New India Assurance Agency

AS Digital provides general insurance under New India Assurance.New India Assurance Company is a 100 percent government-owned multinational general insurance company operating in 22 countries. Founded by Sir Dorabji Tata in 1919.For general insurance product, you can contact our office in prakkanam

Insurance Product

AS Digital provides general insurance under New India Assurance Insurance.New India Assurance provides both health insurance policies and General insurance with there wide range of product collection.For general insurance product, you can contact our office in prakkanam

Key Features and Benefits:

Cashless Repairs: Access to a wide network of cashless garages across India.
No-Claim Bonus (NCB): Enjoy discounts on premiums for not making any claims during the policy period.
24/7 Customer Support: Assistance with claims and other policy-related services.
Hassle-Free Claim Settlement: New India Assurance is known for its swift and easy claim settlement process.

Motor Vehicle Insurance

1. Private Car Insurance

This policy is designed for private cars and provides coverage against damage to the vehicle as well as third-party liability.

Features:

Comprehensive Cover: Protects against theft, accident damage, fire, and natural calamities like floods, earthquakes, etc.
Third-Party Liability: Covers damages or injury to third parties caused by the insured vehicle.
Personal Accident Cover: Offers personal accident coverage for the owner/driver.
Add-ons: Zero depreciation, engine protection, roadside assistance, etc.
No Claim Bonus (NCB): Discounts on the premium for every claim-free year.

2. Two-Wheeler Insurance

This policy is for motorcycles and scooters, offering both comprehensive and third-party liability options.

Features:

Comprehensive Coverage: Protects the bike/scooter against theft, damage due to accidents, fire, and natural calamities.
Third-Party Liability: Coverage for third-party damage or injury.
Personal Accident Cover: For the owner/driver.
Add-ons: Roadside assistance, zero depreciation, etc.
No Claim Bonus (NCB): Discount on the premium for claim-free years.

3. Commercial Vehicle Insurance

This policy covers vehicles used for business purposes, such as trucks, taxis, buses, and other commercial transport vehicles.

Features:

Own Damage Cover: Protects against accidents, theft, fire, and natural calamities.
Third-Party Liability: Covers legal liabilities for third-party injury or property damage.
Personal Accident Cover: For the owner/driver.
Optional Add-ons: Engine protection, zero depreciation, etc.

4. Standalone Own Damage Cover

This policy is designed for vehicle owners who already have a third-party liability policy but wish to enhance coverage for their own vehicle’s damages.

Features:

Coverage for damages caused to your vehicle in accidents, theft, fire, and natural disasters.
Available for both two-wheelers and private cars.

5. Third-Party Liability Insurance

This is a mandatory policy under the Motor Vehicles Act in India, providing coverage against any legal liabilities due to third-party injury, death, or property damage.

Features:

Mandatory by law for all vehicles.
Covers third-party liabilities, not the vehicle’s own damage.For general insurance product, you can contact our office in prakkanam

Health Insurance

New India Mediclaim Policy

Eligibility: 18 to 65 years for adults, 3 months to 18 years for children (if parents are covered)
Sum Insured: Ranges from ₹1 lakh to ₹15 lakhs
Coverage:
- Hospitalization expenses, including room rent, ICU charges, doctor’s fees, etc.
- Pre-hospitalization (30 days) and post-hospitalization (60 days)
- Domiciliary hospitalization
- AYUSH treatments (Ayurveda, Unani, Siddha, and Homeopathy)
- Daycare procedures

2. New India Arogya Sanjeevani Policy

Eligibility: 18 to 65 years for adults
Sum Insured: ₹1 lakh to ₹5 lakhs
Coverage:
- Hospitalization (including room rent, ICU, doctor’s fees)
- Pre-hospitalization (30 days) and post-hospitalization (60 days)
- Treatment of COVID-19
- Cataract treatment (with limits)
- AYUSH treatments
- 5% cumulative bonus for every claim-free year

3. Senior Citizen Mediclaim Policy

Eligibility: 60 to 80 years (renewable up to 90 years)
Sum Insured: ₹1 lakh to ₹1.5 lakhs
Coverage:
- Hospitalization expenses
- Domiciliary treatment
- Pre-existing disease cover after 18 months
- Pre-hospitalization (30 days) and post-hospitalization (60 days)
- Cover for certain critical illnesses

4. Family Floater Mediclaim Policy

Eligibility: 18 to 65 years for adults, 3 months to 18 years for children (if parents are covered)
Sum Insured: ₹2 lakhs to ₹10 lakhs
Coverage:
- Comprehensive hospitalization coverage for all family members under one policy
- Pre and post-hospitalization
- AYUSH treatment
- Daycare procedures
- Maternity benefits (optional add-on)

5. Top-up Mediclaim Policy

Eligibility: 18 to 65 years
Sum Insured: ₹5 lakhs to ₹22 lakhs with deductible options from ₹2 lakhs to ₹8 lakhs
Coverage:
- Provides additional coverage once a deductible is exhausted
- Covers hospitalization expenses above the threshold (deductible)
- Suitable for those who want extra protection beyond their basic health insurance coverage

6. Critical Illness Policy

Eligibility: 18 to 65 years
Sum Insured: ₹1 lakh to ₹50 lakhs
Coverage:
- Covers treatment costs for specific critical illnesses such as cancer, heart attack, kidney failure, stroke, etc.
- Lump-sum payout on diagnosis of listed critical illnesses
- Offers financial protection for high-cost medical treatments.For general insurance product, you can contact our office in prakkanam

Travel Insurance

Overseas Mediclaim Policy

This policy is designed for individuals traveling abroad, offering financial protection against medical and non-medical emergencies.

Key Features:

Medical Coverage: Includes expenses for hospitalization, medical treatment, and surgery due to illness or accident while abroad.
Emergency Medical Evacuation: Covers the cost of emergency medical evacuation to the home country or nearest hospital.
Repatriation of Mortal Remains: Pays for the return of mortal remains in case of death abroad.
Personal Accident: Provides compensation in case of accidental death or permanent disability.
Loss of Passport: Covers the cost of obtaining a duplicate passport.
Trip Delay/Cancellation: Covers losses due to trip delays or cancellations for reasons like strikes, weather conditions, or illness.
Loss of Baggage: Compensation for loss of checked-in baggage.
Personal Liability: Covers legal expenses arising from third-party injury or property damage.

Types of Plans:

Business & Holiday: Suitable for individuals traveling for business or leisure.
Employment and Study: Designed for individuals going abroad for employment or higher education.
Corporate Frequent Traveler: Offers extended coverage for frequent corporate travelers.

2. Domestic Travel Insurance

For those traveling within India, New India Assurance provides domestic travel insurance plans offering protection against travel-related risks such as accidents, baggage loss, and trip cancellations.

Key Features:

Accidental Death and Disability: Provides compensation in case of accidental death or permanent disability during the trip.
Medical Expenses: Covers hospitalization and medical expenses due to accidents or illness.
Baggage Loss: Covers loss or damage to checked-in baggage.
Trip Cancellation/Interruption: Compensation for financial losses due to trip cancellation or interruption.

3. Senior Citizen Travel Insurance

This policy is specially designed for senior citizens above 60 years of age traveling abroad.

Key Features:

Medical Emergencies: Includes hospitalization, surgery, and treatment costs.
Pre-Existing Illnesses: Limited coverage for pre-existing medical conditions.
Cashless Hospitalization: Network hospitals provide cashless medical services.For general insurance product, you can contact our office in prakkanam

All Products

Health Insurance

New India Mediclaim Policy: Provides coverage for hospitalization expenses, pre- and post-hospitalization, and day-care procedures.
Arogya Sanjeevani Policy: A standardized health insurance policy covering basic healthcare needs, including hospitalization, AYUSH treatments, and ambulance charges.
Senior Citizen Mediclaim Policy: Designed for individuals between 60 to 80 years of age, offering coverage for pre-existing diseases after a waiting period.
New India Cancer Guard Policy: Specialized insurance that covers the cost of cancer treatment, including hospitalization and chemotherapy.

2. Motor Insurance

Private Car Insurance: Covers damages to the insured vehicle, third-party liabilities, and offers add-ons like zero depreciation, engine protection, etc.
Two-Wheeler Insurance: Provides comprehensive coverage against damages to the bike and third-party liability.
Commercial Vehicle Insurance: Covers vehicles used for commercial purposes, providing protection against damages, third-party liability, and add-ons.

3. Travel Insurance

Overseas Mediclaim Policy: Provides coverage for medical emergencies during international travel, loss of baggage, trip cancellation, and delay.
Domestic Travel Insurance: Covers unexpected incidents like hospitalization, personal accidents, and trip delays within India.

4. Home Insurance

Householders’ Policy: Covers damage to the home and contents against risks like fire, burglary, earthquakes, and more.
Griha Suvidha Policy: A comprehensive home insurance policy that provides coverage for both the structure and contents of the home.
Home Insurance – Bharat Griha Raksha: Provides coverage for home structures and personal belongings against unforeseen events like fire, natural calamities, and theft.

5. Personal Accident Insurance

Personal Accident Policy: Covers accidental death, permanent total or partial disability, and temporary total disability.
Group Personal Accident Policy: Provides coverage for a group of individuals, such as employees, covering accidental death and disabilities.

6. Fire Insurance

Standard Fire and Special Perils Policy: Covers damages to property due to fire, lightning, explosions, and other perils such as natural calamities and riots.
Industrial All Risk Policy: Comprehensive coverage for large industries covering fire, machinery breakdown, and business interruption.
Office Protection Shield: Customized for office premises, it covers fire, burglary, and electronic equipment damages.

7. Marine Insurance

Marine Cargo Insurance: Covers goods during transit by sea, air, or land, protecting against damage or loss.
Marine Hull Insurance: Provides coverage for ships and vessels, including machinery and equipment onboard.

8. Liability Insurance

Public Liability Insurance: Covers legal liabilities arising from third-party bodily injury or property damage.
Directors & Officers Liability Insurance: Protects directors and officers from personal liabilities arising out of managerial decisions.
Professional Indemnity Insurance: Covers liabilities arising from errors and omissions in professional services for doctors, lawyers, etc.

9. Miscellaneous Insurance

Shopkeeper’s Policy: Tailored for small business owners, it covers property damage, theft, and personal accident.
Jewellers Block Insurance: Comprehensive coverage for jewelers, protecting their stock, machinery, and other assets against loss or damage.
Burglary Insurance: Covers loss or damage to property due to burglary or attempted burglary.

10. Agriculture Insurance

Crop Insurance: Coverage for farmers against crop loss due to natural calamities like drought, floods, pests, and diseases under schemes like Pradhan Mantri Fasal Bima Yojana (PMFBY).
Cattle Insurance: Provides coverage for livestock against death or permanent disability due to accident or diseases.For general insurance product, you can contact our office in prakkanam

Miscellaneous

Liability Insurance

Public Liability Insurance: Protects businesses against legal liabilities due to accidental injuries or property damage caused to third parties during business operations.
Product Liability Insurance: Covers liabilities arising from defects in products that result in damage or injury to third parties.
Professional Indemnity Insurance: Designed for professionals (doctors, engineers, architects, etc.) to cover legal liabilities arising from professional errors or omissions.

2. Personal Accident Insurance

Covers accidental death, permanent total or partial disability, and temporary total disability. This insurance is available for individuals and groups.
Can be customized based on specific needs, offering different coverage amounts and policy terms.

3. Health Insurance (Miscellaneous Health Plans)

Family Floater Health Insurance: Covers hospitalization expenses for the entire family under a single sum insured.
Critical Illness Plans: Offers a lump sum payment on diagnosis of critical illnesses like cancer, heart attack, or kidney failure.
Senior Citizen Health Plans: Tailored for individuals over 60, covering medical expenses related to age-specific health risks.

4. Burglary and Housebreaking Insurance

Protects property against losses from burglary and housebreaking incidents, including damage caused by the thieves.

5. Fidelity Guarantee Insurance

Covers losses incurred due to fraud or dishonest acts by employees, providing businesses protection from potential financial damage.

6. Travel Insurance

Offers coverage for medical expenses, trip cancellations, baggage loss, and other unforeseen incidents during domestic or international travel.

7. Engineering Insurance

Contractor’s All Risk Insurance: Provides coverage for civil construction projects against physical damage or loss during construction.
Machinery Breakdown Insurance: Covers sudden and accidental breakdowns of machinery.
Erection All Risk (EAR) Insurance: Covers engineering projects during installation and commissioning of equipment.

8. Marine Insurance

Marine Cargo Insurance: Protects goods in transit (by sea, air, or land) from risks like fire, theft, collision, or natural disasters.
Marine Hull Insurance: Covers physical damage to ships, boats, and other watercraft.

9. Shopkeeper’s Insurance

Designed specifically for shop owners, covering various risks such as fire, burglary, and natural disasters affecting the business premises.

10. Householder’s Insurance

Comprehensive policy for homeowners, covering risks like fire, theft, and accidental damage to home and its contents.For general insurance product, you can contact our office in prakkanam

Why do I need a motor vehicle insurance policy?

A motor vehicle insurance policy, also known as vehicle insurance, is to protects you and your vehicle financially in the event of an accident, theft, or other damage

Frequently asked questions

What types of insurance policies does New India Assurance offer?

Health Insurance, Motor Insurance, Travel Insurance, Home Insurance, Personal Accident Insurance, Corporate Insurance, Rural and Agricultural Insurance, Miscellaneous Insurance

What kind of support do you offer?

New India Assurance (NIA) offers a wide range of insurance products and services to support individuals, businesses, and other entities

Does New India Insurance cover 100 percent Claim on motor insurance?

New India Assurance, like many insurance providers, does not typically cover 100% of the claim amount in standard motor insurance policies.But you can add some add-ons, such as Zero Depreciation and Engine Protection Cover Allow for near-100% claim amounts by covering depreciation and additional damages. Adding these to the base policy provides more extensive coverage, leading to minimal out-of-pocket costs in the event of a claim.

How do I file a claim with New India Assurance?

Report the claim to New India Assurance by calling their customer service or visiting a branch.Submit necessary documents (policy documents, claim form, medical reports). Complete formalities with a surveyor (for motor or property claims). Once the documents and formalities are complete, the claim is processed and settled.

Do third-party Insurance cover my vehicle?

Third-party insurance generally does not cover damage to your own vehicle. This type of policy is designed primarily to cover liability for damages or injuries you may cause to others in an accident.Your own vehicle damage: Third-party insurance does not cover repairs to your own vehicle, even if you are responsible for the accident. Personal injury: If you are injured in an accident, third-party insurance usually doesn’t cover your medical bills.

how much claim do we get after 5 years on vehicle from new india insurance?

The claim amount you receive on vehicle insurance after five years depends on several factors, including the type of policy, the extent of damage, claim history, and any specific coverage options like No-Claim Bonus (NCB) protection.No-Claim Bonus (NCB): If you haven't made any claims for five consecutive years, you’ll likely accumulate a substantial NCB, which can reduce your premium on future policies by 20–50%. This doesn’t directly increase the claim payout but saves you on premiums. Depreciation and Age of the Car: The depreciation rate of the vehicle increases with time. After five years, insurance policies typically cover 50% or less of parts like tires, batteries, and plastic parts due to wear and tear. Comprehensive or Third-Party Insurance: If you have comprehensive insurance, it covers damage to your own vehicle as well as third-party liabilities. The payout will be based on the car's insured declared value (IDV), which decreases each year. Claim Limits and Deductibles: Most policies have claim limits, and deductibles affect the amount you can claim. A deductible is the portion of the repair cost you agree to pay, which can reduce the amount of the claim.

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