New India RAK Policy is a Personal Accident Insurance policy designed to provide financial protection against accidental death, permanent disability, partial disability, and accident-related risks. It ensures security for individuals and families during unexpected situations.

Key Highlights

• Coverage: Accidental death & disability benefits.
• Affordable Premium: Low-cost personal accident protection.
• Worldwide Coverage: 24x7 accident coverage.
• Family Security: Financial support during emergencies.

Coverage Benefits

• Accidental death compensation.
• Permanent total disability coverage.
• Permanent partial disability coverage.
• Medical expenses related to accidents.

Why Choose This Policy?

• Affordable accident protection plan.
• Suitable for individuals and families.
• Trusted support from New India Assurance.
• Financial security during emergencies.

Sixty Plus Mediclaim Policy is a senior citizen health insurance plan from New India Assurance, specially designed for individuals aged 60 years and above. It provides financial protection against hospitalization expenses and helps manage healthcare costs during retirement.

Key Highlights

• Entry Age: 60 years and above.
• Sum Insured: ₹1 Lakh to ₹10 Lakhs.
• Coverage: Hospitalization expenses including pre & post hospitalization.
• Cashless Facility: Available at network hospitals.

Coverage Benefits

• In-patient hospitalization expenses.
• Pre & post hospitalization costs.
• Day care procedures covered.
• Domiciliary hospitalization (as per policy terms).

Waiting Periods

• Initial waiting: 30 days (except accidents).
• Pre-existing diseases: 18 months.
• Specific diseases: 12 months.

Why Choose This Plan?

• Specially designed for senior citizens.
• Affordable premiums.
• Coverage for age-related health issues.
• Backed by a trusted public sector insurer.

Arogya Pragati Plus is a super top-up health insurance plan from New India Assurance, designed to provide additional financial protection when your medical expenses exceed a chosen threshold limit. It helps you enhance coverage at a lower premium compared to regular health plans.

Key Highlights

• Type: Super Top-Up Health Insurance.
• Threshold Limit: ₹5 Lakhs to ₹50 Lakhs.
• Sum Insured: Up to ₹50 Lakhs (up to 4× threshold).
• Family Floater: Covers up to 6 members.
• Entry Age: 18–65 years (children from 3 months).

Plan Variants

• Gold Plan – Standard coverage with limits.
• Platinum Plan – Higher benefits & wider coverage.

Coverage Benefits

• Hospitalization expenses beyond threshold.
• Pre & post hospitalization (30–90 days).
• Day care procedures covered.
• AYUSH treatments included.
• Modern treatments & advanced procedures.
• Ambulance expenses covered.

Special Features

• No need for base policy (optional but recommended).
• High coverage at affordable premium.
• Discounts available (family, digital, loyalty).
• No medical test up to age 55.

Waiting Periods

• Initial waiting: 30 days (except accidents).
• Specific diseases: 12–24 months.
• Pre-existing diseases: up to 36 months.

Why Choose This Plan?

• Best for increasing coverage at low cost.
• Ideal as a backup or secondary policy.
• Protects against large medical expenses.
• Flexible options for individuals & families.

Asha Kiran Policy is a unique family health insurance plan from New India Assurance, designed specifically for parents with only girl children. It provides comprehensive medical coverage along with special benefits and premium discounts for daughters.

Key Highlights

• Eligibility: Families with up to 2 dependent daughters.
• Sum Insured: ₹2 Lakhs to ₹15 Lakhs.
• Discount: 50% premium discount for girl children.
• Family Floater: Covers parents & daughters.

Coverage Benefits

• Hospitalization expenses covered.
• Pre & post hospitalization expenses.
• Critical illness benefit (10% of Sum Insured).
• Personal accident cover up to 100% of SI.
• Hospital cash benefit.
• Ambulance charges covered.
• AYUSH treatments included.

Important Features

• Room rent limit: 1% of SI per day.
• ICU limit: 2% of SI per day.
• Covers up to 226 day care procedures.
• Policy valid only in India.

Waiting Periods

• Initial waiting: 30 days (except accidents).
• Specific diseases: 24 months.
• Pre-existing diseases: 36 months.

Why Choose This Plan?

• Special plan exclusively for girl children.
• Attractive premium discounts.
• Comprehensive family coverage.
• Trusted public sector insurer.

Cancer Guard Policy is a specialized health insurance plan from New India Assurance designed exclusively to cover expenses related to cancer treatment including hospitalization, day care, and advanced therapies.

Key Highlights

• Entry Age: 3 months to 65 years.
• Sum Insured: ₹5 Lakhs to ₹50 Lakhs.
• Coverage Type: Individual policy (family can be covered separately).
• No Medical Test: Required before policy purchase.

Coverage Benefits

• In-patient, day care & outpatient cancer treatments.
• Chemotherapy, radiotherapy, surgery & organ transplant.
• Advanced treatments like immunotherapy & targeted therapy.
• Stem cell & bone marrow transplantation covered.
• Ambulance charges up to ₹3,000 per hospitalization.
• Second opinion expenses covered.
• Post-treatment follow-up expenses covered.

Special Features

• Cancer Care Benefit: 50% of SI for Stage IV diagnosis.
• Cumulative Bonus: 10% increase per claim-free year (max 50%).
• Room Rent: Single AC / Deluxe room based on SI.
• Reconstruction Surgery: Covered post cancer surgery.

Waiting Period

• Initial waiting period: 90 days.
• No coverage for pre-existing cancer.

Important Note

• Covers only cancer-related treatments.
• Non-cancer illnesses are not covered.

Why Choose This Plan?

• Dedicated coverage for cancer care.
• Includes advanced & modern treatments.
• High sum insured options.
• Affordable compared to regular high coverage plans.

Criti Protect Policy is a critical illness insurance plan from New India Assurance that provides a lump sum payout on diagnosis of specified critical illnesses. It helps manage treatment costs and income loss during recovery.

Key Highlights

• Entry Age: 18 to 65 years.
• Sum Insured: ₹5 Lakhs to ₹50 Lakhs.
• Policy Type: Benefit-based (lump sum payout).
• Coverage Options: 9 / 18 / 25 / 41 critical illnesses.
• Policy Tenure: 1, 2 or 3 years.

Coverage Benefits

• 100% Sum Insured paid on diagnosis.
• Covers major illnesses like cancer, heart attack, stroke, kidney failure, etc.
• No restriction on hospital bills usage.
• Worldwide coverage.
• Dependents (spouse, children, parents) can be covered.

Special Features

• Zero Survival Period – Claim paid immediately after diagnosis.
• No Claim Usage Restriction – Use money for treatment, EMI, or income loss.
• No Medical Test (up to certain age & limits).
• Lifelong Renewal available.

Waiting Period

• Initial waiting period: 90 days.
• Coverage starts after waiting period completion.

Important Note

• Benefit is paid only on first diagnosis.
• Policy terminates after claim payout.
• Not a replacement for regular health insurance.

Why Choose This Plan?

• Financial security against life-threatening illnesses.
• Instant lump sum support.
• Flexible plan options (9–41 diseases).
• Ideal as an add-on to health insurance.

Floater Mediclaim Policy is a family health insurance plan from New India Assurance that covers multiple family members under a single sum insured. It provides financial protection against hospitalization expenses and helps manage medical costs efficiently.

Key Highlights

• Entry Age: 18 to 65 years (children from 3 months).
• Sum Insured: ₹2 Lakhs to ₹15 Lakhs.
• Family Size: Minimum 2 to maximum 6 members.
• Coverage Type: Single sum insured shared by all members.
• Lifelong Renewal: Available.

Coverage Benefits

• Hospitalization expenses for illness & accidents.
• Pre-hospitalization (30 days) & post-hospitalization (60 days).
• Day care procedures (200+ treatments).
• AYUSH treatments (Ayurveda, Yoga, etc.).
• Organ donor expenses covered.
• Ambulance charges up to 1% of Sum Insured.

Special Features

• Cumulative Bonus: 25% increase per claim-free year (max 50%).
• Newborn Cover: Available.
• Critical Care Benefit: 10% of Sum Insured.
• Midterm Inclusion: Newly married spouse can be added.
• Hospital Cash: Daily allowance available.

Discounts

• 5% discount for 2 members.
• 10% discount for 3 members.
• 15% discount for 4 or more members.

Waiting Periods

• Initial waiting: 30 days (except accidents).
• Specific diseases: 12–24 months.
• Pre-existing diseases: up to 36 months.

Why Choose This Plan?

• One policy for entire family.
• Cost-effective compared to individual plans.
• Flexible family coverage options.
• Trusted public sector insurer.

Yuva Bharath Health Insurance Policy is an affordable health insurance plan from New India Assurance designed especially for young individuals. It provides essential hospitalization coverage along with modern treatment benefits at a low premium.

Key Highlights

• Entry Age: 18 to 40 years.
• Sum Insured: ₹2 Lakhs to ₹10 Lakhs.
• Policy Type: Individual health insurance.
• Premium: Low and affordable for young adults.
• Lifelong Renewal: Available.

Coverage Benefits

• Hospitalization expenses (illness & accidents).
• Pre & post hospitalization (30 & 60 days).
• Day care procedures covered.
• Modern treatments (robotic surgery, advanced therapies).
• AYUSH treatments included.
• Ambulance charges covered.

Special Features

• No Claim Bonus: Increase in Sum Insured for claim-free years.
• Cashless Treatment: Available at network hospitals.
• Simple Underwriting: Easy policy issuance.
• Digital Purchase: Discounts available.

Waiting Periods

• Initial waiting: 30 days (except accidents).
• Specific diseases: 12–24 months.
• Pre-existing diseases: up to 36 months.

Why Choose This Plan?

• Perfect starter health insurance for youth.
• Affordable premium with essential coverage.
• Build insurance early for long-term benefits.
• Simple and easy-to-understand plan.

Cyber Insurance Policy from New India Assurance is designed to protect individuals from financial losses arising due to cyber risks such as online fraud, phishing, identity theft, and hacking incidents. It also provides expert assistance for legal and IT recovery support.

Key Highlights

• Coverage Type: Individual cyber risk insurance.
• Sum Insured: ₹1 Lakh to ₹1 Crore.
• Policy Period: 1 year.
• Protection: Financial loss, identity theft & cyber crimes.

Coverage Benefits

• Online banking fraud & UPI fraud losses.
• Phishing & email spoofing attacks.
• Identity theft & misuse of personal data.
• Social media account hacking.
• Cyber extortion (ransomware attacks).
• Online shopping fraud protection.
• IT forensic & data recovery expenses.
• Legal expenses for cyber cases.

Special Features

• 24×7 Cyber Assistance – Immediate expert support.
• Global Coverage – Protection against worldwide cyber threats.
• Family Coverage Option available.
• Affordable Premium for high coverage.

Important Conditions

• Loss must be reported immediately to bank & authorities.
• FIR / cyber complaint may be required for claims.
• Negligence or sharing OTP/PIN may not be covered.

Why Choose This Policy?

• Essential protection in digital era.
• Covers wide range of cyber threats.
• Financial + legal + IT support.
• Peace of mind for online users.

Doctor Indemnity Insurance Policy from New India Assurance provides financial protection to medical practitioners against legal liabilities arising from professional negligence, errors, or omissions in medical services.

Key Highlights

• Who Can Apply: Doctors, surgeons, specialists & medical practitioners.
• Coverage Type: Professional indemnity insurance.
• Sum Insured: ₹1 Lakh to ₹5 Crore (or more as per requirement).
• Policy Period: 1 year (renewable).

Coverage Benefits

• Legal liability due to medical negligence.
• Errors or omissions in professional services.
• Legal defense costs (lawyer fees, court expenses).
• Compensation awarded to patients.
• Coverage for clinic/hospital staff (optional).
• Worldwide coverage (if specified).

Special Features

• Customizable Coverage – Based on specialization & risk.
• High Sum Insured Options for specialists.
• Retroactive Cover available.
• Tail Coverage option for extended protection.

Important Conditions

• Claim must arise during policy period.
• Only civil liability covered (criminal acts excluded).
• Intentional negligence or fraud not covered.

Why Choose This Policy?

• Essential protection for medical professionals.
• Safeguards financial & professional reputation.
• Covers high legal compensation risks.
• Trusted public sector insurer.

Griha Suvidha II Policy is a comprehensive home insurance plan from New India Assurance that protects your house, household contents, and valuables against risks like fire, burglary, natural disasters, and accidental damage.

Key Highlights

• Coverage Type: Home building + contents insurance.
• Sum Insured: Flexible based on property & asset value.
• Policy Period: 1 year (renewable).
• Sections: Multiple optional covers available.

Coverage Sections

• Fire & Allied Perils – Fire, lightning, explosion.
• Burglary & Theft – Loss of household contents.
• Electronic Equipment – TVs, laptops, appliances.
• Jewelry & Valuables – Gold, ornaments, precious items.
• Personal Accident – Optional cover for family members.
• Public Liability – Third-party liability cover.

Coverage Benefits

• Protection against natural disasters (flood, earthquake, cyclone).
• Accidental damage to household items.
• Burglary and housebreaking losses.
• Electrical/mechanical breakdown of appliances.
• Loss or damage to valuables.

Special Features

• Customizable Plan – Choose only needed sections.
• All-in-One Protection – Home + contents + valuables.
• Affordable Premium for comprehensive cover.
• Easy Claims Process.

Important Conditions

• Proper valuation of assets required.
• Proof of ownership may be needed during claims.
• High-value items may need separate declaration.

Why Choose This Policy?

• Complete home protection in one policy.
• Covers both structure & contents.
• Flexible and customizable.
• Peace of mind for homeowners.

Bharat Laghu Udyam Suraksha Policy is a standard fire and allied perils insurance policy designed for small and medium enterprises (MSMEs). It provides coverage for buildings, plant & machinery, stock, and other business assets against risks like fire, natural disasters, and more.

Key Highlights

• Eligibility: Businesses with total asset value up to ₹50 Crore.
• Coverage Type: Fire & allied perils insurance.
• Sum Insured: Based on total asset value.
• Policy Period: 1 year (renewable).

What is Covered?

• Building (factory, shop, office premises).
• Plant & machinery.
• Stock & raw materials.
• Furniture, fixtures & fittings.
• Electrical installations.

Covered Risks

• Fire, lightning, explosion & implosion.
• Storm, cyclone, flood & inundation.
• Earthquake & landslide.
• Riot, strike & malicious damage.
• Impact damage & accidental external damage.

Add-On Covers

• Burglary & theft cover.
• Business interruption (loss of profit).
• Debris removal expenses.
• Additional rent for alternate premises.

Special Features

• Standardized Policy across all insurers (IRDAI approved).
• Simple & Transparent Terms.
• Affordable Premium for MSMEs.
• Wide Risk Coverage.

Why Choose This Policy?

• Protects your entire business assets.
• Ideal for shops, offices & small industries.
• Ensures business continuity.
• Peace of mind for entrepreneurs.

Shopkeepers Insurance Policy is a comprehensive package policy from New India Assurance designed to protect retail shops and small businesses against multiple risks like fire, burglary, cash loss, and business interruption.

Key Highlights

• Eligibility: Retail shops, showrooms & small businesses.
• Coverage Type: Package policy with multiple sections.
• Sum Insured: Based on stock & asset value.
• Policy Period: 1 year (renewable).

Coverage Sections

• Fire & Allied Perils – Protection against fire & disasters.
• Burglary & Theft – Loss of stock & contents.
• Money Insurance – Cash in premises & transit.
• Electronic Equipment – Computers, billing machines.
• Plate Glass – Shop glass damage.
• Public Liability – Third-party injury/property damage.
• Personal Accident – Owner/staff coverage.

Coverage Benefits

• Protection against fire, flood, earthquake & riots.
• Burglary, theft & housebreaking losses.
• Cash loss due to theft or robbery.
• Damage to shop fittings & equipment.
• Compensation for third-party liabilities.

Add-On Covers

• Business interruption (loss of profit).
• Fidelity guarantee (employee fraud).
• Goods in transit cover.
• Neon sign & signage cover.

Special Features

• All-in-One Package – Multiple risks under one policy.
• Customizable Sections based on shop needs.
• Affordable Premium.
• Easy Claims Process.

Why Choose This Policy?

• Complete protection for shop owners.
• Reduces financial risk from unexpected events.
• Flexible and scalable coverage.
• Peace of mind for business continuity.

Bharat Sookshma Udyam Suraksha Policy is a standard fire and allied perils insurance policy designed for micro enterprises. It provides essential protection for business assets like building, stock, and equipment against risks such as fire, natural disasters, and other unforeseen events.

Key Highlights

• Eligibility: Businesses with asset value up to ₹5 Crore.
• Coverage Type: Fire & allied perils insurance.
• Sum Insured: Based on total asset value.
• Policy Period: 1 year (renewable).

What is Covered?

• Building (shop, office, small unit).
• Stock & raw materials.
• Furniture, fixtures & fittings.
• Plant & small machinery.
• Electrical installations.

Covered Risks

• Fire, lightning, explosion.
• Storm, cyclone, flood & inundation.
• Earthquake & landslide.
• Riot, strike & malicious damage.
• Impact damage & accidental external events.

Add-On Covers

• Burglary & theft cover.
• Business interruption (loss of income).
• Debris removal expenses.
• Additional rent for alternate premises.

Special Features

• Standardized Policy (IRDAI approved).
• Simple Documentation.
• Affordable Premium for micro businesses.
• Essential Risk Coverage.

Why Choose This Policy?

• Ideal for very small businesses & startups.
• Basic yet essential protection.
• Easy to understand & buy.
• Ensures business continuity.