{"uin":"NIAHLIP25039V102425","name":"New India Floater Mediclaim Policy (Cashless facility available)","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"New India Floater Mediclaim Policy is an indemnity family floater health policy with Basic Plan and Uplift Plan sum insured options from Rs. 2 Lakhs to Rs. 5 Crores. It covers hospitalisation expenses in India with 30 days pre-hospitalisation, 60 days post-hospitalisation, AYUSH up to 100% of sum insured, and cashless facility through network hospitals.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:57:03.274685+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Basic Plan","Uplift Plan"],"display":"Basic Plan; Uplift Plan","note":null,"quote":"Basic Plan: Sum Insured of (Rs.) 2 Lakhs, 3 Lakhs, 5 Lakhs, 8 Lakhs, 10 Lakhs, 12 Lakhs, 15 Lakhs\nUplift Plan: Sum Insured (Rs.) 25 Lakhs, 50 Lakhs, 1 Crores, 2 Crores, 3 Crores, 5 Crores","sources":[{"clause":null,"heading":"NEW INDIA FLOATER MEDICLAIM POLICY POLICY CLAUSE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-new-india-floater-mediclaim-policy-policy-clause"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy term can be 1 Year, 2 Years or 3 Years.","display":"1 Year or 2 Years or 3 Years","note":null,"quote":"POLICY TERM means the tenure of the policy, which can be 1 Year or 2 Years or 3 Years","sources":[{"clause":"2.59","heading":"POLICY TERM","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-2-59"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Intimate the TPA immediately or 48 hours before hospitalisation when illness or injury is detected. For emergency hospitalisation, intimate within 24 hours from the time of hospitalisation.","display":"Immediately or 48 hours before hospitalisation; within 24 hours for emergency hospitalisation","note":null,"quote":"Intimate TPA in writing on detection of any Illness/Injury being suffered immediately or forty-eight hours before Hospitalisation. ... Intimate within 24 hours from the time of Hospitalisation in case of Hospitalisation due to medical emergency.","sources":[{"clause":"5.20(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-20-a"},{"clause":"5.20(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-20-b"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The insurer shall settle or reject a claim within 15 days of receiving the last necessary document. Delay attracts interest at 2% above the bank rate from receipt of the last necessary document to payment.","display":"Within 15 days of receipt of the last necessary document; delay interest 2% above bank rate","note":null,"quote":"We shall settle or reject a claim, as may be the case, within 15 (fifteen) days of the receipt of the last ‘necessary’ document. ... In case of delay beyond stipulated 15 days, we shall be liable to pay interest at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"5.21","heading":"SETTLEMENT/REJECTION OF CLAIM","page":34,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-21"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications","Expenses related to the treatment of the following listed conditions, surgeries / treatments","Expenses related to the treatment of any illness within 30 days from the first policy commencement date","Expenses related to any admission primarily for diagnostics and evaluation purposes.","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.","Expenses for cosmetic or plastic surgery or any treatment to change appearance","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Medical treatment expenses traceable to childbirth","Any expenses incurred on Domiciliary Hospitalization.","Treatment and/or services taken outside the geographical limits of India"],"display":"PED waiting period, specific waiting periods, first 30 days illness waiting period, investigation/evaluation, rest cure, cosmetic surgery, professional hazardous sports, maternity expenses, domiciliary hospitalisation, treatment outside India","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after commencement of the policy. ... Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of 90 Days / 24 months / 36 months of continuous coverage ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to any admission primarily for diagnostics and evaluation purposes. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, burn(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... Any expenses incurred on Domiciliary Hospitalization. ... Treatment and/or services taken outside the geographical limits of India","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-1"},{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-2"},{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-3"},{"clause":"4.4.1","heading":"INVESTIGATION & EVALUATION (Code- Excl04)","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-1"},{"clause":"4.4.2","heading":"REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to any","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-2"},{"clause":"4.4.5","heading":"COSMETIC OR PLASTIC SURGERY (Code- Excl08)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-5"},{"clause":"4.4.6","heading":"HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-6"},{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-15"},{"clause":"4.4.17","heading":null,"page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-17"},{"clause":"4.4.27","heading":"Treatment and/or services taken outside the geographical limits of India","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-27"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll-free number, e-mail/fax/courier, or the grievance cell at any branch. If not satisfied, contact the grievance officer; after that the Insurance Ombudsman or IRDAI IGMS may be approached.","display":"Company website/toll-free/e-mail/branch grievance cell first; then grievance officer; then Insurance Ombudsman or IRDAI IGMS","note":null,"quote":"ln case of any grievance the insured person may contact the company through Website : https://www.newindia.co.in/portal/readMore/Grievances Toll free : 1800-209-1415 E-mail, Fax and Courier: As mentioned in the above address Senior Citizens may write to seniorcitizencare.ho@newindia.co.in lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. lf lnsured person is not satisfied with the redressal of grievance through one of the above methods,\ninsured | person | may | contact | the | grievance | officer | at\nhttps://www.newindia.co.in/portal/readMore/Grievances","sources":[{"clause":"5.14","heading":"REDRESSAL OF GRIEVANCE","page":31,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-14"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Basic Plan offers Rs. 2 Lakhs, 3 Lakhs, 5 Lakhs, 8 Lakhs, 10 Lakhs, 12 Lakhs and 15 Lakhs. Uplift Plan offers Rs. 25 Lakhs, 50 Lakhs, 1 Crores, 2 Crores, 3 Crores and 5 Crores.","display":"Basic: Rs. 2 Lakhs to Rs. 15 Lakhs; Uplift: Rs. 25 Lakhs to Rs. 5 Crores","note":null,"quote":"Basic Plan: Sum Insured of (Rs.) 2 Lakhs, 3 Lakhs, 5 Lakhs, 8 Lakhs, 10 Lakhs, 12 Lakhs, 15 Lakhs\nUplift Plan: Sum Insured (Rs.) 25 Lakhs, 50 Lakhs, 1 Crores, 2 Crores, 3 Crores, 5 Crores","sources":[{"clause":null,"heading":"NEW INDIA FLOATER MEDICLAIM POLICY POLICY CLAUSE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-new-india-floater-mediclaim-policy-policy-clause"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims; does not apply if the insured has continuous coverage for more than 12 months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"For enhanced sum insured, the exclusion applies afresh to the increase.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after commencement of the policy.","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 Days","note":"Other listed conditions have 24 Months waiting period and 36 Months waiting period.","quote":"Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of 90 Days / 24 months / 36 months of continuous coverage ... i) 90 Days Waiting Period","sources":[{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-2"},{"clause":"4.2(e)(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-2-e-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"For enhanced sum insured, 60 continuous months applies from the date of enhancement only on the enhanced limit.","quote":"After completion of 60 continuous months of coverage (including portability and migration in health insurance policy), no policy and claim shall be contestable by the insurer on grounds of non-disclosure, mis-representation except on grounds of established fraud . This period of 60 continuous months is called as Moratorium period.","sources":[{"clause":"5.8","heading":"MORATORIUM PERIOD","page":30,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"You can port the policy to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. Continuity credit can be transferred for sum insured, no claim bonus, specific waiting period for pre-existing diseases, moratorium period and related credits.","display":"Port to other insurers with continuity credit, applying at least 30 days before and not earlier than 60 days from renewal date","note":null,"quote":"You will have the option to port the policy to other Insurers by applying to such Insurer to port the entire policy along with all the members of the family, if any, at-least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If policyholder is presently covered and has been continuously covered without any lapses under any Health Insurance policy with an Indian General or Health Insurer, then policyholder can transfer the credit gained to the extent of the sum insured, no claim bonus, specific waiting period for pre-existing diseases, moratorium period etc from the existing insurer to the acquiring insurer in the previous policy.","sources":[{"clause":"5.15","heading":"PORTABILITY AND MIGRATION","page":32,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, no age limit for renewal","note":"Policy wording says renewal is ordinarily available except on grounds of fraud or misrepresentation.","quote":"There is an age limit for taking a fresh Policy, but there is no age limit for renewal.","sources":[{"clause":"32","heading":"IS THERE AN AGE LIMIT UPTO WHICH THE POLICY WOULD BE RENEWED?","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13416#c-32"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewal based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.11","heading":"RENEWAL OF POLICY","page":30,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-11"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["INVESTIGATION & EVALUATION (Code- Excl04)","REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05)","OBESITY/ WEIGHT CONTROL (Code-Excl06)","CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","COSMETIC OR PLASTIC SURGERY (Code- Excl08)","HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","BREACH OF LAW (Code- Excl10)","EXCLUDED PROVIDERS (Code-Excl11)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12)","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","REFRACTIVE ERROR (Code- Excl15)","UNPROVEN TREATMENTS (Code- Excl16)","STERILITY AND INFERTILITY (Code- Excl17)","MATERNITY EXPENSES (Code - Excl18)","Acupressure, acupuncture, magnetic therapies.","Any expenses incurred on Domiciliary Hospitalization.","Treatment and/or services taken outside the geographical limits of India","Procedures/treatments usually done in outpatient department are not payable under the Policy"],"display":"Excl04 to Excl18 and specific exclusions such as acupuncture, domiciliary hospitalisation, treatment outside India and OPD procedures","note":null,"quote":"4.4.1 INVESTIGATION & EVALUATION (Code- Excl04) ... 4.4.2 REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to any ... 4.4.3 OBESITY/ WEIGHT CONTROL (Code-Excl06) Expenses related to the surgical treatment ... 4.4.4 CHANGE-OF-GENDER TREATMENTS (Code- Excl07) ... 4.4.5 COSMETIC OR PLASTIC SURGERY (Code- Excl08) ... 4.4.6 HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09) ... 4.4.7 BREACH OF LAW (Code- Excl10) ... 4.4.8 EXCLUDED PROVIDERS (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and\nconsequences thereof. (Code- Excl12) ... Treatments received in health hydros, nature cure clinics, spas or similar\nestablishments or private beds registered as a nursing home attached to such establishments ... Dietary supplements and substances that can be purchased without prescription ... 4.4.12 REFRACTIVE ERROR (Code- Excl15) ... 4.4.13 UNPROVEN TREATMENTS (Code- Excl16) ... 4.4.14 STERILITY AND INFERTILITY (Code- Excl17) ... 4.4.15 MATERNITY EXPENSES (Code - Excl18) ... Acupressure, acupuncture, magnetic therapies. ... Any expenses incurred on Domiciliary Hospitalization. ... Treatment and/or services taken outside the geographical limits of India ... Procedures/treatments usually done in outpatient department are not payable under\nthe Policy even if converted as an in-patient in the Hospital for more than 24 hours","sources":[{"clause":"4.4.1","heading":"INVESTIGATION & EVALUATION (Code- Excl04)","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-1"},{"clause":"4.4.2","heading":"REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to any","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-2"},{"clause":"4.4.3","heading":"OBESITY/ WEIGHT CONTROL (Code-Excl06) Expenses related to the surgical treatment","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-3"},{"clause":"4.4.4","heading":"CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-4"},{"clause":"4.4.5","heading":"COSMETIC OR PLASTIC SURGERY (Code- Excl08)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-5"},{"clause":"4.4.6","heading":"HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-6"},{"clause":"4.4.7","heading":"BREACH OF LAW (Code- Excl10)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-7"},{"clause":"4.4.8","heading":"EXCLUDED PROVIDERS (Code-Excl11)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-8"},{"clause":"4.4.9","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-9"},{"clause":"4.4.10","heading":"Treatments received in health hydros, nature cure clinics, spas or similar","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-10"},{"clause":"4.4.11","heading":null,"page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-11"},{"clause":"4.4.12","heading":"REFRACTIVE ERROR (Code- Excl15)","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-12"},{"clause":"4.4.13","heading":"UNPROVEN TREATMENTS (Code- Excl16)","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-13"},{"clause":"4.4.14","heading":"STERILITY AND INFERTILITY (Code- Excl17)","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-14"},{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-15"},{"clause":"4.4.16","heading":null,"page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-16"},{"clause":"4.4.17","heading":null,"page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-17"},{"clause":"4.4.27","heading":"Treatment and/or services taken outside the geographical limits of India","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-27"},{"clause":"4.4.30","heading":"Procedures/treatments usually done in outpatient department are not payable under","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-30"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days' written notice. For terms up to 1 year, proportionate premium for the unexpired period is refunded if no claim has been made; for terms over 1 year, premium is refunded for unexpired policy years where risk coverage has not commenced, but no refund is made where any claim has been admitted, lodged or any benefit availed.","display":"7 days' notice; proportionate unexpired premium if no claim for term up to 1 year; unexpired future policy years for term over 1 year","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice ... Refunds proportionate premium for unexpired policy period, if the term of policy up to 1 year and there is no claim (s) made during the policy period. ... Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"5.1","heading":"CANCELLATION","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-1"},{"clause":"5.1(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-1-a"},{"clause":"5.1(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-1-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers medical or surgical treatment and services rendered only in India, and admissible claims are payable only in Indian Rupees.","display":"Only in India","note":null,"quote":"This Policy covers medical/surgical treatment and/or services rendered only in India. Admissible claims shall be payable only in Indian Rupees.","sources":[{"clause":"5.18","heading":"PLACE OF TREATMENT AND PAYMENT","page":32,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-18"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to new individual health insurance policies, except policies of less than a year, renewals, or porting/migration.","quote":"The insured person shall be allowed free look period of 30 days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"5.6","heading":"FREE LOOK PERIOD","page":29,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"15 days where premium payment mode is monthly.","quote":"Coverage is not available during the period for which no premium is received. The grace period for payment of the premium for all types of insurance policies shall be: 15 days where premium payment mode is monthly and 30 days in all other cases.","sources":[{"clause":"2.17","heading":"GRACE PERIOD","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-2-17"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry is available to persons between 18 years and 65 years. Children from 3 months up to 25 years can be covered if financially dependent on the parents and one or both parents are covered simultaneously.","display":"Adults 18 years to 65 years; children 3 months to 25 years if dependent","note":"The upper age limit does not apply to mentally challenged children and unmarried daughters, as stated in the prospectus.","quote":"This insurance is available to persons between the age of 18 years and 65 years. Children from 3 months up to 25 years can be covered provided they are financially dependent on the parents and one or both parents are covered simultaneously.","sources":[{"clause":"1","heading":"WHO CAN TAKE THIS POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13416#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["OPTIONAL COVER I: REVISION IN LIMIT OF CATARACT","DAY 1 PROTECTION RIDER","CB PROTECT RIDER","RESTORATION OF SUM INSURED RIDER","MATERNITY RIDER","ENHANCED CATARACT LIMIT RIDER","MODERN TREATMENT RIDER","NON-MEDICAL EXPENSES RIDER","DURABLE MEDICAL DEVICES RIDER"],"display":"Revision in Cataract Limit; Day 1 Protection Rider; CB Protect Rider; Restoration of Sum Insured Rider; Maternity Rider; Enhanced Cataract Limit Rider; Modern Treatment Rider; Non-Medical Expenses Rider; Durable Medical Devices Rider","note":"Riders other than Optional Cover I are from the lower-priority brochure.","quote":"3.11 OPTIONAL COVER I: REVISION IN LIMIT OF CATARACT ... DAY 1 PROTECTION RIDER ... CB PROTECT RIDER ... RESTORATION OF SUM INSURED RIDER ... MATERNITY RIDER ... ENHANCED CATARACT LIMIT RIDER ... MODERN TREATMENT RIDER ... NON-MEDICAL EXPENSES RIDER ... DURABLE MEDICAL DEVICES RIDER","sources":[{"clause":"3.11","heading":"OPTIONAL COVER I: REVISION IN LIMIT OF CATARACT","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-11"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13399#c-s1"},{"clause":null,"heading":"Embrace New Beginnings: Secure Your Growing Family with Our Maternity","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13399#c-embrace-new-beginnings-secure-your-growing-famil"},{"clause":null,"heading":"ENHANCED CATARACT LIMIT RIDER","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13399#c-enhanced-cataract-limit-rider"},{"clause":null,"heading":"NON-MEDICAL EXPENSES RIDER","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13399#c-non-medical-expenses-rider"},{"clause":null,"heading":"DURABLE MEDICAL DEVICES RIDER","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13399#c-durable-medical-devices-rider"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period for which no premium is received.","display":"Coverage is not available during the grace period","note":null,"quote":"Coverage is not available during the period for which no premium is received.","sources":[{"clause":"2.17","heading":"GRACE PERIOD","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-2-17"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Basic Plan up to Rs. 15L has room rent up to 1% of sum insured per day, maximum Rs. 15,000 per day. Uplift Plan for Rs. 25L, 50L and 1Cr has room rent up to 1% of sum insured per day, maximum Rs. 30,000 per day; Uplift Plan for Rs. 2Cr, 3Cr and 5Cr pays actuals.","display":"Basic: 1% of SI per day up to Rs. 15,000; Uplift Rs. 25L/50L/1Cr: 1% of SI per day up to Rs. 30,000; Uplift Rs. 2Cr/3Cr/5Cr: Actuals","note":null,"quote":"Basic Plan | Up to Rs. 15L | 1% of the Sum Insured per day maximum up to Rs. 15,000 per day ... Uplift Plan | Rs. 25L, 50L and 1Cr | 1% of the Sum Insured per day maximum up to Rs. 30,000 per day ... Uplift Plan | Rs. 2Cr, 3Cr and 5Cr | Actuals","sources":[{"clause":"3.1","heading":"Our liability for all claims admitted during the Period of Insurance in respect of all","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-1"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-applicable","value":null,"display":null,"note":"The policy states room rent as a percentage/rupee limit or actuals, not as a room category such as shared room or single private room.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"Basic Plan up to Rs. 15L has ICU/ICCU limit of 2% of sum insured per day. Uplift Plan for Rs. 25L, 50L and 1Cr has a maximum up to Rs. 50,000 per day; Uplift Plan for Rs. 2Cr, 3Cr and 5Cr pays actuals.","display":"Basic: 2% of SI per day; Uplift Rs. 25L/50L/1Cr: up to Rs. 50,000 per day; Uplift Rs. 2Cr/3Cr/5Cr: Actuals","note":null,"quote":"Basic Plan | Up to Rs. 15L | 2% of the Sum Insured per day ... Uplift Plan | Rs. 25L, 50L and 1Cr | maximum up to Rs. 50,000 per day ... Uplift Plan | Rs.2Cr, 3Cr and 5Cr | Actuals","sources":[{"clause":"3.1","heading":"Our liability for all claims admitted during the Period of Insurance in respect of all","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-1"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If the insured chooses a higher room than eligible, proportionate deduction applies on associated medical expenses in the same proportion as eligible room rent bears to actual room rent. It does not apply to cost of pharmacy and consumables, implants and medical devices, diagnostics, or hospitals/expenses without differential billing by room category.","display":"Applicable on associated medical expenses if a higher room is chosen; not on pharmacy/consumables, implants/devices or diagnostics","note":null,"quote":"Proportionate Deduction is applicable on the Associate Medical Expenses, if the Insured Person opts for a higher Room than his eligible category. It shall be effected in the same proportion as the eligible rate per day bears to the actual rate per day of Room Rent. However, it is not applicable on\n1. Cost of Pharmacy and Consumables\n2. Cost of Implants and Medical Devices\n3. Cost of Diagnostics.","sources":[{"clause":"3.1","heading":"Our liability for all claims admitted during the Period of Insurance in respect of all","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-1"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"No deductible applies.","display":"Not Applicable","note":"Stated in the CIS; the policy wording does not set a deductible.","quote":"3. Deductible/ Any Other limit as applicable | Not Applicable","sources":[{"clause":"Row 8","heading":"Financial Limit of Coverage","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13412#c-row-8"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"up to 30 days","note":"Expenses must be for the same condition and the related inpatient claim must be admissible.","quote":"Pre-Hospitalization Medical expenses for up to 30 days","sources":[{"clause":"3.1","heading":"Our liability for all claims admitted during the Period of Insurance in respect of all","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-1"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"up to 60 days","note":"Expenses must be for the same condition and the related inpatient claim must be admissible.","quote":"Post-Hospitalization Medical expenses for up to 60 days","sources":[{"clause":"3.1","heading":"Our liability for all claims admitted during the Period of Insurance in respect of all","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-1"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day-care treatment is covered for specified procedures and treatments in Annexure-I where admission may be for less than 24 consecutive hours. The Basic Plan and Uplift Plan have separate Annexure-I day-care lists.","display":"Specified procedures/treatments in Annexure-I, less than 24 hours","note":null,"quote":"HOSPITALISATION means admission as an Inpatient in a Hospital for a minimum period of 24 consecutive hours except for the specified procedures/ treatments in Annexure-I, where such admission could be for a period of less than 24 consecutive hours. ... LIST OF DAY CARE PROCEDURES ( FOR BASIC PLAN) ... LIST OF DAY CARE PROCEDU ES ( FOR UPLIFT PLAN)","sources":[{"clause":"2.19","heading":"HOSPITALISATION","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-2-19"},{"clause":null,"heading":"LIST OF DAY CARE PROCEDURES ( FOR BASIC PLAN)","page":38,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-list-of-day-care-procedures-for-basic-plan"},{"clause":null,"heading":"LIST OF DAY CARE PROCEDU ES ( FOR UPLIFT PLAN)","page":42,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-list-of-day-care-procedu-es-for-uplift-plan"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalisation is not covered.","display":"Not covered","note":"This is listed under specific exclusions.","quote":"Any expenses incurred on Domiciliary Hospitalization.","sources":[{"clause":"4.4.17","heading":null,"page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-17"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Expenses for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems are covered up to 100% of the sum insured during each policy year as specified in the policy schedule.","display":"Covered up to 100% of the Sum Insured","note":null,"quote":"Expenses incurred for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines is covered up to 100% of the Sum Insured during each policy year as specified in the policy schedule.","sources":[{"clause":"3.4","heading":"COVERAGE FOR AYUSH TREATMENT","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-4"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"The policy covers listed modern treatments or procedures when medically indicated, either inpatient or as day-care treatment, up to the limit specified against each procedure. The list includes uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, vaporisation of the prostrate, IONM and stem cell therapy for bone marrow transplant for haematological conditions.","display":"Covered for listed procedures with per-policy-period limits","note":"Limits differ by sum insured bands: up to Rs. 15L, Rs. 25L/50L/1Cr, and Rs. 2Cr/3Cr/5Cr.","quote":"The following procedures will\nbe covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital up to the limit specified against each procedure during the policy period. ... Uterine Artery Embolization and HIFU (High intensity focused ultrasound) ... Balloon Sinuplasty. ... Deep Brain stimulation. ... Oral chemotherapy. ... Immunotherapy- Monoclonal Antibody to be given as injection. ... Intravitreal injections. ... Robotic surgeries. ... Stereotactic radio surgeries. ... Bronchial Thermoplasty. ... Vaporisation of the prostrate (Green laser treatment or holmium laser treatment). ... IONM-(Intra Operative Neuro Monitoring). ... Stem cell therapy:\nHematopoietic stem\ncells for bone marrow\ntransplant for\nhaematological\nconditions to be covered.","sources":[{"clause":"3.13","heading":"COVERAGE FOR MODERN TREATMENTS or PROCEDURES: The following procedures will","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13"},{"clause":"3.13.2","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13-2"},{"clause":"3.13.3","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13-3"},{"clause":"3.13.4","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13-4"},{"clause":"3.13.6","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13-6"},{"clause":"3.13.7","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13-7"},{"clause":"3.13.8","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13-8"},{"clause":"3.13.9","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13-9"},{"clause":"3.13.10","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13-10"},{"clause":"3.13.11","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13-11"},{"clause":"3.13.12","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-13-12"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"If treatment involves organ transplant to an insured person, the policy pays the donor's hospitalisation expenses excluding cost of organ, within the aggregate sum insured of the recipient.","display":"Donor hospitalisation expenses covered, excluding cost of organ, within recipient's sum insured","note":null,"quote":"If treatment involves Organ Transplant to Insured Person, then We will also pay Hospitalisation Expenses (excluding cost of organ) incurred on the donor, provided Our liability towards expenses incurred on the donor and the insured recipient shall not exceed the aggregate of the Sum Insured, if any, of the Insured Person receiving the organ.","sources":[{"clause":"3.1","heading":"Our liability for all claims admitted during the Period of Insurance in respect of all","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-1"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Ambulance charges are covered up to 1% of sum insured per insured event or the plan limit: Basic Plan up to Rs. 15,000, Uplift Plan Rs. 25L and 50L up to Rs. 25,000, and Uplift Plan Rs. 1 Crore and above up to Rs. 30,000.","display":"1% of SI per insured event; Basic max Rs. 15000, Uplift Rs. 25L/50L max Rs. 25,000, Rs. 1 Crore and above max Rs. 30,000","note":"For shifting to hospital for admission in Emergency Ward or ICU, or from one hospital to another for better medical facilities.","quote":"We will pay You the charges for Ambulance services not exceeding 1% of the Sum Insured per Insured event or maximum up to the amount as mentioned in the below table ... Basic Plan | Up to Rs. 15 Lakhs | 1% of Sum insured subject to maximum of Rs. 15000, whichev is less. ... UPLIFT Plan | For Rs.25 Lakhs and 50 Lakhs | maximum upto Rs. 25,000/-. ... UPLIFT Plan | Rs.1 Crore and above | maximum upto Rs. 30,000/-.","sources":[{"clause":"3.7","heading":"PAYMENT OF AMBULANCE CHARGES","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-7"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"The sum insured increases by 25% at each renewal for each claim-free year. The maximum is 50% for Basic Plan and 100% for Uplift Plan; if a claim is made, the accrued cumulative bonus is reduced at the same rate at which it accrued.","display":"25% each claim-free year; maximum 50% Basic Plan and 100% Uplift Plan; reduced at same rate after a claim","note":"Cumulative Bonus is lost if the policy is not renewed before or within 30 days from the date of expiry.","quote":"The Sum Insured under Policy shall be increased by 25% at each renewal in respect of each claim free year of insurance, subject to maximum percentage as mentioned in the below table. If a claim is made in any particular year; the cumulative bonus accrued shall be reduced at the same rate at which it is accrued. ... Basic Plan | Up to Rs. 15 L | 25% , 50% ... Uplift Plan | Rs. 25L, 50L ,1Cr,2Cr, 3Cr and 5 Cr | 25% , 50% , 75% and 100%","sources":[{"clause":"3.10","heading":"CUMULATIVE BONUS","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-10"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"The policy covers cost of pharmacy and consumables as part of inpatient benefits, but List I items such as GLOVES and MASK are not available under the policy.","display":"Cost of Pharmacy and Consumables covered; listed non-medical items such as GLOVES and MASK not covered","note":null,"quote":"Cost of Pharmacy and Consumables, Cost of Implants, Artificial Limbs and Medical Devices and Cost of Diagnostics ... List I – Items for which coverage is not available in the policy ... 56 | GLOVES ... 60 | MASK","sources":[{"clause":"3.1","heading":"Our liability for all claims admitted during the Period of Insurance in respect of all","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-1"},{"clause":"Annexure II","heading":null,"page":47,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-annexure-ii"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are excluded, except ectopic pregnancy; miscarriage is excluded unless due to an accident.","display":"Not covered, except ectopic pregnancy; miscarriage only if due to accident","note":"A Maternity Rider is mentioned in the lower-priority brochure as an extra rider.","quote":"Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;\nb) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-15"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"A newborn baby is covered from the date of birth for medically necessary hospitalisation from acute illness or bodily injury under the mother's available sum insured. Coverage lasts till expiry of the current policy if the mother has 24 months continuous cover, or till 90 days from birth or policy expiry, whichever is earlier, if she does not.","display":"Covered from birth under mother's available SI; till policy expiry after 24 months mother's cover, otherwise till 90 days or policy expiry","note":"No coverage is available in subsequent renewals unless the child is declared and covered as an insured person.","quote":"A New Born Baby is covered for any Medically Necessary Hospitalisation resulting from acute Illness or bodily Injury under the mother’s available Sum Insured in Base Policy from the date of birth\n1. Till expiry of the current policy if the Mother is continuously covered for 24 months under the base policy or\n2. Till 90 days from date of birth or expiry of the policy, whichever is earlier, if the Mother is not continuously covered for 24 months under the base policy.","sources":[{"clause":"3.3","heading":"NEW BORN BABY COVERAGE","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-3"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"Treatment of mental illness is covered after 36 months of continuous coverage, in a mental health establishment or hospital with a specific department for mental illness and under a qualified mental health professional. The sub-limit is up to 25% of sum insured per policy period, subject to the plan-specific maximum.","display":"Covered after 36 months, up to 25% of SI subject to plan maximum","note":"Psychological counselling, cognitive/family/group/behaviour/palliative therapy or psychotherapy is excluded.","quote":"Treatment of Mental Illness: The Company shall indemnify the Medical Expenses incurred towards treatment of Mental Illness subject to the condition that Treatment shall be undertaken at a Hospital categorized as Mental Health Establishment or at a Hospital with a specific department for Mental Illness, under a Medical Practitioner qualified as Mental Health Professional.\nUIN: NIAHLIP25039V102425 NEW INDIA FLOATER MEDICLAIM POLICY The following Mental Illnesses are covered after completion of 36 months of Continuous Coverage with a sub-limit up to 25% of Sum Insured per policy period","sources":[{"clause":"3.12(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-12-a-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Medical check-up reimbursement is available at the end of every block of 3 claim-free years and only once in 3 years. It is not covered for Basic Plan; Uplift Plan Rs. 25L, 50L and 1Cr is up to Rs. 10,000 per family, and Uplift Plan Rs. 2Cr, 3Cr and 5Cr is up to Rs. 20,000 per family.","display":"Once in 3 claim-free years; Basic not covered; Uplift up to Rs 10,000 or Rs 20,000 per family","note":null,"quote":"The Insured Person shall be entitled for reimbursement of the cost of medical check-up at the end of a block of every 3 Claim Free Years. Such payment shall be restricted to the amount as mentioned in below table. This benefit is available only once in 3 years. ... Basic Plan | Up to 15 L | Not Covered ... Uplift Plan | Rs. 25L, 50L and 1 Cr | Maximum up to Rs 10,000 per family ... Uplift Plan | Rs. 2Cr, 3Cr and 5Cr | Maximum up to Rs 20,000 per family","sources":[{"clause":"3.14","heading":"HEALTH CHECK-UP","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-3-14"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"Outpatient treatments are not covered, and procedures or treatments usually done in outpatient department are not payable even if converted to inpatient for more than 24 hours.","display":"OPD not covered","note":null,"quote":"The Policy does not cover outpatient treatments. ... Procedures/treatments usually done in outpatient department are not payable under\nthe Policy even if converted as an in-patient in the Hospital for more than 24 hours","sources":[{"clause":"13","heading":"IS HOSPITALISATION ALWAYS NECESSARY TO GET A CLAIM?","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13416#c-13"},{"clause":"4.4.30","heading":"Procedures/treatments usually done in outpatient department are not payable under","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-4-4-30"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"Premium is computed based on the zone opted. Zone 1 is Maharashtra and Gujarat State; Zone 2 is Rest of India. A 20% co-payment applies if the insured from Zone 2 gets treated in Zone 1.","display":"Premium by Zone 1 Maharashtra/Gujarat or Zone 2 Rest of India; 20% co-pay if Zone 2 treated in Zone 1","note":null,"quote":"For the purpose of policy issuance, the premium will be computed based on the Zone Opted by the Insured Person in the proposal form. Classification of Zones are as follows:\nZone 1: Maharashtra and Gujarat State Zone 2: Rest of India. ... The condition of 20% Co-payment will be applicable, if the insured from zone 2, gets treated in zone 1.","sources":[{"clause":"5.30","heading":"Zone Classification","page":37,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-30"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility means the insurer directly pays the network provider for treatment costs according to policy terms, to the extent of pre-authorisation approved. Payment is made directly to a network hospital if cashless facility is applied for before treatment and accepted by the TPA.","display":"Available at network hospitals with pre-authorisation accepted by TPA","note":"Cashless is a mode of claim payment and cannot be demanded in every claim.","quote":"CASHLESS FACILITY means a facility extended by the Insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization approved. ... Payment shall be made directly to Network Hospital if Cashless facility is applied for before treatment and accepted by TPA.","sources":[{"clause":"2.6","heading":"CASHLESS FACILITY","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-2-6"},{"clause":"5.18","heading":"PLACE OF TREATMENT AND PAYMENT","page":32,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418#c-5-18"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled through the TPA for cashless facility and reimbursement claim settlement.","display":"TPA","note":null,"quote":"Third Party Administrator (TPA) is a service provider to facilitate service to you for providing Cashless facility for all Hospitalisation that come under the scope of the policy. The TPA also settles reimbursement claims within the scope of the Policy.","sources":[{"clause":"35","heading":"WHAT IS THIRD PARTY ADMINISTRATOR (TPA)?","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13416#c-35"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, the entire family can be covered under a Single Sum Insured","note":"Minimum two members and maximum six members can be covered in a single policy.","quote":"Yes. You can cover the entire family under a Single Sum Insured.","sources":[{"clause":"3","heading":"CAN I COVER MY FAMILY MEMBERS IN ONE POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13416#c-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Clause New India Floater Mediclaim Policy","pages":55,"fetched_at":"2026-10-17 19:49:54+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/floater-mediclaim-policy/Policy%20Clause%20New%20India%20Floater%20Mediclaim.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13418"},{"kind":"prospectus","label":"Prospectus","pages":28,"fetched_at":"2026-10-17 19:49:57+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/floater-mediclaim-policy/Prospectus%20New%20India%20Floater%20Mediclaim%20Updated.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13416"},{"kind":"cis","label":"Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 19:49:53+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/floater-mediclaim-policy/Customer%20information%20sheet%20_%20New%20India%20Floater%20Mediclaim%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13412"},{"kind":"brochure","label":"New India Floater Mediclaim - Uplift Plan Brochure","pages":2,"fetched_at":"2026-10-17 19:49:32+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/floater-mediclaim-policy/New%20India%20Folater%20Mediclaim%20-%203%20fold%20New%20Matter%20wi_260722_153623.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13399"},{"kind":"brochure","label":"Policy Brochure","pages":2,"fetched_at":"2026-10-17 19:49:42+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/floater-mediclaim-policy/1%20Floter%20Mediclaim%20Pamphlet.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/13404"},{"kind":"premium","label":"Premium Chart","pages":null,"fetched_at":"2026-10-17 19:49:58+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/floater-mediclaim-policy/Premium_chartNew_India_Floater_mediclaim_policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/30461"},{"kind":"proposal","label":"Proposal Form","pages":null,"fetched_at":"2026-10-17 19:49:56+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/floater-mediclaim-policy/Proposal_Form%20New%20India%20Floater%20Mediclaim%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425/document/30460"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.newindia.co.in/grievance","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"New India Floater Mediclaim Policy (Cashless facility available) (UIN NIAHLIP25039V102425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-floater-mediclaim-policy-cashless-facility-available-niahlip25039v102425"}