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New India Assurance Policies
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The New India Assurance Company Ltd |
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a) Universal Health Insurance Scheme b) Jan Arogya Bima Policy a) Universal Health Insurance Scheme - Salient features ![]() Medical Reimbursement The policy provides reimbursement of hospitalization expenses upto Rs.30,000/- to an individual /family, subject to the following sub-limits:-
Personal Accident Cover Coverage for Death of the Earning Head of the family (as named in the schedule) due to accident: Rs. 25,000/-. Disability Cover If the earning head of the family is hospitalized due to an accident / illness a compensation of Rs.50/- per day will be paid per day of hospitalization up to a maximum of 15 days after a waiting period of 3 days. For purpose of this policy HOSPITAL means: • Any Hospital/ Nursing home registered with the local authorities and under the supervision of a registered and qualified Medical practitioner. • Hospital/ Nursing Home run by Government. • Enlisted hospitals run by NGOS / Trusts / selected private hospitals with fixed schedule of charges. • It should have minimum 15 beds (10 in case of class 'C' cities having a population lest than 5 lakhs) with fully equipped OT, fully qualified nursing staff round the clock and fully qualified doctor should be in charge round the clock. • Hospitalization should be for a minimum period of 24 hrs. However this time limit is not applied to some specific treatments and also where due to technological advancement hospitalization for 24 hrs may not be required. Other Features • Any One Illness - Will be deemed to mean continuous period of illness and it includes relapse within 60 days from the date of last consultation with the hospital. • Age Limitations - This Policy covers people between the age of 3 months to 70 years. • Family - Means earning head, spouse and up to maximum of three dependent children. Dependent parents can also be included. • Floater Basis - The benefit of family will operate on floater basis i.e. the total reimbursement of Rs.30,000/- can be availed of individually or collectively by members of the family. Premium
Premium Subsidy for BPL Families For families below the poverty line the Government will provide a premium subsidy of Rs.100/- per family. b) Jan Arogya Bima Policy Salient Features This policy is designed to provide cheap medical insurance to poorer sections of society. Premium up to Rs.10000/- qualifies for tax benefit under Sec 80D of the Income Tax Act. Service tax is not applicable to the policy. Scope The coverage is along the lines of individual mediclaim policy except that cumulative bonus and medical checkup benefits are not included. The Sum Insured per insured person is restricted to Rs 5000/-. Eligibility The policy is available to individuals and family members. The age limit is 5 to 70 years. Children between the age of 3 months and 5 years can be covered provided one or both parents are covered concurrently. Major Exclusions Any disease contracted within 30 days from commencement of risk, Injury/disease caused by war perils/nuclear perils, Circumcision, Routine eye examination, Dental treatments/surgery of any kind unless requires hospitalization, Convalescence/general disability/run down condition or rest cure etc, Expenses on vitamins and tonics, Treatments arising from or traceable to pregnancy/child birth inclusion of caesarian section. c) Janata Personal Accident Policy Highlights The insurance pays specified benefits if the insurance sustains bodily injury resulting solely and directly from accident caused by outward violent and visible means. The minimum sum insured is Rs 25000/- and maximum Rs 1,00,000/- per person per annum. The rate of premium is Rs 15/- per sum assured of Rs 25000/- which can be increased in multiples of Rs 25,000/-. Scope This policy provides compensation in the event of death or permanent disablement or loss of limbs or sight in eyes. Eligibility Any person, irrespective of sex and occupation in the age group 10 to 70 years may be covered. Major Exclusions Intentional self injury, suicide or attempted suicide, accident while the insured is under the influence of intoxicating liquor or drugs, loss caused by insanity, loss due to breach of law with criminal intent, War and allied perils, nuclear radiation. Website:- www.newindia.co.in Disclaimer: This information is extracted from the company’s official website to provide information to the general public. The information is likely to change based on the concerned insurance companies’ discretion. Alterations, deletions and/or additions to the existing policy products, coverage and their premiums may be enhanced or reduced. These figures are only guidelines. We recommend the individual to visit the official website of the insurance company for more details and updated matters. |
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Posted by:
Pawan1oct(Guest)
Posted on: 04/09/2013 It is saddening to hear that New India Assurance is not doing the above two policy because they don't find viability due to less premium and more work. They don't get anything in these two policies hence don't want to do. Even speak to NOIDA Branch, Regional Head,No reply .
Pawan Kumar Singh , Founder President Purvanchal Vikas Foundation,www.purvanchalvikas.org.
Right Now Organization is working with Migrant wage workers in Delhi/NCR and we want all workers are covered under social security. Mor than 100 workers are registered with us and adding per day.
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Posted by:
shanuradhakrishnan(Guest)
Posted on: 03/30/2013 hai, my Aunty she and her daughter go for checkup in KIMS hospital in Thiruvananthapuram and they didn't claim for the checkup and they don't know about it. Actaully they take the Mediclaim Policy 2007[Hospitalization benefit Policy] on 2009 and they renew it. The policy number in 2013 to 2014 is 76090434120100000041. So far they didn't claim. So Can I know whether they can claim for the checkup
Posted by:
s.k.thakkar
Posted on: 01/28/2013 can anyone tell me there is any new circular regarding this policy which declare that mimimum limit of mediclaim is compulsary of rs.2 lakh.please guide me urgently.
Posted by:
avrps2573g
Posted on: 08/19/2012 i have a mediclaim polciy 2007 from new india assurance co. ltd. for Rs 300000/- this years which started from 75000/- in 2007-08 , 2008-09 100000/- onwards 300000/- for 3 consecutive years with any break sixth renewal falling on 14-09-0-12 . i have major heart stroke on 30-06-12 got addmitted to sahara hospital where i was done angioplasty following the ecg and angiography by the hsopital. when lodged the claim the raksha tpa only paid 127500/- quoting that the i have been having htn hipertension for last 12 yers so was restricted to the sum ensured of Rs 127500/- equal the SI before 4 complete policy years total expense was 210415/- ..is it justfiable on the part of the raksha tpa or the insruance company when the polciy does not speak clearly about the curtailing the claim amount like this.
please guide me to get the balance of sum ensured.
ashutosh gupta
lakhimpur kheri UP |
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Posted by:
Bhavish
Posted on: 05/07/2012 I am Nikhil Salia.
I want to know whether I can increase my Father and Mother's mediclaim insurance from current 1 lac each to 3 lacs each.They are under New India Insurance Mediclaim-2007 Policy.They haven't claim Mediclaim for past 5 yrs.What are terms and conditions to increase the cover.Will every thing be covered as in 1 lac policy and whether they will have to undergo health check up again.
Posted by:
avrps2573g
Posted on: 08/19/2012 PERHAPS ABOVE THE AGE OF 45 THE MEDICAL CEHCK UP SHALL BE CONDUCTED IF SI IS INCREASING
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Posted by:
pipat
Posted on: 04/19/2012 i am parvinder pipat i would like to know which one diseases are not covered under mediclaim policy 2007 even after 3 years in new india assurance co ltd
Posted by:
avrps2573g
Posted on: 08/19/2012 SOME AGE RELATED PROBLEMS / TREATMENT SUCH AS Osteoarthritis and Osteoporosis and JOINT REPLACEMENT FACILITY / TREATMENT DO HAVE A WAITING PERIOD OF 4 YEARS ONWARDS THANKS
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Posted by:
sukan(Guest)
Posted on: 02/22/2012 my name Sudha M Bhatt,policy no:.I am planning to undergo cataract operation of left eye.kindly inform me how much max.reimbursement allowed.Iam sr. citizen.pl.call me on my at earliest
Posted by:
avrps2573g
Posted on: 08/19/2012 PERHAPS THE MAX LIMIT FOR THE CATARACT OPERATIVE FOR ONE EYE IS EITHER 10000 OR 12000/- |
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Posted by:
bhuvanes(Guest)
Posted on: 11/11/2011 My name is R.Bhuvaneswaran, i have new india medical policy.policy no 710800/34/10/11/00001235. but some reason i am missed my premium date 12.10.20011. Now can i renewed my policy possible again or not
Posted by:
avrps2573g
Posted on: 08/19/2012 IF PREMIUM NOT PAID IN DUE TIME , THE POLICY PREIMUM PAID AFTER DUE DATE IS TAKEN AS IF FOR THE NEW / FRESH POLICY, CONSEQUETLY THE WAITING PERIOD , NCB,ETC WOULD THE ISSUES OF LOSS TO U |
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