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New India Top Up Mediclaim Policy

Eligibility  
Entry Age (years)  
Minimum 3 months
Maximum 65
Maximum Policy Renewal Age (years) Life long renewal
Coverage Type Individual/Floater
Policy Term (years) 1
Pre Policy Medical Check Up Required if the office in-charge feels the need or if the age of the person is above 50 years.
Free look Period 15 days
Grace Period for Policy Renewal 30 days
Customer Service  
Address The New India Assurance Co. Ltd Jeevan Bharti Building, Corporate Office: 87, M.G Road, Fort, Mumbai 400001; Regional Office: 124 Connaught Circus, New Delhi-110001
Mail to health.ho@newindia.co.in
Call to 1800 209 1415
Network Hospitals Http://newindia.co.in/listofhospitals.aspx
Sum Insured and Threshold Limits (Rs)
Coverage TypeSum InsuredThreshold
A5,00,0005,00,000
B10,00,0005,00,000
C15,00,0005,00,000
D7,00,0008,00,000
E12,00,0008,00,000
F17,00,0008,00,000
G22,00,0008,00,000
Scope Of Cover
Cashless FacilityAvailable at network hospitals
Reimbursement FacilityAvailable if treatment taken at any non empanelled hospital
Pre and post hospitalisationNot covered
Inpatient HospitalisationCovered
Room rent/ ICU expensesRoom rent and boarding expenses capped at Rs 5,000 per day for Rs 5 lakh threshold and Rs 8,000 for Rs 8 lakh threshold.
ICU and ICCU expenses capped at capped at Rs 10,000 per day for Rs 5 lakh threshold and Rs 16,000 for Rs 8 lakh threshold.
Surgeon, Anesthetist, Medical Practitioner, Consultant's Specialist feesCovered
Anesthesia, blood, oxygen, OT charges, surgical appliances, medicines, etc.Covered
Day Care ProceduresCovered
AYUSH TreatmentCovered
Emergency ambulanceCovered upto 1% of Threshold Limit
Expenses of donor for organ transplantCovered
Exclusions and Waiting Period
Pre-existing Diseases/ IllnessesCovered after a period of 48 months
No claim period30 days commencing from inception of policy except for accidental injuries
Waiting Period24 months in the case of all internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps, Benign ear, nose, throat disorders, Benign prostate hypertrophy, Cataract and age related eye ailments, Gastric/ Duodenal Ulcer, Gout and Rheumatism, Hernia of all types, Hydrocele, Infective Arthritis, Piles, Fissures and Fistula in anus, Pilonidal sinus, Sinusitis and related disorders, Prolapse inter Vertebral Disc and Spinal Diseases unless arising from Accident, Skin Disorders, Stone in Gall Bladder and Bile duct, excluding malignancy, Stones in Urinary system, Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus, Varicose Veins and Varicose Ulcers, Renal Failure.
48 months in case the above illnesses arise froma pre-existing condition or joint replacement due to degenerative condition, age-related osteoarthritis and osteoporosis.
General ExclusionsSelf inflicted bodily injury, Domiciliary Treatment, Dental treatment, Cost of spectacles, braces, contact lenses, Naturopathy treatment, engagement in any illegal or criminal activities. engagement in adventurous acts such as parachuting, bunjee jumping etc. Bodily injury arising as a result of terrorism. Bodily injury or disease caused as a result of HIV/ AIDS or any related condition, and others.