New India Health Insurance Plans

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New India Asha Kiran Policy
This health insurance plan is made for parents who have only girl children. You can cover up to 2 dependent daughters under this plan. If a boy child is born later or your daughters become independent (like they start earning), the company will give you an option to switch to another suitable health insurance plan. The sum insured (amount covered) can be 2, 3, 5, 8, 10, 12, or 15 lakhs.Main Features:50% discount on the premium for girl children.Critical illness cover: You get 10% of the insured amount if you are diagnosed with a serious illness.Personal accident cover: You can get up to 100% of the insured amount if an accident happens.Costs for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy are fully covered (up to the insured amount).Pre-existing diseases are covered after 36 months (3 years).Some specific diseases are covered after 24 months (2 years).
New India Floater Mediclaim Policy
This health insurance plan is for people between 18 and 65 years old. Children from 3 months to 25 years can also be covered if they depend on you for money. You can keep renewing the policy for your whole life, as long as you pay on time. You can choose the amount of coverage (Sum Insured) from: 2, 3, 5, 8, 10, 12, or 15 lakhs. Everyone covered under this plan will share one total coverage amount (this is called a floater policy). You can add a minimum of 2 people and up to 6 people in one policy.Main Features:If you do not make any claims in a year, your sum insured increases by 25% as a bonus (up to 50% max).This plan also covers newborn babies.Critical illness benefit: 10% of the sum insured if a serious illness is found.You can add your newly married spouse in the middle of the policy period.Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatments are fully covered (up to the sum insured).Ambulance charges are covered up to 1% of the sum insured.The premium (price) depends on your age and the zone (location) you live in.
New India Mediclaim Policy
This health insurance plan is for people between 18 and 65 years old. Children aged 3 months to 25 years can also be included in the policy, as long as they are financially dependent on you. The policy can be renewed for life, as long as you pay the premium on time. You can choose the Sum Insured (coverage amount) from 1, 2, 3, 5, 8, 10, 12, or 15 lakhs. (Note: The 4, 6, and 7 lakh options are only available for people who are renewing an existing policy.) Each person under the policy will have their own separate coverage amount, which is not shared with other members.Main Features:If you do not make a claim in a year, your sum insured goes up by 25%, up to a maximum of 50% extra.You get a free health check-up after 3 years without a claim.Covers newborn babies.Pre-existing diseases (illnesses you had before taking the policy) are covered after 3 years.Some specific illnesses are covered after 2 years.Organ transplant costs are also covered.
New India Premier Mediclaim Policy
This health insurance plan helps you pay for unexpected medical costs. It comes in two options: Plan A and Plan B. It covers hospital bills, modern treatments, and AYUSH treatments (like Ayurveda, Homeopathy, etc.). It also includes treatment for HIV/AIDS, cataracts, obesity, and mental health problems.Main Features:You get extra benefits like OPD cover (for doctor visits), hospital cash, critical illness cover, and air ambulance service.The plan pays for organ donor expenses, second medical opinions, and injuries from dangerous sports.It also includes maternity and child care, newborn baby cover, and even infertility treatment.Conditions like genetic problems, birth-related diseases, and menopause/puberty-related issues are also covered.You can also get diet advice from a dietitian and concierge services (special help services).You don’t need a health check-up before buying the policy if you are 50 years old or younger.
Young India Digi Health Policy
This health insurance plan is made for young people up to 45 years old. It helps cover both planned and emergency medical expenses.Main Features:Pays for treatment costs before and after hospital stay: 60 days before and 90 days after.Gives hospital cash of ₹500 per day for up to 5 days.If you do not make a claim in a year, you get a bonus of 25% of your sum insured, up to 100% maximum.Covers advanced treatments like robotic sur geries, balloon sinuplasty, oral chemotherapy, immunotherapy, eye injections, stem cell therapy, and more.Pays up to Rs. 5,000 for a second medical opinion if you are seriously ill.Ambulance charges by road are covered up to Rs. 5,000.
Yuva Bharat Health Policy
This health insurance plan is for young adults up to 45 years old. It comes in three types: Base, Gold, and Platinum.Main Features:It pays for hospital bills, organ transplants, and ambulance transport by road.The plan gives benefits for shared room, hospital cash, and newborn baby care.It also covers modern treatments, AYUSH treatments (like Ayurveda), and mental health care.It pays for birth-related diseases, cataract surgery, and injuries from risky sports.The plan covers medical second opinions, genetic diseases, and life support treatments.This plan also offers a sum insured reset, health check-ups, and a bonus for no claims.