New India Assurance Health Insurance is a public-sector government agency established in 1919 by Sir Dorbaji Tata. This company has been acknowledged worldwide for its prompt services and customer satisfaction. Among the many insurance policies, this company offers Health Insurance has been the prominent one. Health Insurance Plans include:
This Policy covers the entire family under one sum insured. The entry age is between 18 and 65 years. This covers Pre-and Post-Hospitalization for 30 days each, ambulance charges, Homeopathy, Unani and many others are covered under this policy. The renewability is the lifetime.
The proposer's age should be between 18 and 65 years and this is mainly to cover the medical expenses of a family with the girl child and it covers the child from 3 years to 25 years. Any unexpected accidents and hospitalizations charges including ambulance will be covered by this policy.
This policy, unlike others, is valid only for 12 months and the eldest member of the family is considered as the primary member. This covers Ambulance expense, daily allowance; get well benefit, AYUSH treatments Consultants fee and many more. If there is a pre-existing ailment for the proposer or any family member this policy won’t apply. The proposer should between 18 years and 65 years.
This is more usually opted by enterprises or business. This covers all the employees working in a firm or company and each of them has same benefits.
If you travel a lot and if you are looking for some sort health insurance which covers your hospital expenses wherever you are staying currently then this should be it. This policy only covers for 180 days if the proposer is continuously absent from India. The age limit for this policy is up to 6 months to 70 years.
Any Senior Citizen between the age 60 and 80 years can avail this policy. Also, any pre-existing illness is covered until 18 months of commencement of the policy. Pre-hospitalization charges are covered for about 30 days and post hospitalization chargers are covered for about 60 days.
Other Health Insurance Policies available in New India Assurance Lt are New India Janata Mediclaim, New India Mediclaim 2012 Policy, New India Mediclaim 2007 Policy, and Union Health Care Policy.
New India Assurance has been ranked ‘AAA/Stable’ in CRSIL and many surveys and rankings have nominated this as the best. Also, people who used these police were pretty satisfied with the services they provided under policies opted. If you are going to a Health Insurance Policy, it doesn’t hurt to go through New India Assurance Health Insurance Policies. Since it has branches in 22 countries, the reach is widespread.
The proposer for the insurance should need to have the age 18 to 65 and another member should be 65. Children of the age 18 years are involved in the insurance and get all the benefit of the new India health insurance. Their parents are also covered by default in the insurance.
The children between 18 years to the 25 years also involved in the process as they are financially dependent on their parents. If the child is mentally handicapped they are also covered under the insurance policy. The health check-up coverage for the person above 50 years is covered under the policy. The below-mentioned persona can avail the insurance services:
1) Room rent of the hospital from the threshold value of 5000 per day for 500000 and coverage of 8000 per day for the value 800000.
2) A medical practitioner, consultation, and specialist fee are included in the insurance.
3) Medicine, drugs, oxygen, blood, anesthesia, chemotherapy, Radiotherapy, cost of medical devices, surgical operation pacemakers, X-ray all the resources cost is covered by the insurance.
4) Organ donor hospitalization cost is also the part of the insurance policy.
5) Pre and post hospitalization expenses from 30 days to 60days are covered
6) Ambulance charges
7) Limited Ayurveda treatment also covered in the policy
8) Pre-existing diseases of the person
The individual between the ages of 60 to 80 is can be covered by the new India insurance policy. The Renewal of the policy can be done until the age of 90 years. It is important that the applicant should have done the health check-up to get the insurance policy.
Sum assured in the policy is can be from 1 Lakh to 1.5 Lakh and no claim bonus can increase the amount 5% each year. The premiere of the policies can be varying from 3850 to 7650. It depends upon the age of the applicant.
There are so many accidental plans are covered under the policy. Some of them are mentioned below:
The person between the ages of 5 years to 70 years can be covered by the accidental insurance policies. This plan covers all type of bodily injuries.