Q1. What is the deductible amount under New India Assurance Top-up Mediclaim plans?

Ans: The New India Assurance Top-up mediclaim policy comes with two deductible options â Rs 5 lakh and Rs 8 lakh. While Rs 5 lakh deductible applies to a sum insured of Rs 5/10/15 lakh, a deductible of Rs 8 lakh is applicable in case the sum insured is Rs 7/12/17/22 lakh.

Q2. Is a medical check-up compulsory to buy a New India Assurance Top-up Medilciam policy?

Ans: If your age is more than 50 years or if you have an adverse medical or claim history, then you will have to undergo a pre-acceptance health check-up before buying a New India Assurance Top-up Mediclaim policy. But if you have an existing policy from the New India Assurance Company and havenât raised a claim in the last two years, then you donât need a pre-acceptance medical check-up even if you are above 50 years old.

Q3. Does the New India Assurance Top-up Mediclaim policy cover day care procedures?

Ans: The New India Assurance Top-up Mediclaim policy does not provide for day care procedures unless it is a modern treatment.

Q4. Will the New India Assurance Top-up Mediclaim policy cover my child with a psychiatric disorder?

Ans: No. The New India Assurance Top-up Mediclaim policy does not provide coverage for the treatment of psychiatric and psychosomatic disorders in children.

Q5. Can I enhance my New India Assurance Top-up Mediclaim policy sum insured if Iâm 66 years old?

Ans: No. You cannot increase the sum insured of your New India Assurance Mediclaim policy if your age is more than 65 years old.

New India Assurance Health Insurance Top up mediclaim Plans Online in India

New India Assurance Top-up Mediclaim Policy

The New India Assurance Top-up Mediclaim policy is designed to provide health coverage in case of additional medical expenses. The policy can be claimed as soon as the medical expenses cross the compulsory deductible limit. Besides hospitalization, the policy also provides coverage for mental illness, genetic diseases, cataract treatment, artificial life maintenance, etc.

Categories	Specifications
Sum Insured	Rs 5 lakh to Rs 22 lakh
Policy Tenure	1 year
Network Hospital	3000+
Incurred Claim Ratio (2020-21)	92.79%
Pre-existing Diseases Waiting Period	4 years
Initial Waiting Period	30 days
Specific Ailments Waiting Period	90 days/ 2 years / 4 years

Benefits of New India Assurance Top-up Mediclaim Policy

Check out some key benefits of buying a New India Assurance Top-up Mediclaim policy:

No Need for a Base Policy

This top-up policy does not require you to have a base health insurance policy. You can buy this policy even if you do not have any other health plan. However, the coverage will be provided only after you have paid for medical expenses equivalent to your deductible amount.

Get Well Benefit

Under this unique benefit, the insurance company will pay a fixed amount to the policyholder over and above the hospitalization expenses during the treatment of any one illness. Moreover, this benefit is payable to up to four claims.

Cashless Hospitalization

With this policy, policyholders can avail cashless hospitalization facilities pan India at more than 3000 network hospitals of the New India Assurance Company.

Tax Benefits

As per Section 80D of the Income Tax Act, the premium paid towards the New India Assurance Top-up Mediclaim policy is eligible for tax benefits.

What is Covered by New India Assurance Top-up Mediclaim Policy?

The following coverage is offered under a New India Top-up Mediclaim policy:

In-patient Hospitalization Expenses – It covers the medical expenses incurred on hospitalization of at least 24 hours, including room rent, ICU charges, cost of medicines, doctor’s fees, etc.
Organ Donor Expenses – It covers the cost of harvesting the organ of a donor required for the treatment of the insured.
Get Well Benefit – It pays a fixed amount to the policyholder for the treatment of any one illness for the first four claims. While Rs 5000 will be paid for a deductible of Rs 5 lakh, Rs 8000 will be paid for a deductible of Rs 8 lakh.
Ambulance Service Expenses – It covers one-time ambulance service charges for the treatment of any one illness.
Hospital Cash – It pays a daily hospital allowance of up to Rs 500 per day and Rs 800 per day for a deductible of Rs 5 lakh and Rs 8 lakh respectively. The hospital cash will be paid for any one illness for a maximum of 10 days.
Cataract Treatment – It covers the cost of cataract treatment for up to Rs 50,000 per eye.
AYUSH Treatment – It covers the hospitalization expenses incurred on treatments taken through Ayurveda, Siddha, Homeopathy, Yoga and Unani.
Specific Coverage – It provides coverage for specific conditions, including mental illness, puberty & menopause-related disorders, artificial life maintenance, genetic disorders, impairment of a person’s intellectual faculties, behavioural & neuro developmental disorders and age-related macular degeneration.
Modern Treatments – It provides coverage for 12 modern treatments, including robotic surgeries, deep brain stimulation, stem cell therapy, bronchial thermoplasty and oral chemotherapy.

What is Not Covered by New India Assurance Top-up Mediclaim Policy?

A New India Assurance Top-up Mediclaim policy does not provide coverage for the following expenses:

Pre & post-hospitalization expenses
Dental treatment
Obesity and weight control treatments
Maternity expenses
Treatment of alcohol addiction
Treatment for a refractive error of less than 7.5 dioptres
Domiciliary hospitalization
Cosmetic or plastic surgery
Infertility and sterility
Intentional self-injury
Treatment taken outside India
Change of gender treatment

Eligibility Criteria of New India Assurance Top-up Mediclaim Policy

Here are the eligibility criteria to buy a New India Assurance Top-up Mediclaim policy:

Parameters	Eligibility Criteria
Minimum Entry Age	Adult – 18 years Child – 3 months
Maximum Entry Age	Adult - 65 years Child – 25 years
Coverage Type	Individual and floater
No. of People Covered	6
Relationships Covered	Self, spouse, dependent children and dependent parents
Renewability	Lifetime

FAQs

Q1. What is the deductible amount under New India Assurance Top-up Mediclaim plans?

Ans: The New India Assurance Top-up mediclaim policy comes with two deductible options – Rs 5 lakh and Rs 8 lakh. While Rs 5 lakh deductible applies to a sum insured of Rs 5/10/15 lakh, a deductible of Rs 8 lakh is applicable in case the sum insured is Rs 7/12/17/22 lakh.
Q2. Is a medical check-up compulsory to buy a New India Assurance Top-up Medilciam policy?

Ans: If your age is more than 50 years or if you have an adverse medical or claim history, then you will have to undergo a pre-acceptance health check-up before buying a New India Assurance Top-up Mediclaim policy. But if you have an existing policy from the New India Assurance Company and haven’t raised a claim in the last two years, then you don’t need a pre-acceptance medical check-up even if you are above 50 years old.
Q3. Does the New India Assurance Top-up Mediclaim policy cover day care procedures?

Ans: The New India Assurance Top-up Mediclaim policy does not provide for day care procedures unless it is a modern treatment.
Q4. Will the New India Assurance Top-up Mediclaim policy cover my child with a psychiatric disorder?

Ans: No. The New India Assurance Top-up Mediclaim policy does not provide coverage for the treatment of psychiatric and psychosomatic disorders in children.
Q5. Can I enhance my New India Assurance Top-up Mediclaim policy sum insured if I’m 66 years old?

Ans: No. You cannot increase the sum insured of your New India Assurance Mediclaim policy if your age is more than 65 years old.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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Assurance Universal Health Insurance Plan

Family Floater Mediclaim

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