Life is full of
uncertainties. Being prepared for everything that life throws at you is
important. That is why insurance plans from New India Assurance are ones that
you should seriously consider in today’s uncertain health and life scenario.
New India Assurance
New India Assurance is an insurance group based out of Mumbai, India. It is a
government-owned group that offers several insurance plans under different
insurance spheres. You can bank on New India for a reliable insurance plan.
They are not limited to one or two insurance plans but have diversified into
all sectors of insurance.
Different products Offered
● Personal Insurance
● Health Insurance
● Commercial Insurance
● Industrial Insurance
● Liability Insurance
● Social Insurance
Health Insurance Policies
Floater Mediclaim Insurance
|
Minimum Entry Age
|
18 years
|
|
Maximum Entry Age
|
60 years
|
|
Minimum Sum Assured
|
2 lacs
|
|
Maximum Sum Assured
|
5 lacs
|
Why should you buy Floater Mediclaim
Insurance?
Policy supports
claim renewal, is for entire family and is backed by the trust and reliability
of government
Features
● Floater plan for family
● Expenses covered up to 30 days of
pre-hospitalization
● Coverage up to 60 days post
hospitalization
Benefits
● Tax Benefits
● Renewal without claim
● Discounts offered such as loyalty and
good health
Eligibility
● Coverage from the minimum age of 18
years to a maximum age of 60 years.
Inclusions
● Spouse and two dependents
Exclusions
● Dental procedures
● Cosmetic procedures
● STD
● Plastic surgery
Asha Kiran Insurance
|
Minimum Entry
|
18 years
of age
|
|
Maximum Entry Age
|
65 years
|
|
Sum Assured
|
2, 3, 5
and 8 lacs options
|
Why should you buy Asha Kiran
Insurance?
Policy supports
claim renewal, a family plan and is backed by the trust and reliability of
government
Features
● Floater plan for family
● Coverage for up to 4 family members
Benefits
● Tax Benefits
● Critical care in case of Cancer, heart
attack, etc
Eligibility
● Coverage is available from the minimum
age of 18 years to a maximum age of 65 years.
Inclusions
● Up to 4 family members
Exclusions
● Pre-existing ailments
● Diabetes
● Cataract
Claims process
1.
The claim
is to be registered latest after 7 days of discharge from the hospital
2.
The claims
form needs to be filled and submitted along with a Xerox of an ID proof
3.
The
doctor’s medical certificate and the reports need to be submitted along with
all the other necessary documents.
4.
Submission
of original Reports and summary of discharge is required.
Reimbursement:
Procedure in order to file claims:
Below is the
process for the same
●
Intimate
the insurance provider immediately post hospitalization.
●
Make sure
your bills, and reports are in place as New India Assurance will need them.
●
Next step
is to submit the claims form to the policy provider.
Documents Needed: In the
event, that New India Assurance turns down the cash-free claim, you can file
for the reimbursement option. Below is a list of necessary documents so that
you have your ducks in a row before furnishing the documents to the Insurance
Group.
●
The claim
form bearing relevant details and
necessary signatures
●
Hospital’s
original issued bills bearing stamps
●
Patient’s
discharge report is very important.
●
All
reports and lab test diagnosis sheets
●
Not all
hospitals are a part of the insurance group’s network. In such an event, you
need to provide all relevant and associated hospital details.
Commercial Insurance
Shopkeeper’s Policy
|
Ideal for
|
Shopkeepers
|
|
Content Value
|
Up till
10 lacs
|
Why should you buy Shopkeeper’s Policy?
Policy ideal for
small-scale shopkeepers and is backed by the trust and reliability of
government
Features
● Loss of money in transit
● Damage to Neon Sign by Fire, lightning,
riot, strike
● Burglary
Eligibility
● Small-scale shopkeepers
Exclusions
● Restaurants
● Tea/Coffee shops
Claim Process
1. Take precautions to reduce burglaries
2. In the event of a fire, call fire
brigade as soon as you can.
3. Inform cops in case of fire, burglary
and be sure to report stolen valuables
4. Inform New India by calling or by fax
or in writing.
5. New India will appoint a surveyor.
Provide co-operation and all needed documents to evaluate the loss. Kindly
submit claims form.
You may like to read: The New India Assurance Advantage
In agreement with a recent Government
initiative, The New India Assurance Co. Ltd. is offering 10% digital discount
to all new policies purchased online.
The discount is capped at Rs.2000 for
every policy!
