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New India Assurance

New India Assurance

New India Premier Mediclaim: A great policy offering comprehensive protection, outpatient consultation coverage after 2 years, maternity benefits, and a critical illness payout. However, it's expensive.

What We Like

This section highlights the strengths and benefits of Premier Mediclaim Plan policy by New India Assurance. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Maternity Benefits

Maternity Coverage (?50,000, 3-Year Wait): The plan covers maternity expenses up to ?50,000. However, you have to wait for three years to claim this b...

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/90 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ins...

What Is Okay

This section outlines the satisfactory but not exceptional aspects of Premier Mediclaim Plan policy by New India Assurance. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Reasonable waiting period for pre-existing diseases

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

Some Cover for Alternative Medicine

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

What We Don't Like

This section addresses the limitations and drawbacks of Premier Mediclaim Plan policy by New India Assurance. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

No Restoration Benefit

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Your insurer doesn’t provide free health check-ups

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No Restoration Benefit

Alternative Treatment Coverage (20%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer wil...

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Your insurer doesn’t provide free health check-ups

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Your insurer doesn’t provide free health check-ups

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Your insurer doesn’t provide free health check-ups

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for New India Premier Mediclaim Plan in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Premier Mediclaim Plan is designed to offer the highest level of health coverage with premium benefits, ideal for individuals seeking extensive protection.

Yes, pre-existing conditions are covered after a waiting period of 24 months.

The plan includes wellness benefits such as health check-ups, access to fitness programs, and nutritional counseling.

Yes, the plan offers global coverage for emergency hospitalization while traveling abroad.

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