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New India Assurance · NIAHLIP25039V102425

New India Assurance Floater Mediclaim Policy

New India Assurance Floater Mediclaim Policy (IRDAI UIN NIAHLIP25039V102425) is a family floater health insurance plan with sum insured from 2 lakh to 5 crore (13 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

New India Assurance Floater Mediclaim Policy is a health insurance plan from New India Assurance. Key specifications: plan type Family floater, room rent 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L), pre-existing disease waiting 36 months. Among health insurance here it fits best for high sum insured available.

Premium depends on your profile
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Plan type
Family floater
Room rent
1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L)
Pre-existing disease waiting
36 months

Pros

  • Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it

Cons

  • Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)
  • Co-payment: 20% if insured from Zone 2 is treated in Zone 1; none otherwise
  • Room rent capped: 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L)

Who should buy it

  • Best for High sum insured available · What matters most? (pick any) #2 of 53 health insurance for this

Who should avoid it

  • Not ideal for Longer pre- and post-hospital cover · What matters most? (pick any) #43 of 53

Full specifications

Cover

Plan type Family floater
Sum insured options 2 lakh, 3 lakh, 5 lakh, 8 lakh, 10 lakh, 12 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore, 5 crore
Highest sum insured 500 lakh
Entry age 3 months to 65 years
Room rent 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L)
Co-payment 20% if insured from Zone 2 is treated in Zone 1; none otherwise

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months

Benefits

Pre-hospitalisation 30 days
Post-hospitalisation 60 days
Day-care treatment Yes
AYUSH treatment Yes
No-claim bonus 25% at each claim-free renewal; limit 25%/50% (Basic Plan) or 25%-100% (Uplift Plan); reduced at same rate on claim

Insurer

Health incurred claim ratio (insurer) 100.98%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
IRDAI UIN NIAHLIP25039V102425

About the Floater Mediclaim Policy

New India Assurance Floater Mediclaim Policy (IRDAI UIN NIAHLIP25039V102425) is a family floater health insurance plan with sum insured from 2 lakh to 5 crore (13 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from New India Assurance.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Family floater
  • Sum insured options: 2 lakh, 3 lakh, 5 lakh, 8 lakh, 10 lakh, 12 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore, 5 crore
  • Entry age: 3 months to 65 years
  • Room rent: 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L)
  • Co-payment: 20% if insured from Zone 2 is treated in Zone 1; none otherwise

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years

Benefits

  • Pre-hospitalisation: 30 days
  • Post-hospitalisation: 60 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • No-claim bonus: 25% at each claim-free renewal; limit 25%/50% (Basic Plan) or 25%-100% (Uplift Plan); reduced at same rate on claim

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 42 have a longer one and 6 have the same.

Premium

It depends on your age, cover, city and options. New India Assurance does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

New India Assurance's health incurred claim ratio was 100.98% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid.

Similar plans from other insurers

Other health insurance plans from New India Assurance

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Floater Mediclaim Policy

All health insurance →
  • Individual and family floater Plan type
  • SI 3 Lac to 10 Lac: Single Pvt AC Room; above 10 Lacs SI: Actuals (other options selectable) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Care Health

Care

  • Individual and family floater Plan type
  • Rs 5/7/10 lakh (Care 4): Single Private Room; Rs 15-40 lakh and above: Single Private Room upgradable to next level if not available; Rs 1-4 lakh: up to 1% of SI per day Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹21,061 a year*

IndusInd General

HealthGain

  • Individual and family floater Plan type
  • Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Tata AIG

MediCare Select

  • Individual and family floater Plan type
  • Single Private Room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

Similar health insurance plans

New India Assurance

Arogya Sanjeevani Policy

  • Individual and family floater Plan type
  • 2% of sum insured subject to maximum of Rs.5000/- per day Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹8,836 a year*

New India Assurance

Mediclaim Policy

  • Individual Plan type
  • 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L) Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹11,479 a year*

Head to head

Compare the Floater Mediclaim Policy

Questions

Floater Mediclaim Policy FAQs

It depends on your age, cover, city and options. New India Assurance does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

NIAHLIP25039V102425. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L).

Co-payment as stated by the insurer: 20% if insured from Zone 2 is treated in Zone 1; none otherwise.

30 days before and 60 days after hospitalisation.

2 lakh, 3 lakh, 5 lakh, 8 lakh, 10 lakh, 12 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore, 5 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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