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New India Assurance

New India Assurance

Top-Up Plan with 22 Lakhs Cover: A decent top-up plan, but with a 22 lakhs maximum cover, it's better to choose a super top-up plan for better coverage.

What We Like

This section highlights the strengths and benefits of New India Top-up Mediclaim 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.

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...

Your insurer won’t pay the full bill for certain diseases

Cataract and Modern Treatments: Coverage for cataracts up to ?50,000 per eye; modern treatments have limits ranging from 10% to 50%.

Some Cover for Alternative Medicine

Alternative Treatment Full Coverage (100%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insur...

What We Don't Like

This section addresses the limitations and drawbacks of New India Top-up Mediclaim 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.

Restrictions on the rooms you can pick and much more

ICU Coverage (?5L and ?8L Deductibles): Up to ?5,000 (?10,000 for ICU) for a ?5L deductible, and up to ?8,000 (?16,000 for ICU) for an ?8L deductible.

Long waiting period for pre-existing diseases

ICU Coverage (?5L and ?8L Deductibles): Up to ?5,000 (?10,000 for ICU) for a ?5L deductible, and up to ?8,000 (?16,000 for ICU) for an ?8L deductible.

No coverage for Day Care treatments

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Pre & Post hospitalization

No Coverage for Minor Procedures: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will not cover the costs. This incl...

No Restoration Benefit

Not Covered

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...

Long waiting period for pre-existing diseases

ICU Coverage (?5L and ?8L Deductibles): Up to ?5,000 (?10,000 for ICU) for a ?5L deductible, and up to ?8,000 (?16,000 for ICU) for an ?8L deductible.

No coverage for Day Care treatments

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Pre & Post hospitalization

No Coverage for Minor Procedures: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will not cover the costs. This incl...

No Restoration Benefit

Not Covered

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 coverage for Day Care treatments

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Pre & Post hospitalization

No Coverage for Minor Procedures: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will not cover the costs. This incl...

No Restoration Benefit

Not Covered

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...

Pre & Post hospitalization

No Coverage for Minor Procedures: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will not cover the costs. This incl...

No Restoration Benefit

Not Covered

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

Not Covered

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 Top Up Mediclaim in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Top-Up Mediclaim Plan is designed to provide additional coverage over and above existing health insurance, ideal for covering high medical expenses.

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

The deductible is the amount that must be paid out-of-pocket before the insurance coverage kicks in; this plan allows you to choose the deductible amount.

No, the Top-Up Mediclaim Plan does not cover outpatient consultations.

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