenses related to vaccination or inoculation
    • Convalescence, general debility, or run down condition
    • Expenses related to domiciliary hospitalisation
    • Treatment for congenital diseases, birth defects, etc.
    • Expenses incurred for any kinds of psychiatric or mental disorders
    • Injuries or illnesses caused while breaking the law with criminal intent
    • Any kinds of sexually transmitted diseases
    • Cost of medical equipment such as braces, crutches, contact lens, spectacles, hearing aids, etc.
    • Any kinds of unproven or experimental treatments
    • Expenses related to pregnancy, miscarriage, childbirth, abortion, etc.
    • Expenses incurred for domiciliary treatment
    • Any kinds of non-medical expenses incurred during a hospital stay
    • Expenses for treatment taken outside the country

    Claim Procedure

    The claims made by policyholders are settled with the help of a third-party administrator (TPA). The TPA must be informed 48 hours before a planned hospitalisation or within 48 hours of emergency hospitalisation. Cashless treatment is available subject to pre-authorisation by the TPA. The cashless claim form along with the required documents can be sent to the TPA through fax and approval can be obtained.

    Reimbursement claims can be made after discharge from the hospital. In order to make the reimbursement claim, various documents like medical bills, diagnostic reports, discharge summary, physician certificate, etc. must be submitted to the TPA. Once the documents are submitted, the TPA will verify the claim and provide the reimbursement amount within a maximum of 30 days.

    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    New India Top-Up Mediclaim Policy Reviews

    • Apollo Munich Health Insurance
      "Worst and Fraud insurance. never take it. rejects all claims"
      0.5 0.5/5 "Unacceptable"
      They reject all claims without proper reason. I personally experienced it. My claim of hospital bill was rejected giving any wrong reason. I urge all people, never take any policy of apollo munich. claim ID: 948912 case ID:5208987. Anyone can check my claim. Fraud apollo munich company, Playing with people money.
      Was this review helpful? 1
      , mumbai
      Reviewed on Mar 15, 2019
    • Star Health Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the STAR HEALTH & ALLIED INSURANCE where i been using the policy since from last few years. The premium i have paid is 11K for this policy, the medical coverage is for 2L 50K for this policy where the coverage is for self.
      Was this review helpful? 5
      , new delhi
      Reviewed on Jan 30, 2019
    • Royal Sundaram Health Insurance
      "GOOD POLICY"
      0.5 4.5/5 "Excellent!"
      I have been using the health insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE since from last 4-5 years where i had claim once with this policy. The medical coverage is for 4L for complete family. The premium is nominal with this insurance policy.
      Was this review helpful? 1
      , bilaspur
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the HDFC ERGO GENERAL INSURANCE health insurance is because i wanted to enhance the medical coverage of this policy. It is a top up plan where i the coverage is for 6L for family. It also includes the pre existing disease coverage.
      Was this review helpful? 1
      , bilaspur
      Reviewed on Jan 29, 2019
    • Tata AIG Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the health insurance policy with the TATA AIG GENERAL INSURANCE since from last 10 years as i have no claim experience with this insurance policy. The premium is nominal also the medical coverage they have offered is 5L for self.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      Bankbazaarinsurance.com i am using it for the very first time as i am using it through the website as the portal is convenient to access also it is hassle free to apply for the insurance. The customer service is very good they explain the details of the policy.
      Was this review helpful? 1
      , indore
      Reviewed on Jan 29, 2019
    • National Insurance Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the NATIONAL INSURANCE is because the service is very good. The premium is nominal also the medical coverage what they have offered is 1L for self coverage. It has the disease coverage also the accidental coverage.
      Was this review helpful? 0
      , indore
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaarinsurance.com where i have been using it through the website as the portal is user friendly also it is convenient to access. The customer service is good by explaining the details of the policy.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the HDFC ERGO GENERAL INSURANCE is because i am an existing customer of life insurance with this HDFC. I had no claim experience with this policy but the medical coverage is for 5L for self.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 29, 2019
    • Bajaj Allianz Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I am using with the health insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE from last two years which is a corporate policy where i had no claim experience but the premium i am paying for yearly where half of the amount has been paid by the company. The medical coverage they are providing is for 2L for family.
      Was this review helpful? 0
      , kumarakom
      Reviewed on Jan 27, 2019
    • Apollo Munich Health Insurance
      "EXCELLENT"
      0.5 4.0/5 "Great!"
      The premium is nominal when compared to the other health insurances with the APOLLO MUNICH so i have taken this health insurance policy. The claim settlement is very good and the customer service is very helpful. I had no claim experience but the medical coverage is for 10L with this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 25, 2019
    • review Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have been using the health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last 10 years where i have paid the premium for 7 years. The customer support is very helpful for getting the claim where i got 60K of claim with this policy. Medical coverage is for 5L for family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com i am using it from last more than one year and i have been using it through the website as i have faced with no issues with this portal and it is hassle free to access. The customer service is very good by explaining the details of the policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • Universal Sompo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The benefits are good with the UNIVERSAL SOMPO GENERAL INSURANCE health insurance so i have taken this insurance. I had no claim experience with this insurance policy but the premium is nominal and the medical coverage is for 10L and the policy coverage is family.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      This is the first time experience with the Bankbazaarinsurance .com where i am using it through the mobile application as the application is user friendly and also it is hassle free to use. The customer service is comfortable and they are responsive and it is good.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      It is the better plan when compared to the others so i have taken the health insurance policy with the HDFC ERGO GENERAL INSURANCE. Premium is nominal and also the medical coverage is satisfactory which gives the medical coverage is for family.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      I have taken the HDFC ERGO GENERAL INSURANCE health insurance policy with the where i have paid the premium 4187 and the medical coverage is satisfactory with this policy. I had no claim experience with this policy. I have not got the soft copy as well as the hard copy.
      Was this review helpful? 1
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com is the first time experience where i have been using it through the website as the portal is user friendly also it is comfortable to access. The customer support is with no proper response because they have not followed up.
      Was this review helpful? 0
      , hisar
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      The service is better than others so i have taken this HDFC ERGO GENERAL INSURANCE health insurance policy. I had no claim experience but the medical coverage is for 3L for self. I have not received the soft copy and the hard copy. There is no proper customer followup. The premium i have paid is 8,035.
      Was this review helpful? 2
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 3.0/5 "Satisfactory"
      It is the first time experience with the Bankbazaarinsurance.com where the portal is very good to use. I use it through the website as the portal is user friendly and hassle free to access. The customer service is very good and they are responsive.
      Was this review helpful? 1
      , nellore
      Reviewed on Jan 23, 2019
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