New India Assurance Group Health Insurance

Features & Benefits of New India Assurance Group Health Insurance

Here are some of the features and benefits of New India Assurance group health insurancepolicy:

• Pre-hospitalization expenses are covered in the New India Group policy for up to 30 days
• Post-hospitalization expenses are coveredin the New India Assurance Group health insurance for up to 60 days
• Room rent, boarding and nursing expense are covered but should not exceed 1% of SI for one day or actual, whichever is less
• ICU, ICCU expenses are covered but should not exceed 2% of SI/day or actual, whichever is less
• Surgeons, medical practitioners, anesthetists and consultants’ specialist fees are coveredas well
• Cashless hospitalization facitlity is available to the insured members under the New India Group Health Insurance Plan

New India Assurance Group Health Insurance: Inclusions

New India Assurance group health insurance policy provides coverage for the following:

• The insurance company will cover the charges for Cataract and it will be limited to an actual or maximum of Rs 24,000 per eye, whichever is less. The charges will be inclusive of all taxes.
• The insurance company will provide coverage for expenses incurred in Ayurvedic, Homeopathic or Unani treatment for up to 25% of the SI. The insured must get admitted to a government hospital or an institute recognized by Government
• The insurance plan provides coverage for ambulance charges for up to 1% of the SI or actual, whichever is less
• Coverage for treatment for the injuries caused due to an accident
• Coverage for dental treatment is provided under this insurance plan
• Domiciliary hospitalization is covered
• Daycare treatments/modern treatments like deep brain stimulation, oral chemotherapy, high intensity focused ultrasoundarealso covered under this insurance policy
• Inpatient treatment in which the patient has to stay in a hospital for more than 24 hours is covered
• OPD treatment in which the insured goes to a clinic/hospital for consultation and diagnosis is also covered
• Any pre-existing disease or injury was diagnosed and received medical advice or treatment within 48 months before the initiation of the policy is covered
• Charges for services and supplies during the period of stay at the hospital are also covered

New India Assurance Group Health Insurance: Exclusions

New India Assurance group mediclaim does not provide coverage for the followingexpenses:

• New India Assurance group mediclaim policy does not provide coverage for the vaccination and inoculation
• Any injury or disease caused due to war invasion, nuclear attack, radiation, contamination of radioactivity or due to any nuclear fuel or waste is not covered
• Cosmetic, circumcision and plastic surgery unless required to treat injury or illness is not covered
• Braces cost, external prosthetic devices, non-durable implants, contact lenses cost, hearing aids along with cochlear implants and durable medical equipment expenses are not covered
• All kinds of Dental treatments except those arising out of an accident are not covered
• Bodily injury or sickness caused due to willful exposure to danger is not covered
• Any injury caused due to active participation in any hazardous sports event
• Any injury sustained due to participating in any criminal activity is not covered
• Maternity expenses apart from the abdominal operation for extra uterine pregnancy which the insured has to prove by submitting the ultrasonographic report and certification by a Gynecologist stating that it is life-threatening
• Genetic disorders are not covered
• If the insured gets the treatment outside of India then the insurer will not provide coverage for it
• Naturopathy treatment is not covered
• Stem cell implantation or surgery is not covered
• Experimental and unproven treatments are not covered
• Changing the treatment from one way to another is not covered unless a hospital or consultant has not recommended it
• Service charges or any other charges are not covered except the registration and admission charges
• Treatments such as Rotational Field Quantum Magnetic Resonance (RFQMR) Hyperbaric Oxygen Therapy, External Counter Pulsation are treatments related to Age macular degeneration are not covered

How To Raise Claim Under New India Assurance Group Health Insurance Policy?

To raise the claim under the New India Assurance group mediclaim policy, follow the steps given below:

• Tell the Insurance Company: Inform your insurance provider about the incident after consulting with the doctor
• Ask the Insurer for Group Health Insurance Claim Form: Once you inform the insurer about the treatment, you need to ask your insurer for a claim form
• Keep Required Documents Handy: Along with the claim form, you will have to attach certain documents to the claim form before submitting it. Keep those documents handy
• Network Hospital: Yu can ask your insurer or look for yourself for a nearby network hospital where the treatment can be performed
• Cashless Claim or Reimbursement: If you get the treatment done in a network hospital then you will get a cashless claim and if you get the treatment in a non-network then you will have to pay for the treatment out of your pocket and the insurer will reimburse the paid amount in a few days

How To Renew New India Assurance Group Health Insurance Policy?

You can renew the New India Assurance group mediclaim policy online by following the steps mentioned below:

• Step 1: Visit the Policybazaar Insurance Brokers Private Limited's official website
• Step 2: Fill in your New India Group Mediclaim Policy number
• Step 3: Once you access your account, review the insurance plan
• Step 4: You can add or remove any add-oncoveras per your requirement
• Step 5: If you add an add-on the insurance premium will increase and if you remove an add-on then the premium will decrease according to the price of that add-on
• Step 6: Now you can make the payment using your debit or credit cards, UPI or net banking facility
• Step 7: Once you make the payment the insurance company will send the updated New India Assurance Group Health Insurance policy to your registered email as well as a hard copy to your registered home address

*Make sure to renew your insurance policy on time to get the benefit of coverage continuously.