New India Assurance Company Limited भारत की सबसे बड़ी सामान्य बीमा कंपनी है और सरकारी स्वामित्व वाली (PSU) है। 1919 में टाटा समूह द्वारा स्थापित, 1973 में राष्ट्रीयकृत, यह कंपनी विश्वसनीयता और व्यापक नेटवर्क के लिए जानी जाती है।
New India Assurance Overview:
- स्थापना: 1919 (100+ वर्ष पुरानी)
- स्वामित्व: भारत सरकार (100%)
- नेटवर्क: 2,000+ offices across India
- विश्वसनीयता: AAA rated by CRISIL
New India Assurance Health Insurance Plans 2026
1. Mediclaim Policy (Individual/Family)
न्यू इंडिया की सबसे लोकप्रिय स्वास्थ्य बीमा योजना:
Coverage Options:
| Sum Insured | Individual Premium* | Family Premium* (2A+2C) |
|---|---|---|
| ₹1 Lakh | ₹2,500 | ₹6,000 |
| ₹2 Lakh | ₹3,500 | ₹9,000 |
| ₹3 Lakh | ₹5,000 | ₹12,000 |
| ₹5 Lakh | ₹7,000 | ₹18,000 |
| ₹10 Lakh | ₹12,000 | ₹30,000 |
*Indicative premiums for age 35-45 years. GST additional.
Key Features:
- Hospitalization: Room, boarding, nursing, ICU
- Surgery: All surgical procedures covered
- Pre-hospitalization: 30 days
- Post-hospitalization: 60 days
- Daycare: 140+ daycare procedures
- AYUSH: Ayurveda, Yoga, Unani, Siddha, Homeopathy covered
- Ambulance: Up to ₹2,000 per hospitalization
2. Senior Citizen Mediclaim Policy
60 वर्ष से अधिक आयु के लिए विशेष योजना:
Features:
- Entry Age: 60-80 years
- Sum Insured: ₹1 lakh to ₹5 lakh
- Coverage: Same as regular Mediclaim
- Pre-existing Diseases: Covered after 1 year waiting period
- Room Rent: 1% of SI per day
Premium Example (Age 65):
| Sum Insured | Annual Premium* |
|---|---|
| ₹1 Lakh | ₹8,000 - 10,000 |
| ₹2 Lakh | ₹12,000 - 15,000 |
| ₹3 Lakh | ₹18,000 - 22,000 |
| ₹5 Lakh | ₹25,000 - 32,000 |
*Premiums vary based on health conditions and zone
3. Jan Arogya Bima Policy
अफोर्डेबल स्वास्थ्य बीमा:
- Sum Insured: ₹5,000 to ₹1 lakh
- Premium: As low as ₹100-500/year
- Target: Lower income groups
- Coverage: Basic hospitalization
4. Rashtriya Swasthya Bima Yojana (RSBY) / Ayushman Bharat
सरकारी स्वास्थ्य योजनाओं के लिए New India Assurance एक प्रमुख TPA है:
- PMJAY (Ayushman Bharat) के तहत ₹5 lakh coverage
- BPL परिवारों के लिए मुफ्त
- Network hospitals में cashless treatment
5. Asha Kiran Policy (Cancer Cover)
कैंसर के लिए विशेष योजना:
- Sum Insured: ₹1 lakh to ₹5 lakh
- Coverage: Cancer treatment, chemotherapy, surgery
- Premium: Affordable (₹2,000-5,000/year)
New India vs Private Health Insurance
| Feature | New India Assurance | Private (Star/Care/HDFC) |
|---|---|---|
| Trust/Reliability | Government-backed, 100+ years | Private companies |
| Cashless Network | 6,000+ hospitals | 10,000-14,000 hospitals |
| Claim Process | Can be slower | Generally faster |
| Premium | Competitive/Affordable | Competitive |
| Sub-limits | Room rent limits apply | Many plans have no sub-limits |
| Digital Experience | Improving | Generally better apps |
| Agent Network | Extensive pan-India | Urban-focused |
Advantages of New India Assurance
Why Choose NIA:
- ✅ Government Ownership: 100% GOI owned, no bankruptcy risk
- ✅ Trust Factor: 100+ years of service
- ✅ Pan-India Network: 2,000+ offices even in small towns
- ✅ Rural Reach: Available where private insurers aren't
- ✅ Affordable Plans: Competitive premiums
- ✅ Senior Citizen Focus: Good options for 60+
- ✅ Government Schemes: Ayushman Bharat partner
Considerations:
- Cashless network smaller than private players
- Room rent sub-limits in most plans
- Digital claim process still evolving
- May need to follow up for claims
New India Assurance Claim Process
Cashless Claim:
- Get admitted to network hospital
- Show NIA health card at TPA desk
- TPA sends pre-authorization to NIA
- NIA approves (within 2-4 hours)
- Treatment proceeds cashlessly
- Pay only non-payable items
Reimbursement Claim:
- Get treatment at any hospital
- Collect all original bills and reports
- Fill claim form
- Submit to NIA office/TPA within 30 days
- Claim processed in 7-30 days
- Amount credited to bank account
Documents Required:
- Claim form (duly signed)
- Policy copy
- Original hospital bills
- Discharge summary
- Investigation reports (blood tests, X-ray, etc.)
- Doctor's prescription
- Photo ID proof
- Cancelled cheque
New India Assurance Customer Care
- Toll-Free: 1800-209-1415
- Email: customercare@newindia.co.in
- Website: www.newindia.co.in
- Claim Status: tpa.newindia.co.in
Who Should Choose New India Assurance?
Ideal For:
- ✅ Those who prefer government-backed insurance
- ✅ Small town/rural residents (better local network)
- ✅ Senior citizens looking for affordable options
- ✅ People who prioritize trust over digital experience
- ✅ Those eligible for government health schemes
Consider Private Insurers If:
- You need large cashless hospital network in metros
- You prefer no room rent sub-limits
- You want faster digital claim process
- You need very high sum insured (₹1 crore+)
Contact Sampurn Insurance
New India Assurance और अन्य बीमा योजनाओं के लिए संपर्क करें:
- Phone: +91-9425051306
- Offices: Indore & Dhamnod
- Services: New India Assurance, Star Health, Care Health, HDFC ERGO, LIC
Free Advice: हम आपकी जरूरत और बजट के अनुसार सही बीमा कंपनी और प्लान recommend करेंगे।
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