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New India Assurance

Sir Dorabji Tata (from the house of TATAs) founded the New India Assurance Co. Ltd. in 1919. After its nationalization in 1973, the general insurance came under the direct purview of the Ministry of Finance, Government of India. With branches in over 28 countries, New India Assurance Co. Ltd. offers over 200 policies across various sectors like telecom, motor, health, etc.

The company’s official tagline is ‘India’s Premier General Insurance Company.’ New India Assurance has grown to become India’s largest nationalized general insurance company in terms of gross premium collection from its operations in India and abroad.

New India Assurance Co. Ltd. At A Glance

Company TypeNew India Assurance Co. Ltd.
FoundersSir Dorabji Tata
Founding YearSet up in 1919 and nationalized in 1973
Official TaglineIndia’s Premier General Insurance Company
Company TypePublic Sector General Insurance Company
HeadquartersMumbai, Maharashtra
OwnerFully owned by the Government of India
Product Range200+ Policies offered
Number of Offices2300+
Number of Employees16,000+
Operates in28 countries

Why You Should Buy New India Assurance Policies?

Here are a few reasons why you should consider New India Assurance Policies as an excellent choice for you:

  • It is a public sector insurance company
  • Rated AAA/ Stable by CRISIL
  • One of the largest nationalized general insurance company in India
  • One of the largest number of offices in India and abroad
  • Highly qualified and technically equipped staff
  • Sold almost 17 lakh policies so far
  • Dedicated claim settlement team that has a high claim turnaround time and settlement ratio
  • The company provides insurance cover for up to six family members, which includes four adults and two children
  • It is a fully owned by the Government of India
  • According to the Insurance Regulatory and Development Authority of India, the incurred claim settlement ratio of New India Assurance Health Insurance for F.Y. 2019-20 is 85.35 percent
  • Rated B++ Stable FSR Rating and bbb+ Stable ICR Outlook by AM BEST Company
  • First Indian company to receive an international agency’s rating based on its:
  • Superior capital position
  • Strong operating performance
  • Strong market position
  • Long-standing record of successful operations all over the globe

Range Of Products Offered By New India Assurance Company

The New India Assurance offers a wide range of products across several sectors.

1. New India Assurance Motor Insurance

i). Two Wheeler Insurance Policy

This policy is for motorcycles as well as scooters. The liability-only policy covers damages caused to a third person or property. The other policy, a package policy, includes damages caused due to earthquakes, floods, fire, theft, and other natural calamities. Damages caused to your two-wheeler while in transit are also covered. However, any damage caused due to wear and tear or driving without the right documents, or driving under the influence of illegal substances, is not covered by the policy. Add-ons for the policy include legal liability to employees, as well as personal accident cover for the passenger. 

ii). Private Car Insurance Policy

Since it is mandatory to have insurance for your vehicle, you can either buy the company’s liability only policy or package policy. The policy covers damage in transit, or due to fire, explosion, riots, strikes, terrorist acts, earthquakes, etc. Damage caused when driving without a license or an insurance policy, or damage due to normal wear and tear, are not covered under the policy. The policy also offers add-ons including covering damage to accessories fitted in the vehicle. 

iii). Commercial Vehicle

The company offers a liability only as well as a package policy for commercial vehicles. The liability only policy covers damage to a third party (person or property). The package policy covers damages from fire, explosion, theft, strikes or riots, terrorist acts, earthquakes, floods, etc. The policy covers third party liability and also offers add-ons such as liability for employees, accident cover for passengers, and damage to accessories fitted in the vehicle. 

iv). Standalone CPA Cover

The standalone compulsory personal accident policy is a type of motor insurance policy. This policy protects the owner and driver while getting in and out of the vehicle. This is geared towards those who own commercial vehicles and want added protection for their drivers.

2. New India Assurance Health Insurance

i). Cancer Medical Expenses (group)

This policy is an annual policy that is effective once the insured becomes a member of the Indian Cancer Society. 

ii). Jan Arogya Bima

The policy is focused on the less economically fortunate section of the country. The policy can be obtained for anyone between 5 to 70 years of age. The policy does not cover any diseases during the first 30 days of the policy, dental treatments, injury due to nuclear acts, or any form of treatment due to childbirth. 

iii). New India Asha Kiran Policy

Only parents of a girl child are eligible for this policy. And you can get coverage for two daughters. The premium is payable at a 50% discount. The policy covers ayurvedic and homoeopathy treatment, room rent and ICU charges and also offers a personal accident cover for the insured. 

iv). New India Cancer Guard Policy

Eligibility for the policy is between 3 months and 65 years of age. The insured sum can be Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 25 lakhs or Rs. 50 lakhs. The treatments covered include chemotherapy, radiotherapy, organ transplant and onco-surgery. 

v). New India Flexi Floater Mediclaim Policy

The mediclaim policy covers organ transplant, excluding the cost of the organ. The policy also covers different illnesses and injuries. Hospital, ambulance and ICU charges are covered by the policy. 

vi). New India Flexi Group Mediclaim Policy

The policy will reimburse the insured for any injury and illness and the resulting hospital stay. The plan covers operating theatre charges, surgical appliances, medication required during the hospital stay, artificial limbs as well as the cost of an organ for a transplant. 

vii). New India Mediclaim Policy

The policy can be bought by anyone between 18 to 65 years of age. With this policy, you get a free health check-up if no claim is filed for three years. Ayurvedic and homoeopathy treatments are also covered. The policy also has a newborn baby cover. 

viii). Senior Citizen Mediclaim

The senior citizen mediclaim policy covers a wide range of illnesses. Each procedure comes with a corresponding amount covered by the insurance policy. The policy also covers ICU expenses, hospital expenses and medical tests. 

ix). Standard Group Janata Mediclaim

This policy offers cover for lab tests and other diagnostic tests. The fees for specialist doctors are also covered along with coverage for hospital expenses as well. Other inclusions include ambulance services, pre and post hospitalization charges, and ayurvedic treatments. 

x). Universal Health Insurance APL

This policy covers hospital expenses for illness and injury, ICU expenses, surgical appliances, medicine required during the hospital stay. The policy provides special cover for the primary earning member of the family and disability compensation for the same family member.

3. New India Assurance Travel Insurance

i). Overseas Mediclaim (Employment And Studies)

This policy is geared towards students and employees outside of India. The policy covers medical expenses resulting from sickness or disease. For certain individuals, medical reports must be submitted along with the relevant forms to the insurance office. The first USD 100 from the claim are to be covered by the insured individual. 

ii). Overseas Mediclaim (Business And Holidays)

This policy is ideal for those who travel frequently for business. The eligibility for this policy is 6 months to 70 years of age. The policy needs to be purchased before leaving India for another destination. No pre-existing conditions are covered in this policy. Any injury and illness and resulting expenses are covered by the policy. 

iii). Suhana Safar Policy (domestic travel)

Designed specifically for domestic travel via own vehicle, water, road, air, and rail. It’s available for either a short period or up to 60 days. Typically coverage includes loss of baggage, personal accident, etc.

iv). Rasta Apatti Kavach (Road Safety Insurance)

Coverage is provided for injuries or accidents that you sustain while driving your motor vehicle on the road. This policy covers permanent disablement or death and personal accident cover.

4. New India Assurance Personal Accident Insurance

i). Good Health Personal Accident

This policy offers protection against personal accidents and the resulting injury, temporary disability or permanent disability. 

ii). Personal Accident (FC)

This policy is geared towards individuals who can obtain the policy for protection against injuries sustained from a third party. 

iii). PM Kaushik Vikas Yojana

The policy is a personal accident policy offered to the candidates certified through the National Skill Development Corporation. 

iv). PM Suraksha Bima Yojana

The government backed personal accident policy is for citizens between 18 to 70 years of age and has a nominal premium amount auto deducted each month. 

v). Two year GH Personal Accident

The two year insurance policy covers personal accidents and offers compensation to the insured in terms of injury or disability.

5. New India Assurance Liability insurance

i). Clinical Trials Liability

This policy covers any claims that occur from intentional or unintentional harm caused to a subject during clinical trials. The policy covers personal damage, material damage and data breach. 

ii). Crime Insurance

A crime insurance policy covers damage to a company due to fraud, theft or forgery, among other events. Legal expenses are not covered in this policy. 

iii). Cyber Insurance

This policy refers to coverage offered in case of a data breach in the company’s security or data systems. 

iv). Employees Compensation

The policy is to show employees that their employer can fulfill their obligation. Under this policy, employees are compensated for any injury or disability while at work. 

v). Employees Compensation 2009

This policy states the amount of compensation for employees based on their monthly wages that need to be paid by the employer. 

vi). Eproduct for Doctors Indemnity

The policy is for doctors specifically. The policy covers any claims made by patients about the doctor’s negligence or any negligence from their teams. 

vii). IT Errors, Omissions Liability

This is a type of professional liability. The policy covers any negligence claims made against a company by a client. 

viii). Nuclear Operators Liability

This policy focuses on third party liability for nuclear operators. The operators of a nuclear plan are responsible for the damage caused while working and hence, this policy is for them. 

ix). Nuclear Supplier

Most common liability policies specifically do not cover nuclear incidents. This is a policy geared specifically towards liability arising from such incidents. 

x). Product Recall, Guarantee, Loss

This policy covers all costs related to product recall and the compensation resulting from the same. The costs associated with such an incident include shipping cost, warehouse cost, replacement costs etc.

xi). Prospectus Liability

This policy is specifically geared towards any breach of the securities law and the resulting claims made by the company.

xii). Public Liability (NI)

This particular policy is for companies. The policy covers claims made by the public against the company in terms of third party damage to a person or property. 

xiii). Title Insurance

The title insurance policy offers protection against property ownership risks. The policy is aimed at homeowners.

6. New India Assurance Rural Insurance

  • Brakish Water Prawn Insurance
  • Calf Heifer Insurance
  • Eproduct for Pedal Cycle
  • E_Animal Driven Cart Insurance
  • Farmers Asset Insurance
  • Failed Well
  • Pump Set Insurance (Group)
  • Jan Suraksha Laghu Bima Policy
  • Master Policy Insurance
  • Animal Driven Cart Insurance
  • Camel Insurance
  • Cattle Insurance
  • Dog Insurance
  • Duck Insurance
  • Elephant Insurance
  • Epidemic Poultry Insurance
  • Eproduct for Laghu Bima Cattle
  • Eproduct for Laghu Bima Health
  • Eproduct for Laghu Bima Hut
  • Eproduct for Laghu Bima Personal Accident
  • Farmers Package Insurance
  • Floriculture Insurance
  • Gobar Gas Insurance
  • Group Gramin Insurance
  • Group Janta Insurance
  • Honeybee
  • Horse Donkey Pony Mule Insurance
  • Horticulture / Plantation
  • Hut Insurance
  • Inland Fish Insurance
  • Janata Personal Accident
  • Kisan Credit Card Yojana
  • Lift Irrigation
  • MIP11-AnimalDriven SukshmaBima
  • MIP12 – Lift Irrigation Bima
  • MIP18-PoultrySukshmaBimaPolicy
  • MIP4-HorsDonkPoN Sukshma Bima
  • Pedal Cycle Insurance
  • Personal Gramin Insurance
  • Personal Janta Insurance
  • Pig Insurance
  • Poultry Insurance
  • Pump Set Insurance
  • Rabbit Insurance Scheme
  • Raj Rajeshwari Mahila Kalyan Yojana
  • Rural Agricultural Implements
  • Seeds Fertilizers Pesticides
  • Sheep and Goat
  • Sheep and Goat Sukshma Bima
  • Silkworm
  • Unborn Calf Bima
  • Zoo And Circus Animal Insurance Scheme

7. New India Assurance Marine Insurance

  • Increased Value Policy
  • E product Specific Voyage
  • Open Policy
  • ALOP Insurance
  • Annual Policy
  • Annual TurnOver Policy
  • Open Cover Certificate
  • Duty Insurance
  • Sellers Interest Insurance
  • Specific Voyage
  • Charters Liability
  • Hull & Machinery
  • Marine Builders Risk
  • Marine Hull – War Risk
  • Marine Ship Repairs Liability
  • Offshore Energy Policy
  • Open Cover Agreement
  • Port Package Policy
  • Ship Breaking Insurance
  • Tea Crop Insurance
  • Voyage Insurance

8. New India Assurance Other Insurance Plans

  • PM Fasal Bima Yojana
  • Restructured Weather Based CIS
  • Credit Shield Domestic
  • Credit Shield Export
  • E_Flight_Coupon
  • E_Flight_Coupon_Baggage
  • Bankers Indemnity Bond
  • Burglary Declaration
  • Citi Bank Travel Package
  • eProduct for TV Insurance
  • Event Cancellation
  • Exhibition Insurance
  • Extended Warranty Insurance
  • Airline Hull War
  • Aviation – Loss of License
  • Awaiting Breakup and Beaching
  • Protection and Indemnity Cover

9. New India Assurance Fire Insurance

  • Bharat Sookshma Udyam Suraksha
  • Business Interruption
  • Fire Floater
  • Fire Floater Declaration
  • Fire Large Risk
  • Industrial All Risk
  • New India Bharat Griha Raksha
  • New India Bharat Laghu Udyam Suraksha
  • Petrochemical

10. New India Assurance Miscellaneous Insurance

  • Advance Loss Of Profit Ins
  • Airline Hull Deductible Ins
  • Airline Hull Spares Liability
  • Airline Hull War Excess Liab
  • Aviation – Hull All Risk
  • Aviation – Hull Deductible
  • Aviation – Hull War Risk
  • Aviation – Personal Accident
  • Aviation for Spares All Risk
  • Aviation Liability Insurance
  • Aviation LOL (Group Named)
  • Aviation PA (Group Named)
  • Baggage Insurance
  • Bankers Indemnity
  • Bhagyashree Insurance
  • Burglary Insurance
  • Carriers Couriers Legal
  • Contractor All Risks Insurance
  • Contractors Plant & Machinery
  • Directors & Officers liability
  • Electronic Equipment Insurance
  • Fidelity Guarantee Insurance
  • Fire Declaration
  • Good Health Mediclaim
  • House Holder
  • Householders Insurance
  • Janata PA Sukshma Bima Policy
  • Jewellers Block Insurance
  • Large Risk Project Insurance
  • Liability Insurance Act Policy
  • Loss of Profit Insurance (MB)
  • Machinery Insurance
  • Marine Cum Erection Insurance
  • MIP2 – Cattle Sukshma Bima
  • MIP5-Pig Sukshma Bima
  • MIP6- Camel Sukshma Bima
  • Money Insurance
  • Neon Sign Insurance
  • New India Griha Suvidha Policy
  • Office Protection
  • Office Protection Shield
  • Other Misc Non Liab Policies
  • Other Misc Non Liab Products
  • Package Liability
  • Package Policy
  • Personal Accident
  • Personal Accident (Death & PTD)
  • Plate Glass Insurance
  • Portable Equipment Insurance
  • Pravasi Bhartiya Bima Yojana
  • Product Liability
  • Professional Indemnity
  • Public Liability – Industrial
  • Raasta Aapatti Kavach Policy
  • Shop Keeper
  • Shopkeepers Insurance
  • Special Contingency Insurance
  • Stand Alone Terrorism
  • Standard Fire and Special Perils
  • Stock Broker Indemnity
  • Students Safety
  • Students Safety Package
  • Personal Accident (Death & PTD)
  • Office Protection
  • House Holder
  • Shop Keeper
  • Raasta Aapatti Kavach Policy
  • Loss of Profit Insurance (MB)
  • Machinery Insurance
  • Marine Cum Erection Insurance
  • Fire Declaration
  • Stand Alone Terrorism

11. New India Assurance Engineering Insurance

  • ​​Boiler & Pressure Plant Ins
  • Civil Engg Completed Risks Ins
  • Contractors Plant And Mach(FL)
  • Deterioration Of Stocks
  • Electronic Equipment Insur(FL)
  • Eng Stand Alone Terrorism
  • Erection All Risks Insurance
  • Loss of Profit Insurance (WP)
  • Windmill Package Insurance

How To Purchase New India Assurance Insurance Policy?

Purchasing a New India Assurance Policy is easy to understand process. All the information for the policies is available online. 

  1. Log onto the New India Assurance website
  2. On the homepage, look for the icons of the policy you need and click on them
  3. Here you can either choose the option to ‘get quote’ or ‘buy online’ 
  4. If you choose ‘buy online,’ then in the next step you must select the product you like
  5. Once you do, you have to follow the steps on the screen until the final step. 
  6. Make payment online 
  7. You are now insured!

Alternatively, you can call the helpline on 1800-209-1415 and ask the customer support executive about the offline procedure. The other option is to choose the ‘call me’ button on the top left hand of the homepage and enter your contact details and a preferred time so they can call you.

How To Renew New India Assurance Insurance Policy?

Renewing your old policy with us is easy and hassle-free. Follow these simple steps:

  1. Go to the New India Assurance website
  2. On the ‘quick help’ tab click on ‘quick renewal’
  3. Enter your Customer ID and policy number/ renewal quote number
  4. The next screen will show all your policy details
  5. Click save the quote to proceed
  6. Pay with a credit card, debit card or net banking
  7. Once payment is completed successfully, your policy will be renewed.

How To File Claims New India Assurance Insurance Policy?

Though the documentation required while filing claims differs based on the type of policy, the rest of the process is pretty straightforward. To file your insurance claims with us:

  1. Inform your insurance agent or insurance company immediately
  2. If required, file an FIR with the police
  3. Go to the New India Assurance Website and check the type of documentation you need to file your claim
  4. Submit all the documentation to your insurance agent or to the nearest insurance office
  5. If required, the company will send an assessor to check the damage or conduct an investigation
  6. If the claim is approved, payment will be made based on the terms of your policy.

Frequently Asked Questions

Checking the policy status with New India Assurance is straightforward and simple. You need to:

  • Log in to the New India Assurance’s website
  • Enter the user ID and password
  • Click on the portal to check the status of your policy

You will get the details that you need.

You can cancel your insurance with New India Assurance any time you want. To cancel your policy during the free-look period, you need to submit the original policy documents along with the surrender form at the nearest branch of New India Assurance. If you haven’t made any claims on the policy, you cancel the policy any time during the policy period.

Deciding on the amount of coverage you should take on your policy can be very crucial. To insure any asset or property, you must cover at least up to the value of the asset based on market value or reinstatement value. If you do not consider this value, you will have to pay the remaining balance amount from your side.