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Get the Best Health Insurance Plan Online in India

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Most Popular Policies of New India Assurance

  • New India Assurance Senior Citizen Mediclaim Policy
    New India Assurance Senior Citizen Mediclaim Policy offers coverage to the insured against hospitalization expenses for treatment of injury and illness during policy period.
    Key features of New India Assurance Senior Citizen Mediclaim Policy
    • Maximum entry-age is 80
    • Maximum renewal age is 90 years
    • Organ donor transplant expenses are covered
    • Pre-existing hypertension, diabetes melitus are covered upon additional premium
    • Ayurvedic, homeopathic and Unani treatments are covered
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  • New India Family Floater Mediclaim Policy
    New India Assurance Family Floater Mediclaim Policy covers all family members with single sum insured. The coverage is provided for expenses for the treatment of any illness or injury.
    Key features of New India Family Floater Mediclaim Policy
    • The policy comes with lifetime renewal option
    • Good health and loyalty discount are available
    • Coverage available on complications due to pre-existing conditions
    • Organ donor hospitalization expenses are covered
    • Cataract surgery is covered up to certain limits
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  • New India Assurance Janata Mediclaim policy
    New India Assurance Janata Mediclaim policy covers cost of hospitalization (more than 24 hours) expenses and treatment expenses due to injury and illness or injury.
    Key features of New India Assurance Janata Mediclaim policy
    • Good health and loyalty discount are available
    • Ayurvedic, homeopathic and Unani treatments are covered
    • Cumulative Bonus is availble
    • Free health check-up is also available
    • Day care treatments are covered up to certain limits.
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  • New India Package Motor Policy
    New India Package Motor Policy offers coverage to expenses due to injury of owner and driver and loss or damage of the insured's vehicle. The policy also covers third party death and liability.
    Key features of New India Package Motor Policy
    • Coverage for personal accident is available
    • Coverage available for expenses to fix damaged accessories
    • Coverage for passengers in the car is available.
    • Coverage is available for employees and paid drivers
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Bharti AXA Smart Health Essential Insurance

The amount of expenses due to hospitalization is not so small. So being assured for getting the expenditures in hospital on regular basis is a smart option. In spite of physical problem and getting hospitalized, you can stay at ease to think that your family will not face a financial dilemma at least.

Bharti AXA Hospital Cash Benefit Rider is the rider introduced by this insurance service provider, which is committed to provide non-linked daily pay hospital and surgery cash. That means you will get a fixed amount for hospitalization and surgery on daily basis.

Beneficial features of policy

  • The benefit of fixed amount of cash is payable to the policy holders in case of hospitalization. The amount of cash is not linked to the expenses occurred in hospital, it is fixed.
  • In case of treatment in Intensive care Unit, the fixed daily amount becomes the double of the normal daily cash allowance.
  • If you have to be hospitalized due to any medically necessary surgery, a lump sum will be provided. In case of multiple valid surgeries are planned to be happened within a single hospital admission, the highest benefit will be paid to the insured.
  • You can get tax benefits while paying premiums under section 80D of Income Tax Act. This benefit is subject to alter in case of alteration in Tax Laws.

Variants of policy

There are three variants under this type of policy which are different from each other considering the amount of coverage, premium amount etc. The variants are –

  • Silver Plan
  • Gold Plan and
  • Diamond Plan

You can opt for one of them as per your convenience and need and you will get different beneficial amount during hospitalization or surgery.

Benefit structure as per variant

Benefit

Silver

Gold

Diamond

Daily Hospital Cash benefit (DHCB)

Rs.1,000

Rs.2,000

Rs.3,000

Intensive Care Unit benefit

Rs.2,000 (Two times of DHCB)

Rs.4,000 (Two times of DHCB)

Rs.6,000 (Two times of DHCB)

Major surgeries (Related to brain, lung, heart, liver)

Rs.20,000 (Twenty times of DHCB)

Rs.40,000 (Twenty times of DHCB)

Rs.60,000 (Twenty times of DHCB)

Minor surgeries

Rs.5,000 (Five times of DHCB)

Rs.10,000 (Five times of DHCB)

Rs.15,000 (Five times of DHCB)

There is also limitation in days while they are providing benefits on per day basis. Take a look.

Benefit

Day limit

Daily Hospital Cash benefit

Up to 40 days of hospitalization within a policy year

Intensive care Unit benefit

Up to 10 days accommodation in ICU during a policy year

Eligibility for holding policy

Minimum

Maximum

Policy term

5 years

20 years

Entry age

Above 90 days

65 years

Maturity age

85 years

Things you need to know

  • You can get various options in paying premiums so that you can be able to pay it as per your convenience.
  • The options are payment of Monthly, Quarterly, Semi-annual and Annual premium.
  • You can renew your policy till the end of the term. Medical tests are not needed at the time of renewal procedure.
  • Maturity benefits and claim bonus are not obtainable in this policy.