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New India Assurance Top-Up Mediclaim Policy
The New India Assurance Top-up Mediclaim Policy is made to help when your regular health insurance is not enough. It gives you extra coverage for medical expenses that go above a fixed limit (called a deductible). Once your hospital bills cross this amount, the top-up policy starts to pay. It covers not just hospital stays, but also treatment for mental illness, genetic disorders, cataract surgery, and even life support systems. This policy is a good way to stay protected from high medical costs.
Key Features of New Indian Assurance Top-Up Mediclaim Policy
| Features | Details |
|---|---|
| Sum Insured | Rs. 5 lakhs to Rs. 22 lakhs |
| Policy Tenure | 1 year |
| Pre-existing Diseases Waiting Period | 4 years |
| Initial Waiting Period | 30 days |
| Specific Disease Waiting Period | 90 days/ 2 years / 4 years |
| 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 |
Benefits of the New India Assurance Top-up Mediclaim Policy
Here are some simple reasons why this top-up health plan is helpful:No Need for Another Health Policy
You don’t need to have a regular health insurance plan to buy this top-up policy. You can buy it on its own. But remember, it will only start paying after your medical bills cross a fixed amount (called a deductible).
Get Well Benefit
This plan gives you extra money during the treatment of one illness, not just your hospital bills. You can get this extra amount up to four times during the policy.
Cashless Treatment
You can get treatment without paying upfront at more than 3,000 hospitals across India that are part of New India Assurance’s network.
Save on Taxes
The money you pay for this policy (premium) can help you save tax under Section 80D of the Income Tax Act.
Health Insurance Plans By New India
What is Covered and not Covered Under the New India Assurance Top-up Mediclaim Policy?
This policy covers the following and does not cover the following
Covered
Hospital Stay (24 hours or more)
If you stay in the hospital for at least a day, the policy pays for your room, ICU, medicines, doctor visits, and other hospital costs.
Organ Donor Costs
If you need an organ (like a kidney), the policy pays for the cost of taking it from the donor.
Get Well Benefit (Extra Money When You're Sick)
You get a one-time fixed amount of money when you make a claim for an illness:Rs. 5,000 if your plan starts paying after Rs. 5 lakh (deductible)Rs. 8,000 if it starts after ₹8 lakh
Ambulance Charges
Pays for one ambulance ride when you need to go to the hospital for treatment.
Daily Hospital Cash (Extra Money Each Day in Hospital)
Gives you money for each day you are admitted to the hospital (for up to 10 days):Rs. 500/day for Rs. 5 lakh deductibleRs. 800/day for Rs. 8 lakh deductible
Cataract Surgery
Pays for eye surgery (cataract) up to Rs. 50,000 per eye.
AYUSH Treatments (Alternative Medicine)
Pays if you're treated in a hospital using Ayurveda, Homeopathy, Unani, Siddha, or Yoga.
Special Health Conditions Covered
Covers treatments for mental health problems, hormone-related issues, life support, genetic disorders, learning or behavior issues, and some age-related eye problems.
Modern Treatments
Covers 12 new and advanced treatments, like robotic surgeries, stem cell therapy, oral chemotherapy, brain surgeries, and more.
Not Covered
Pre and post-hospitalization expenses
The policy does not pay for doctor visits, tests, or medicines before or after your hospital stay.
Dental treatment
It does not cover tooth problems like cleaning, fillings, or braces, unless it’s due to an accident.
Obesity and weight control treatments
It would not pay for surgeries or programs to lose weight or treat obesity.
Maternity expenses
Pregnancy, delivery, and newborn care are not included.
Treatment of alcohol addiction
It does not cover treatment for alcohol or drug abuse.
Domiciliary hospitalization
If you are treated at home instead of a hospital, the policy will not pay for it.
Cosmetic or plastic surgery
Surgery done just to look better (not for health reasons) is not covered.
Intentional self-injury
If you hurt yourself on purpose, the costs won't be covered.
Treatment taken outside India.
The policy only works for treatments inside India, not in other countries.
FAQs
This policy gives extra health cover on top of your basic health insurance. It only starts paying when your medical bills go above a set amount (called the “threshold”). After that, the policy covers up to its limit.
The policy will pay only after your total hospitalisation expenses (in the policy year) go past the threshold amount mentioned in the schedule. It won’t pay for earlier hospital bills.
No. This is meant to be an additional cover, not a stand-alone basic health policy. You should have a base policy already in place.
No. Only inpatient hospitalisation bills (within India) count towards the threshold and are eligible. Some expenses, like outpatient treatments or treatments before/after hospitalisation, may not be covered depending on the terms.