{"uin":"NIAHLIP25040V102425","name":"New India Mediclaim Policy (Cashless facility available)","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425","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 Mediclaim Policy is an indemnity health policy for hospitalisation expenses in India with Basic and UPLIFT plans and policy terms of 1, 2 or 3 years. It has a 30-day initial waiting period, a 36-month pre-existing disease waiting period and room rent limits by plan.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:57:51.410587+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\n• UPLIFT Plan: Sum Insured (Rs.) 25 Lakhs, 50 Lakhs, 1 Crore, 2 Crore, 3 Crore, 5 Crore","sources":[{"clause":null,"heading":"POLICY CLAUSE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-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":"2.60","heading":"POLICY TERM","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-2-60"}],"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":"For a planned hospitalisation, intimate the TPA immediately on detection of the illness or injury or 48 hours before hospitalisation. For emergency hospitalisation, intimate within 24 hours from the time of hospitalisation.","display":"Immediately or 48 hours before planned hospitalisation; within 24 hours for emergency hospitalisation","note":null,"quote":"a) Intimate TPA in writing on detection of any Illness/Injury being suffered immediately or forty-eight hours before Hospitalisation. ... b) 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":30,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-5-20-a"},{"clause":"5.20(b)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":"quote-verified","value":["Claim Form duly filled and signed by the claimant","All documents pertaining to the illness starting from the date it was first detected i.e., Doctor's consultation reports/history","Numbered Bill/Receipt and Discharge certificate / card from the Hospital.","Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.","Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.","Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt.","Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis.","Details of previous policies if the details are not already with TPA or any other information needed by the TPA for considering the claim."],"display":"Claim form, medical history, hospital bills and discharge papers, cash memos, test reports, surgeon and doctor bills/certificates, previous policy details or other information needed by TPA","note":"Supporting documents are to be submitted within 15 days from discharge; post-hospitalisation documents within 15 days after completion of that treatment.","quote":"i) Claim Form duly filled and signed by the claimant\nii) All documents pertaining to the illness starting from the date it was first detected i.e., Doctor's consultation reports/history\niii) Numbered Bill/Receipt and Discharge certificate / card from the Hospital.\niv) Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.\nv) Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.\nvi) Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt.\nvii) Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis.\nviii) Details of previous policies if the details are not already with TPA or any other information needed by the TPA for considering the claim.","sources":[{"clause":"5.20(c)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-5-20-c"}],"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 the claim within 15 days of receipt of the last necessary document, including investigated claims. 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","note":null,"quote":"i) We shall settle or reject a claim, as may be the case, within 15 (fifteen) days of the receipt of the last ‘necessary’ document. ... v) However, where the circumstances of a claim warrant an investigation in the opinion of the Insurer, We shall initiate and complete such investigation at the earliest. In such cases, we shall settle the claim within 15 days from the date of receipt of last necessary document. ... vi) 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":31,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":["Pre-existing diseases excluded until 36 months of continuous coverage","Specific waiting period of Ninety Days / 24 months / 36 months for listed conditions, surgeries / treatments","Any illness within 30 days from the first policy commencement date, except accident claims","Investigation & Evaluation","Rest Cure, Rehabilitation and Respite Care","Change-of-Gender Treatments","Cosmetic or Plastic Surgery","Hazardous or Adventure Sports","Breach of Law","Alcoholism, drug or substance abuse or any addictive condition","Unproven Treatments","Sterility and Infertility","Maternity Expenses","Any expenses incurred on Domiciliary Hospitalization","Treatment and/or services taken outside the geographical limits of India"],"display":"PED, specific waiting periods, first 30 days illness, and main standard and specific exclusions","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 Ninety 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 related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... 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 ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and ... consequences thereof. (Code- Excl12) ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Expenses related to sterility and infertility. ... 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":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-1"},{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-2"},{"clause":"4.3(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-3-a"},{"clause":"4.4.1","heading":"INVESTIGATION & EVALUATION (Code- Excl04)","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-1"},{"clause":"4.4.2","heading":"REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05)","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-2"},{"clause":"4.4.4","heading":"CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-4"},{"clause":"4.4.5","heading":"COSMETIC OR PLASTIC SURGERY (Code- Excl08)","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-5"},{"clause":"4.4.6","heading":"HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-6"},{"clause":"4.4.7","heading":"BREACH OF LAW (Code- Excl10)","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-7"},{"clause":"4.4.9","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-9"},{"clause":"4.4.13","heading":"UNPROVEN TREATMENTS (Code- Excl16)","page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-13"},{"clause":"4.4.14","heading":"STERILITY AND INFERTILITY (Code- Excl17)","page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-14"},{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-15"},{"clause":"4.4.17","heading":null,"page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-4-17"},{"clause":"4.4.27","heading":"Treatment and/or services taken outside the geographical limits of India","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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 grievance website, toll-free number, email/fax/courier or the branch grievance cell. If not satisfied, contact the grievance officer, and then the Insurance Ombudsman or IRDAI IGMS.","display":"Company grievance channels, branch grievance cell and grievance officer before Ombudsman/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, insured person may contact the grievance officer at https://www.newindia.co.in/portal/readMore/Grievances","sources":[{"clause":"5.14","heading":"REDRESSAL OF GRIEVANCE","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":"conflicting","value":"Policy wording lists BASIC Plan sum insured options of Rs. 2 Lakhs, 3 Lakhs, 5 Lakhs, 8 Lakhs, 10 Lakhs, 12 Lakhs and 15 Lakhs, and UPLIFT Plan options of Rs. 25 Lakhs, 50 Lakhs, 1 Crore, 2 Crore, 3 Crore and 5 Crore.","display":"BASIC: Rs. 2 Lakhs to 15 Lakhs; UPLIFT: Rs. 25 Lakhs to 5 Crore","note":"Policy wording omits Rs. 1 lakh. Prospectus says: “Basic Plan: Sum Insured of (Rs.) 1 lakh, 2 Lakh, 3 Lakh, 5 Lakh, 8 Lakh, 10 Lakh, 12 Lakh, 15 Lakh”.","quote":"• BASIC Plan: Sum Insured of (Rs.) 2 Lakhs, 3 Lakhs, 5 Lakhs, 8 Lakhs, 10 Lakhs, 12 Lakhs, 15 Lakhs\n• UPLIFT Plan: Sum Insured (Rs.) 25 Lakhs, 50 Lakhs, 1 Crore, 2 Crore, 3 Crore, 5 Crore ... Basic Plan: Sum Insured of (Rs.) 1 lakh, 2 Lakh, 3 Lakh, 5 Lakh, 8 Lakh, 10 Lakh, 12 Lakh, 15 Lakh\nUplift Plan: Sum Insured (Rs.) 25 Lakh, 50 Lakh, 1 Crore, 2 Crore, 3 Crore, 5 Crore","sources":[{"clause":null,"heading":"POLICY CLAUSE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-policy-clause"},{"clause":"2","heading":"WHAT ARE THE PLANS AND SUM INSUREDS AVAILABLE IN THIS POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13421#c-2"}],"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 covered accident claims; not applicable after more than twelve months of continuous coverage.","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(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-3-a"}],"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":"Applies afresh to enhanced sum insured; prior continuous coverage under portability norms reduces the waiting period.","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":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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; 24 months; 36 months","note":"Shortest tier is 90 days for Diabetes Mellitus, Hypertension and Cardiac Conditions; other listed conditions have 24-month or 36-month waiting periods.","quote":"Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of Ninety Days / 24 months / 36 months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer.","sources":[{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-2"}],"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":"quote-verified","value":["Diabetes Mellitus","Hypertension","Cardiac Conditions","All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","Benign ear, nose, throat disorders","Benign prostate hypertrophy","Cataract and age-related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non-Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Skin Disorders","Stone in Gall Bladder and Bile duct, excluding malignancy","Stones in Urinary system","Treatment for Menorrhagia / Fibromyoma, Myoma and Prolapsed uterus","Varicose Veins and Varicose Ulcers","Renal Failure","Puberty and Menopause related Disorders","Internal Congenital Diseases","Congenital External Disease","Joint Replacement due to Degenerative Condition","Age-related Osteoarthritis & Osteoporosis","Treatment of Mental Illness","Age Related Macular Degeneration (ARMD)","Genetic diseases or disorders"],"display":"90-day, 24-month and 36-month listed illnesses and procedures","note":null,"quote":"i) 90 Days Waiting Period\n1. Diabetes Mellitus\n2. Hypertension\n3. Cardiac Conditions ... ii) 24 Months waiting period\n1. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n2. Benign ear, nose, throat disorders\n3. Benign prostate hypertrophy\n4. Cataract and age-related eye ailments\n5. Gastric/ Duodenal Ulcer\n6. Gout and Rheumatism\n7. Hernia of all types\n8. Hydrocele\n9. Non-Infective Arthritis\n10. Piles, Fissures and Fistula in anus\n11. Pilonidal sinus, Sinusitis and related disorders\n12. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n13. Skin Disorders\n14. Stone in Gall Bladder and Bile duct, excluding malignancy\n15. Stones in Urinary system\n16. Treatment for Menorrhagia / Fibromyoma, Myoma and Prolapsed uterus\n17. Varicose Veins and Varicose Ulcers\n18. Renal Failure\n19. Puberty and Menopause related Disorders\n20. Internal Congenital Diseases ... iii) 36 Months waiting period\n1. Congenital External Disease\n2. Joint Replacement due to Degenerative Condition\n3. Age-related Osteoarthritis & Osteoporosis\n4. Treatment of Mental Illness\n5. Age Related Macular Degeneration (ARMD)\n6. Genetic diseases or disorders","sources":[{"clause":"4.2(e)(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-2-e-i"},{"clause":"4.2(e)(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-2-e-ii"},{"clause":"4.2(e)(iii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-4-2-e-iii"}],"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, sixty continuous months applies from the date of enhancement for the enhanced limit.","quote":"After completion of sixty 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 sixty continuous months is called as Moratorium period.","sources":[{"clause":"5.8","heading":"MORATORIUM PERIOD","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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. If continuously covered without lapses, credit for sum insured, no claim bonus, specific waiting period for pre-existing diseases, moratorium period etc. can be transferred.","display":"Portability allowed with continuity credit, by applying 30 to 60 days before renewal","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":29,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":"Quoted from the prospectus; the policy wording states the policy is ordinarily renewable except on grounds of fraud or misrepresentation.","quote":"No. Your Policy can be renewed, as long as You pay the Renewal Premium before the date of expiry of the Policy. There is an age limit for taking a fresh Policy, but there is no age limit for renewal.","sources":[{"clause":"29","heading":"IS THERE AN AGE LIMIT UPTO WHICH THE POLICY WOULD BE RENEWED?","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13421#c-29"}],"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":"Renewal cannot be denied because of claims in preceding policy years, and no loading shall apply on renewals based on individual claims experience.","display":"No loading on renewal based on individual claims experience","note":null,"quote":"ii) Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... v) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.11","heading":"RENEWAL OF POLICY","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"You may cancel the policy during the term by giving 7 days’ written notice. For term up to one year, the insurer refunds proportionate premium for the unexpired period if no claim was made; for term above one year, it refunds premium for unexpired policy years whose risk coverage has not commenced, but no refund is made if a claim was admitted, lodged or a benefit availed.","display":"Proportionate refund for unexpired period if no claim; no refund if any claim admitted/lodged or benefit availed","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. ... a) refunds proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... b) 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":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-5-1"},{"clause":"5.1(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-5-1-a"},{"clause":"5.1(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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/surgical treatment and/or services rendered only in India, and admissible claims are payable only in Indian Rupees.","display":"India only","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":29,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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 thirty 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. A period of 30 days (from the date of receipt of the policy document) is available to the policyholder to review the terms and conditions of the policy.","sources":[{"clause":"5.6","heading":"FREE LOOK PERIOD","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"The renewal clause also says the policy can be renewed within the Grace Period of 30 days to maintain continuity.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"2.17","heading":"GRACE PERIOD","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":"Fresh entry is for persons between 18 years and 65 years. Children between 3 months and 18 years can be covered, and children from 18 to 25 years can be covered if financially dependent on the parents.","display":"Adults 18 to 65 years; children from 3 months","note":"From the prospectus. Persons beyond 65 years can continue renewal if insured under the policy without break.","quote":"All the persons proposed for this Insurance should be between the age of 18 years and 65 years. Children between the age of 3 months and 18 years can be covered under the policy. Children between 18 years to 25 years can also be covered provided they are financially dependent on the parents.","sources":[{"clause":"1","heading":"WHO CAN TAKE THIS POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13421#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","OPTIONAL COVER II: VOLUNTARY CO-PAY","Critical Illness Rider","Pre & Post Hospitalisation Rider","Durable Medical Devices Rider","Maternity Rider","No - Proportionate Deduction Rider","Non - Medical Expenses Rider","Modern Treatment Rider","CB PROTECT RIDER","DAY 1 PROTECTION RIDER","RESTORATION OF SUM INSURED RIDER","ENHANCED CATARACT LIMIT RIDER"],"display":"Revision in limit of cataract; voluntary co-pay; extra riders listed in brochures","note":"Policy optional covers are cataract limit revision and voluntary co-pay. Rider names are from lower-priority brochures and are not used to answer base cover fields.","quote":"3.13 OPTIONAL COVER I: REVISION IN LIMIT OF CATARACT ... This optional cover, if opted, will be in addition to limit specified in Clause 3.3. On payment of additional Premium as mentioned in Schedule ... 3.14 OPTIONAL COVER II: VOLUNTARY CO-PAY ... If the Insured person opts for voluntary co-pay of 20%, a discount of 15% shall be of given on the premium payable for the Insured Person. ... EXTRA RIDERS FOR ENHANCEMENT OF COVER G Critical Illness Rider G Pre & Post Hospitalisation Rider G Durable Medical Devices Rider G Maternity Rider G No - Proportionate Deduction Rider G Non - Medical Expenses Rider G Modern Treatment Rider ... CB PROTECT RIDER ... DAY 1 PROTECTION RIDER ... RESTORATION OF SUM INSURED RIDER ... ENHANCED CATARACT LIMIT RIDER","sources":[{"clause":"3.13","heading":"OPTIONAL COVER I: REVISION IN LIMIT OF CATARACT","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-13"},{"clause":"3.14","heading":"OPTIONAL COVER II: VOLUNTARY CO-PAY","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-14"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13414#c-s1"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13411#c-s1"},{"clause":null,"heading":"ENHANCED CATARACT LIMIT RIDER","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13411#c-enhanced-cataract-limit-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 period for which no premium is received. The renewal clause also states that coverage is not available during the Grace Period.","display":"No coverage during the grace period","note":null,"quote":"Coverage is not available during the period for which no premium is received. ... Coverage is not available during the Grace Period.","sources":[{"clause":"2.17","heading":"GRACE PERIOD","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-2-17"},{"clause":"5.11","heading":"RENEWAL OF POLICY","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-5-11"}],"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 not exceeding 1% of the Sum Insured per day, maximum Rs. 15,000 per day. UPLIFT Plan Rs. 25L, 50L and 1Cr has 1% per day, maximum Rs. 30,000 per day; UPLIFT Plan Rs. 2Cr, 3Cr and 5Cr pays actuals.","display":"BASIC: 1% of SI per day max Rs. 15,000; UPLIFT 25L/50L/1Cr: 1% max Rs. 30,000; UPLIFT 2Cr/3Cr/5Cr: Actuals","note":null,"quote":"Plan Name | Sum Insured | Room Rent Limit\nBASIC Plan | Up to Rs. 15L | 1% of the Sum Insured per day maximum up to Rs. 15,000 per day\nUPLIFT Plan | Rs. 25L, 50L and 1Cr | 1% of the Sum Insured per day maximum up to Rs. 30,000 per day\nUPLIFT Plan | Rs. 2Cr, 3Cr and 5Cr | Actuals","sources":[{"clause":"3.1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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 product states room rent as percentage/rupee limits or actuals, not as a room category such as shared 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 has ICU/ICCU limit of 2% of the Sum Insured per day, maximum Rs. 25,000 per day. UPLIFT Plan Rs. 25L, 50L and 1Cr has 2% per day, maximum Rs. 50,000 per day; UPLIFT Plan 2Cr, 3Cr and 5Cr pays actuals.","display":"BASIC: 2% of SI per day max Rs. 25,000; UPLIFT 25L/50L/1Cr: 2% max Rs. 50,000; UPLIFT 2Cr/3Cr/5Cr: Actuals","note":"The table heading says Room Rent Limit, but the row text is for Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU).","quote":"Plan Name | Sum Insured | Room Rent Limit\nBASIC Plan | Up to Rs. 15L | 2% of the Sum Insured per 2% Of the Sum Insured day maximum up to Rs Per day. 25,000 per day\nUPLIFT Plan | Rs. 25L, 50L and 1Cr | 2% of the Sum Insured per day maximum up to Rs. 50,000 per day\nUPLIFT Plan | 2Cr, 3Cr and 5Cr | Actuals","sources":[{"clause":"3.1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":"Proportionate deduction applies on Associate Medical Expenses if the insured person opts for a higher room than the eligible category, in the same proportion as eligible room rate bears to actual room rent. It does not apply to pharmacy and consumables, implants/artificial limbs/medical devices, diagnostics, hospitals without differential billing, or expenses without differential billing by room category.","display":"Applicable on associate medical expenses if a higher room is chosen","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, Artificial Limbs and Medical Devices\n3. Cost of Diagnostics.","sources":[{"clause":"3.2","heading":"PROPORTIONATE DEDUCTION","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-2"}],"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":"quote-verified","value":"A 20% co-payment applies if an insured from Zone 2 gets treated in Zone 1. It does not apply for immediate hospitalisation arising out of accident or for illnesses or treatments having sub-limit; voluntary 20% co-pay can also be opted for a premium discount.","display":"20% if Zone 2 insured is treated in Zone 1; optional 20% voluntary co-pay","note":"Voluntary co-pay is optional and changes the answer only if chosen.","quote":"The condition of 20% Co-payment will be applicable, if the insured from zone 2, gets treated in zone 1.\n• Co-Pay shall not be applicable for immediate hospitalization arising out of Accident.\n• Co-Pay shall also not be applicable for Illness or Treatments having sub-limit. ... If the Insured person opts for voluntary co-pay of 20%, a discount of 15% shall be of given on the premium payable for the Insured Person.","sources":[{"clause":"5.30","heading":"Zone Classification","page":35,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-5-30"},{"clause":"3.14","heading":"OPTIONAL COVER II: VOLUNTARY CO-PAY","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-14"}],"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 is stated as applicable.","display":"Not Applicable","note":"From the Customer Information Sheet.","quote":"Deductible/ Any Other limit as applicable | Not Applicable","sources":[{"clause":null,"heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13417#c-s7"}],"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":"quote-verified","value":["Cataract: 20% of Sum Insured, subject to plan-wise per-eye maximum","Hospital Cash: up to 10 days and Any One Illness cap of 1% of Sum Insured","Artificial life maintenance: up to 10% of Sum Insured per policy period","Puberty and Menopause related Disorders: up to 25% of Sum Insured, with plan-wise maximums","Age Related Macular Degeneration (ARMD): 10% of Sum Insured with plan-wise maximums","Genetic diseases or disorders: 25% of Sum Insured with plan-wise maximums","Treatment of Mental Illness: 25% of Sum Insured with plan-wise maximums","Modern treatments or procedures: procedure-wise limits","Congenital External Disease or Defects or anomalies: 10% of average Sum Insured in preceding three years with plan-wise maximums"],"display":"Cataract, hospital cash, artificial life maintenance, puberty/menopause disorders, ARMD, genetic diseases, mental illness, modern treatments and congenital external disease have sub-limits","note":"Plan-wise maximums differ by Basic and UPLIFT sum insured bands.","quote":"Our liability for payment of any claim relating to Cataract, for each eye, shall not exceed 20% of the Sum Insured subject to a maximum of the amount as mentioned in the below table. ... The payment under this Clause for Any One Illness shall not exceed 1% of the Sum Insured. ... We cover the expenses up to 10% of the Sum Insured per policy period for covered illness ... This cover will have a sub-limit of up to 25% of Sum Insured per policy period ... This cover will have a sub-limit of 10% of Sum Insured per policy period ... Genetic diseases or disorders are covered with a sub-limit of 25% of Sum Insured per policy period ... with a sub-limit up to 25% of Sum Insured per policy period ... up to the limit specified against each procedure during the policy period. ... Congenital External Disease or Defects or anomalies shall be covered after thirty-six months of Continuous Coverage, but such cover for Congenital External Disease or Defects or anomalies shall be limited to 10% of the average Sum Insured in the preceding (3) three years","sources":[{"clause":"3.3","heading":"LIMIT ON PAYMENT FOR CATARACT","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-3"},{"clause":"3.5","heading":"HOSPITAL CASH","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-5"},{"clause":"3.16(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-16-a"},{"clause":"3.16(b)","heading":"Puberty and Menopause related Disorders","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-16-b"},{"clause":"3.16(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-16-c"},{"clause":"3.16(d)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-16-d"},{"clause":"3.16(e)","heading":"Treatment of Mental Illness","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-16-e"},{"clause":"3.17","heading":"COVERAGE FOR MODERN TREATMENTS or PROCEDURES","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-17"},{"clause":"3.18","heading":"TREATMENT FOR CONGENITAL DISEASES","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-18"}],"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":"30 days","note":"Expenses must be for the same condition and the inpatient hospitalisation claim must be admissible.","quote":"PRE-HOSPITALISATION MEDICAL EXPENSES mean Medical Expenses incurred during 30 days ... preceding the Hospitalisation of the Insured Person","sources":[{"clause":"2.37","heading":"PRE-HOSPITALISATION MEDICAL EXPENSES mean Medical Expenses incurred during 30 days","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-2-37"}],"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":"60 days","note":"Expenses must be for the same condition and the inpatient hospitalisation claim must be admissible.","quote":"POST-HOSPITALISATION MEDICAL EXPENSES means Medical Expenses incurred during 60 days immediately after the Insured Person is discharged from the Hospital","sources":[{"clause":"2.38","heading":"POST-HOSPITALISATION MEDICAL EXPENSES","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-2-38"}],"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/treatments in Annexure-I where admission can be for less than 24 consecutive hours. Basic Plan and UPLIFT Plan have separate listed day-care procedure schedules.","display":"Specified Annexure-I day-care procedures, less than 24 hours","note":"Treatment normally taken on an out-patient basis is not included in the day-care definition.","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) ... No | LIST OF DAY-CARE TREATMENTS | No | LIST OF DAY-CARE TREATMENTS","sources":[{"clause":"2.19","heading":"HOSPITALISATION","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-2-19"},{"clause":null,"heading":"LIST OF DAY CARE PROCEDURES (FOR BASIC PLAN)","page":36,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-list-of-day-care-procedures-for-basic-plan"},{"clause":null,"heading":"LIST OF DAY CARE PROCEDURES (FOR UPLIFT PLAN)","page":39,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-list-of-day-care-procedures-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; the policy specifically excludes expenses incurred on domiciliary hospitalisation.","display":"Not covered","note":null,"quote":"Any expenses incurred on Domiciliary Hospitalization.","sources":[{"clause":"4.4.17","heading":null,"page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":"AYUSH treatment expenses for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy are covered up to 100% of the Sum Insured during each policy year as specified in the schedule.","display":"Up to 100% of 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":11,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 the insured person's treatment involves an organ transplant, hospitalisation expenses of the donor are also paid, excluding the cost of the organ. The donor and recipient expenses together cannot exceed the recipient insured person's Sum Insured plus Cumulative Bonus, if any.","display":"Donor hospitalisation expenses covered, excluding cost of organ","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 and Cumulative Bonus, if any, of the Insured Person receiving the organ.","sources":[{"clause":"3.9","heading":"MEDICAL EXPENSES FOR ORGAN TRANSPLANT","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-9"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Ambulance charges are paid for medically necessary shifting to hospital for admission in Emergency Ward or ICU, or from one hospital to another for better facilities. Limits are 1% of sum insured subject to Rs. 15,000 for Basic, Rs. 25,000 for UPLIFT 25L/50L, and Rs. 30,000 for UPLIFT 1Cr/2Cr/3Cr/5Cr.","display":"Basic: 1% of SI max Rs. 15,000; UPLIFT 25L/50L: Rs. 25,000; UPLIFT 1Cr/2Cr/3Cr/5Cr: Rs. 30,000","note":null,"quote":"We will pay You the charges for Ambulance services not exceeding 1% of the Sum Insured per Insured event or maximum Up to Rs., as mentioned in the below table, Reasonably and Medically Necessarily incurred for shifting any Insured Person to Hospital for admission in Emergency Ward or ICU, or from one Hospital to another Hospital for better medical facilities.\nPlan Name | Sum Insured | Room Rent Limit\nBASIC Plan | Up to Rs. 15 Lakhs | 1% of Sum insured subject to maximum of Rs. 15000, whichever is less.\nUPLIFT Plan | Rs. 25 Lakhs and 50 Lakhs | Maximum up to Rs. 25,000\nUPLIFT Plan | Rs. 1Cr,2Cr, 3Cr and 5Cr | Maximum up to Rs. 30,000","sources":[{"clause":"3.7","heading":"PAYMENT OF AMBULANCE CHARGES","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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":"quote-verified","value":"If the Sum Insured is exhausted due to an admissible claim, the Sum Insured is reinstated to the schedule Sum Insured, only for sum insured of Rs. 5 Lakhs or more. It applies after discharge for subsequent hospitalisation, once per insured person per period of insurance, and does not cover illness or injury from hospitalisation before reinstatement.","display":"Reinstatement up to Sum Insured, once per insured person, for SI Rs. 5 Lakhs or more","note":"Not available for Modern Treatments listed in Clause 3.17.","quote":"If the Sum Insured is exhausted due to a claim admissible under the Policy, then the Sum Insured shall be reinstated to the Sum Insured stated in the Schedule ... 1. Such Reinstatement of Sum Insured shall be effected only where the Sum Insured is Rs. 5 Lakhs or more.\n2. Such Reinstatement shall take effect only after the Date of Discharge from the Hospital and for the subsequent Hospitalisation\n3. No Illness or Injury, for a Hospitalisation occurring during the Period of Insurance till the Date of Reinstatement, for which a Claim is paid or admissible, shall be considered under the Reinstated Sum Insured.\n4. Such Reinstatement shall be available only once for each Insured Person during a Period of Insurance.","sources":[{"clause":"3.10","heading":"REINSTATEMENT OF SUM INSURED","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-10"}],"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":"Cumulative Bonus increases the Sum Insured by 25% at each renewal for each claim-free year. The maximum is 50% for Basic Plan up to Rs. 15L and 100% for UPLIFT Plan 25L to 5Cr; if a claim is made, accrued bonus is reduced at the same rate at which it accrued.","display":"25% per claim-free renewal; max 50% Basic and 100% UPLIFT; reduced after a claim","note":"Available for persons having Sum Insured of 2 Lakh and above; lost if policy is not renewed before or within 30 days from 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 of % 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.\nPlan Name | Sum Insured | Cumulative Bonus Limit\nBASIC Plan | Up to Rs 15L | 25% , 50%\nUPLIFT Plan | 25L, 50L ,1Cr,2Cr, 3Cr and 5 Cr | 25% , 50% , 75% and 100%","sources":[{"clause":"3.15","heading":"CUMULATIVE BONUS","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-15"}],"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":"Cost of Pharmacy and Consumables is covered as part of covered hospitalisation expenses. However, List I items such as GLOVES and MASK are stated as items for which coverage is not available, and other listed items may be subsumed into room, procedure or treatment costs.","display":"Cost of Pharmacy and Consumables covered; listed non-medical items excluded or subsumed","note":null,"quote":"3.1(d) | 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":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-1"},{"clause":"Annexure II","heading":null,"page":44,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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, including childbirth expenses, complicated deliveries and caesarean sections during hospitalisation, except ectopic pregnancy. Miscarriage expenses are excluded unless due to an accident, and lawful medical termination of pregnancy is excluded during the policy period.","display":"Not covered, except ectopic pregnancy and miscarriage due to accident","note":"A lower-priority brochure lists a Maternity Rider, but this is not part of the base cover.","quote":"a) 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":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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 date of birth for medically necessary hospitalisation due to acute illness or bodily injury under the mother’s available Sum Insured. Cover lasts till policy expiry if the mother has 24 months’ continuous cover, or till 90 days or policy expiry if not; later cover requires declaration and pro-rata premium.","display":"Covered from birth under mother’s available SI, with 24-month mother cover condition for full current-policy cover","note":"No cover 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 or expiry of the policy, whichever is earlier, if the Mother is not continuously covered for 24 months under the base policy. After 90 days Baby to be specifically declared for insurance and additional pro-rata premium should be paid under Base policy","sources":[{"clause":"3.11","heading":"NEW BORN BABY COVER","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-11"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"Inpatient treatment of listed mental illnesses is covered after 36 months of continuous coverage, in a mental health establishment or hospital with a specific mental illness department, under a qualified mental health professional. The sub-limit is up to 25% of Sum Insured per policy period, subject to plan-wise maximums.","display":"Covered after 36 months, up to 25% of SI subject to maximums","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. 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 up to maximum limits as mentioned in the below table, whichever is less:","sources":[{"clause":"3.16(e)","heading":"Treatment of Mental Illness","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-16-e"}],"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 costs are reimbursed at the end of a block of every 3 claim-free years, only once in three years. Limits are Basic up to 1% of average Sum Insured in the preceding 3 years, maximum Rs. 5,000; UPLIFT 25L/50L max Rs. 10,000, 1Cr max Rs. 12,500, and 2Cr/3Cr/5Cr max Rs. 15,000.","display":"Once in 3 claim-free years; max Rs. 5,000 to Rs. 15,000 by plan/SI","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 three years. Any payment made under this clause shall not be considered as a claim.\nPlan Name | Sum Insured | Room Rent Limit\nBASIC Plan | Up to Rs. 15L | 1% of average Sum Insured in preceding 3 years, maximum Up to Rs. 5000\nUPLIFT Plan | 25L, 50L | Maximum Up to Rs. 10,000\nUPLIFT Plan | 1Cr | Maximum Up to Rs. 12,500\nUPLIFT Plan | 2Cr, 3Cr and 5Cr | Maximum Up to Rs. 15,000","sources":[{"clause":"3.6","heading":"HEALTH CHECK-UP","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-6"}],"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. Procedures or treatments usually done in the outpatient department are not payable even if converted into inpatient hospitalisation for more than 24 hours.","display":"OPD not covered","note":"The first quote is from the prospectus; the OPD procedure exclusion is in the policy wording.","quote":"Yes. Unless the Insured Person is Hospitalised for a condition warranting Hospitalisation, no claim is payable under the Policy. The Policy does not cover outpatient treatments. ... Procedures/treatments usually done in outpatient department are not payable under the ... Policy even if converted as an in-patient in the Hospital for more than 24 hours","sources":[{"clause":"7","heading":"IS HOSPITALISATION ALWAYS NECESSARY TO GET A CLAIM?","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13421#c-7"},{"clause":"4.4.30","heading":"Procedures/treatments usually done in outpatient department are not payable under the","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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 in the proposal form. Zone 1 is Maharashtra and Gujarat State, Zone 2 is the rest of India; Zone 2 insureds treated in Zone 1 have a 20% co-payment, with stated exceptions.","display":"Zone 1: Maharashtra and Gujarat; 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":35,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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 is available as a mode of claim payment at a network hospital if applied for before treatment and accepted by the TPA. Payment is made directly to the network hospital; denial of cashless does not imply denial of the claim.","display":"Available at network hospitals if pre-authorised by TPA","note":null,"quote":"Payment shall be made directly to Network Hospital if Cashless facility is applied for before treatment and accepted by TPA. If request for Cashless facility is not accepted by TPA, bills shall be submitted to the TPA after payment of Hospital bills by you.\nNote: Cashless facility is only a mode of claim payment and cannot be demanded in every claim. ... Denial of Cashless facility would not imply denial of claim.","sources":[{"clause":"5.18","heading":"PLACE OF TREATMENT AND PAYMENT","page":29,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#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 communications and papers must be sent to the TPA, and cashless payment is accepted or declined by the TPA. The policy also states claims are reimbursed through the Third Party Administrator.","display":"TPA","note":null,"quote":"we will reimburse such expense incurred by You, through the Third Party Administrator, in the manner stated herein. ... Payment shall be made directly to Network Hospital if Cashless facility is applied for before treatment and accepted by TPA. If request for Cashless facility is not accepted by TPA, bills shall be submitted to the TPA after payment of Hospital bills by you. ... You must send all communications and papers regarding a claim to the TPA at the address shown in the Schedule.","sources":[{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-1"},{"clause":"5.18","heading":"PLACE OF TREATMENT AND PAYMENT","page":29,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-5-18"},{"clause":"5.19","heading":"COMMUNICATION","page":30,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-5-19"}],"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, floater policies are referred to","note":"The prospectus also says family members can be covered in one policy with separate Sum Insured for each Insured Person; the quoted policy wording nevertheless refers to floater policies.","quote":"In case of floater policies where Insured Persons Renew their expiring policy by splitting the Sum Insured in to two or more floater policies/individual policies, the same CB of the expiring policy shall be applicable to each Individual of such Renewed Policies.","sources":[{"clause":"3.15","heading":"CUMULATIVE BONUS","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424#c-3-15"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Clauses","pages":52,"fetched_at":"2026-10-17 19:50:04+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-mediclaim-policy/Policy%20%20Clause_%20New%20India%20Mediclaim%20Policy%20.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13424"},{"kind":"prospectus","label":"Prospectus","pages":27,"fetched_at":"2026-10-17 19:50:07+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-mediclaim-policy/Prospectus%20New%20India%20Mediclaim%20Policy%20final.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13421"},{"kind":"cis","label":"Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 19:50:03+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-mediclaim-policy/Customer%20information%20sheet%20_%20New%20India%20Mediclaim%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13417"},{"kind":"brochure","label":"New India Mediclaim - Uplift Plan Brochure","pages":2,"fetched_at":"2026-10-17 19:49:51+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-mediclaim-policy/New%20India%20Mediclaim%20-%203%20fold%20New%20Matter%20New%20with%20I_260722_153651.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13411"},{"kind":"brochure","label":"Policy Brochure","pages":2,"fetched_at":"2026-10-17 19:50:01+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-mediclaim-policy/1%20New%20India%20Mediclaim%20Pamphlet.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/13414"},{"kind":"premium","label":"Premium Chart","pages":null,"fetched_at":"2026-10-17 19:50:08+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-mediclaim-policy/Premium%20Chart%20New%20India%20Mediclaim.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/30464"},{"kind":"proposal","label":"Proposal Form","pages":null,"fetched_at":"2026-10-17 19:50:06+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-mediclaim-policy/ProposalFormNewIndiaMediclaim.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425/document/30463"}],"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 Mediclaim Policy (Cashless facility available) (UIN NIAHLIP25040V102425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-mediclaim-policy-cashless-facility-available-niahlip25040v102425"}