Medindia » Health Insurance » New India Assurance Policies - Health Policies 2009-10
Disease Info Index
Page Options
Health Insurance Topics
About Ombudsmen
About Third Party Administrators
An Introduction - Indian General [Non-Life] Insurance Companies
An Update on UK Health Insurance
Apollo Munich Health Insurance Company Limited - Premium - Policy Details
Awareness about Healthcare Insurance in India
Bajaj Allianz - Health Insurance Policy for Senior Citizens
Bajaj Allianz Insurance
Bharti AXA General Insurance Company Ltd
Comprehensive Health Insurance Scheme in Tamil Nadu
Customer Care in Health Insurance Industry
Employee State Insurance Corporation (ESIC)
Fraudulent Health Insurance Claims
Future Generali Insurance-Group Health-Group Personal Accident-Accident Suraksha
HDFC Ergo General Insurance Company Limited
Health Insurance
Health Insurance Basics
Health Insurance For Pre-Existing Conditions
Health Insurance for Senior Citizens – Comparison Chart of Policies - Comparison of Health Insurance Products
Health Insurance for Senior Citizens in India – General Guidelines
Health Insurance in Europe
Health Insurance In India - A General Overview
Health Insurance in India - An Introduction
Health Insurance Plan
Health Insurance Policies - Fine Prints
Health Insurance Portability and Accountability Act [HIPAA]
Health Insurance Portability Now a Reality
Healthcare Insurance-Common Terms and Definitions
ICICI Lombard General Insurance - About
Iffco-Tokio General Insurance Pvt Ltd
Insurance Agent - Your Friend and Your Guide
Insurance Concepts and IRDA [Insurance Regulatory and Development Authority]
Key Procedures for Filing a Healthcare Insurance Claims
Max Bupa Health Insurance Company Limited
National Insurance – Health insurance Policy for Senior Citizens
National Insurance-Salient Features-Parivar-Varistha-Baroda Health
Oriental Insurance - Senior Citizen Specified Diseases Insurance
Oriental Insurance-Individual Mediclaim-Family Floater-Personal Accident
Overview on USA Healthcare Insurance
Premium Calculation by Health Insurance Companies
Raheja QBE General Insurance Pvt Ltd
Reliance General Insurance
Royal Sundaram General Insurance Company Limited
Shriram General Insurance-Claims-Liability Policy-Personal Accident
Star Health and Allied Insurance - Senior Citizens Red Carpet
Tata AIG General Insurance Company Ltd
The Cholamandalam Health Insurance Policies
The Mediclaim Policy: 2007
The New India Assurance - Senior Citizens Mediclaim Policy
TPA (Third Party Administrator) for Claims and Cashless Health Insurance
Travel Plans - Star Health Travel Plans
United India Insurance
United India Insurance Company - Senior Citizen Health insurance
Universal Sompo General Insurance Pvt Ltd
What is Medicare / Medicaid? - Eligibility - Payment - Reference
Health Insurance Blogs

New India Assurance Policies

The New India Assurance Company Ltd

RSS Feeds   Text 
There are two types of health policies being offered by The New India Assurance Company Ltd for the year 2009-10 as follows:-

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:-

A. (i) Room, Boarding expenses upto Rs.150/- per day
(ii) If admitted in ICU upto Rs.300/- per day
B. Surgeon, Anesthetist, Consultant, specialists fees, Nursing expenses upto Rs.4,500/- per illness/ injury
C. Anesthesia, Blood, Oxygen, OT charges, Medicines, Diagnostic material & X-Ray, Dialysis, Radiotherapy, Chemotherapy, Cost of pacemaker, Artificial limb, etc upto Rs. 4,500/- per illness/ injury
D. Total expenses incurred for any one illness upto Rs. 15,000/-

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

For an individual Rs. 300/- per annum
For a family up to 5 (including the first 3 children) Rs. 450/- per annum
For a family up to 7 (including the first 3 children and dependent parents) Rs. 600/- per annum

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.

Share it!
Comment & Contribute
Comments should be on the topic and should not be abusive. Comments are normally moderated and are reviewed after they are posted.
* Your comment can be maximum of 2500 characters

Notify me when reply is posted
I agree to the terms and conditions
  
If you have a question about health related issues, you can now post it in our Ask An Expert section on our community website Medwonders.com and get answers from our panel of experts.
Posted by:  rambabu  Posted on: 05/16/2012
MD15-0006441811 i want to know the status of my health insurance



Posted by:  suvarnamk  Posted on: 05/14/2012
If the claim happens due to any drug reaction ,would the claim become eligible?



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:  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:  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:  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:  HENIKA  Posted on: 11/25/2011
KINDLY CONTACT




Posted by:  rashmijaipan(Guest)  Posted on: 10/31/2011
i have new india medical policy.policy no 3000075735. but some reason i am missed my premium date.can i renewed my policy again.



Posted by:  dubeyrakesh(Guest)  Posted on: 07/29/2011
My sister is 31years old.I want to have a mediclaim policy for Rs.2lakh cover.Kindly provide me premium details for the same. with regards rakesh dubey


Posted by:  HENIKA  Posted on: 11/25/2011
2862 for your sister with service tax and for 5 lac 5967




Posted by:  Benov2  Posted on: 05/27/2011
I am a Mediclaim Policy holder for me and my wife since 18.06.2002. Initial premium was Rs9049.00 for Rs250000.00 cover each. The policy was renewed uninterrupted and for the period 18.06.2009 to 17.06.2010 the premium was Rs15923.00 for Rs250000.00 each with 30%NCB or Rs350000.00 each. In 2009 December I had to undergo an angioplasty. Hospital Bill Rs637679.11 and cashless claim settled for Rs350000.00. Policy renewed from 18.06.2010 to 17.06.2011 premium with 100% loading was Rs27565.00. Policy again renewed from 18.06.2011 to 17.06.2012 premium Rs41375.00 this time with 200% loading! Date of birth for self and wife is 29.10.1944 and 05.10.1948. Is New India Assurance justified in leveling 300% loading in two years? Thanks Capt Benjamin



Posted by:  Jaguji32(Guest)  Posted on: 03/13/2011
Dear Sirs, I am a mediclaim policy holder since many years with your company. As my renewal date was nearing I thought of increasing the policy value. I am told by the agent that as you are above 60 [actually I am nearing 70], no increase in the value can be done. I wish to know why? I am healthy never have claimed a single rupee from you and by increasing the value I will have to pay larger premium. Pl. let me know if this is true or not? Thanks Dr. J.G.Bhatt Junagadh




View all Comments (37) 
X
Related Links
Star Health Travel Insurance Plans
Health Insurance: Welcome Trends!
Max Healthcare Launches Outpatient Health Plans
Third Party Administrators in India
Citing this Health Article
The information on Medindia is factual, unbiased and authentic. If you find the content useful - PLEASE INCLUDE A LINK TO THIS PAGE.

Highlight the text, right-click, and select “copy”. Paste the link into your website, email, or any other HTML document.

News on New India Assurance Policies
* Individual Market Insurance Does Not Provide Coverage Equivalent to Even the Lowest Plan Available Under ACA
* Report: A Lot of Americans Have No Access to Health Care
* Greece Faces Humanitarian Crisis as Health Care Access Declines in EU, Doctors Group Warns
* New Tool Developed to Help Decide What Drugs to Include in Health Care Formularies
* Treatment in ED is Based on Children's Insurance Status
Total News Item 747
Are you a member of Facebook? Become a fan of Medindia and get breaking news delivered to your Facebook page.