The New India Assurance Co. Ltd. (NIA) is one of India’s leading public-sector general insurance companies.

New India Assurance Health Insurance Plans

Introduction

The New India Assurance Co. Ltd. (NIA) is one of India’s leading public-sector general insurance companies. It offers a wide range of health insurance products designed for individuals, families, senior citizens, and corporate groups. These plans provide financial protection against hospitalization expenses, day-care treatments, and AYUSH treatments.

Key Health Insurance Plans

1. Arogya Sanjeevani Policy

Features:

• Sum Insured: ₹50,000 to ₹10,00,000 in multiples of ₹50,000.
• Individual or Family Floater option.
• Room rent limit: up to 2% of the sum insured, maximum ₹5,000 per day.
• ICU/ICCU charges: up to 5% of the sum insured, maximum ₹10,000 per day.
• AYUSH treatments covered up to 100% of the sum insured.
• Advanced treatments (like robotic surgery) covered up to 50% of the sum insured.
• Waiting period: 30 days for general illness, 24–36 months for specific diseases, and 36 months for pre-existing conditions.
• Co-pay: 5% on every claim.

Who should buy:
Best suited for individuals or families looking for affordable and standard coverage with essential benefits.

2. Premier Mediclaim Policy

Features:

• Two plan types:
  • Plan A: ₹15 lakh and ₹25 lakh sum insured.
  • Plan B: ₹50 lakh and ₹1 crore sum insured.
• Covers hospitalization for the insured and family (spouse, children, dependent parents).
• Includes a Critical Care Benefit: lump-sum payout (₹2 lakh for Plan A and ₹5 lakh for Plan B) if diagnosed with specific critical illnesses.

Who should buy:
Ideal for families or individuals looking for high-value health insurance with comprehensive protection.

3. Sixty Plus Mediclaim Policy

Features:

• Specifically designed for senior citizens (age 60 and above).
• Covers hospitalization expenses due to illness or accident.
• Includes pre- and post-hospitalization coverage.
• Option for individual or family coverage (self and spouse).

Who should buy:
Best for senior citizens who need medical coverage tailored to their age group and pre-existing health conditions.

4. Universal Health Insurance Scheme (APL)

Features:

• Offers basic medical cover at an affordable premium.
• Covers hospitalization expenses for illness or injury.
• Room, boarding, and ICU charges subject to defined limits.
• Can be extended to include coverage for disability or death due to accident.

Who should buy:
Suitable for individuals or families looking for economical, basic-level coverage.

5. Other Health Plans by New India Assurance

• Floater Mediclaim Policy: Family floater option covering multiple members under one sum insured.
• Mediclaim Policy (Individual): Covers individuals with flexible sum insured options.
• Top-Up Mediclaim Policy: Acts as an additional cover over your base health plan.
• Asha Kiran Policy: Specially designed for parents with a dependent girl child.
• Yuva Bharat Health Policy: Tailored for young adults and first-time policyholders.

Why Choose New India Assurance Health Plans

• Trusted public-sector insurance provider with a strong track record.
• Wide range of health plans for every age and need.
• Covers AYUSH and advanced treatments.
• Extensive cashless hospital network across India.
• Transparent terms and life-long renewability.

Things to Check Before Buying

• Sum Insured: Ensure adequate coverage for rising medical costs.
• Room Rent Limit: Confirm limits per day and ICU charges.
• Waiting Periods: Check for pre-existing diseases and specific illnesses.
• Co-pay & Deductibles: Understand the share you must pay during claims.
• Network Hospitals: Ensure sufficient hospitals nearby offer cashless services.
• Exclusions: Review what isn’t covered under the policy.
• Renewability: Ensure lifetime renewability is available.
• Top-Up Options: Combine with a super top-up plan for enhanced protection.

Who Should Choose Which Plan

• Young Individuals: Arogya Sanjeevani for basic affordable coverage.
• Families: Premier Mediclaim or Floater Mediclaim for shared protection.
• Senior Citizens: Sixty Plus Mediclaim for specialized coverage.
• Budget Buyers: Universal Health Insurance for entry-level needs.
• High Coverage Seekers: Premier Mediclaim or Top-Up Mediclaim for large medical expenses.

Conclusion

New India Assurance offers a comprehensive suite of health insurance plans that cater to all segments — from young individuals to senior citizens. Each plan is structured to offer flexibility, affordability, and security against unforeseen medical expenses. Before choosing a plan, evaluate your health needs, age, and family size to select the most suitable coverage.