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New India Yuva Bharat Health Policy (Complete Details)

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New India Yuva Bharat Health Policy (Complete Details)

New India Assurance Yuva Bharat Health Policy by New India Assurance aims to provide affordable and accessible healthcare to India’s youth. From covering injuries arising from adventurous sports to maternity expenses. Yuva Bharat Health Policy is an affordable healthcare plan for young people that provides access to quality healthcare without worrying about financial burden. In this article, we will talk about the following:

 

  • About the Plan
  • Benefits of Yuva Bharat Health Policy
  • Key Features of Yuva Bharat Health Policy
  • Exclusions under Yuva Bharat Health Policy
  • Premium Chart of Yuva Bharat Health Policy

About the Plan

Yuva Bharat Health Policy by New India Assurance is an extensive health insurance policy for young people between the ages of 18 and 45. This policy offers coverage for hospitalisation expenses, pre- and post-hospitalisation costs, AYUSH, and advanced treatments arising out of any illnesses or accidents.

This plan also covers maternity expenses, road ambulance charges, injuries due to adventurous sports, and much more. The sum insured options available under this policy start at ₹ 5 Lac up to ₹ 50 Lacs. The policy comes in three types of variants: Base Plan, Gold Plan and Platinum Plan.

Benefits under the policy will vary according to the plan selected by the policyholder. You can choose to cover up to six family members under family floater basis. This policy can also be purchased on an individual coverage basis.

Benefits of Yuva Bharat Health Policy

Below are a few benefits provided under the Base Plan:

 

  • Hospitalisation Coverage: This plan covers all hospitalisation expenses incurred by the policyholder due to any illnesses or accidents.
  • Hospital Cash: This policy will provide a daily cash allowance starting from ₹ 500 up to ₹ 1000 for a period of five days during hospitalisation.
  • Ambulance Charges: This policy will reimburse ambulance expenses starting at ₹ 5000 up to ₹ 10,000, depending on the sum insured.
  • Injury due to Adventurous Sports: Any injury suffered due to adventurous sports like paragliding, bungee jumping, etc. will be covered under the plan.
  • Pre/Post Hospitalisation: This policy covers 60-day pre and 90-day post-hospitalisation expenses incurred by the policyholder.
  • AYUSH Coverage: This plan covers the cost of alternative treatments like Ayurveda, Unnani, Siddha, etc. up to the sum insured limit.

Benefits under the Gold Plan

In addition to the base policy coverage, the following benefits will be provided under the Gold Plan:

 

  • Personal Accident Coverage: The policyholder or the beneficiaries under the policy will be financially compensated in case of death or injury sustained due to an accident. The insurer will also financially compensate in the event of any permanent disability due to an accident.
  • Air Ambulance Coverage: Under the Gold Plan, air ambulance charges will be covered starting from ₹ 50,000 up to a maximum of ₹ 1,00,000, depending on the sum insured.
  • 10% Auto Recharge: 10% sum restoration benefit, which automatically reinstates the sum insured for the treatment of the same illness once during the policy period. This feature will be applicable in cases where the policyholder has exhausted the base sum limit due to previous hospitalisations.
  • Critical Care Benefit: The company will provide a lump sum payout in case the policyholder is diagnosed with any of the life-threatening illnesses mentioned under the policy. The amount payable will range from ₹ 1,00,000 up to ₹ 250,000 depending on the sum insured selected.

Benefits under Platinum Plan

In addition to the benefits of Base Plan and Gold Plan, the following benefits will be provided under Platinum Plan:

 

  • Maternity Coverage: Under the platinum plan, hospitalisation expenses arising out of maternity related treatment will be covered up to ₹ 25,000 in the case of a single baby. Maternity expenses will be covered up to ₹ 37,500 in the case of twin babies.
  • Infertility Treatment Coverage: Under this plan, the cost of infertility treatments will be covered from ₹ 50,000 up to ₹ 1,00,000, depending on the sum insured selected.
  • Birth Right Cover: In case the new born baby is diagnosed as suffering from any of the specified illnesses, like autism or down syndrome, a lump sum payout will be payable by the insurer.
  • Vaccination Coverage: Under this plan, the vaccination expenses of the new born child will be covered up to 0.1% of the sum insured for up to two years.

Features of Yuva Bharat Health Policy

Below are a few key features of this policy:

 

  • Waiting Period: Any pre-existing illnesses or conditions suffered by the policyholder will be covered after a waiting period of 24 months.
  • Lifelong Renewal: This policy comes with a lifelong renewability option, which means the policyholder can renew their policy without any restriction on age.
  • Specified Illness: The cost of illnesses like cataract, hernia, etc. specified under the policy will be covered after a waiting period of 12 months.
  • No Mandatory Check-up: A medical check-up is not compulsory before purchasing the policy.
  • Add on Cover: Optional add on cover options, such as Enhance Maternity Limit Cover, is available for better coverage.
  • Eligibility Criteria: Adult individuals starting from 18 years old to 45 years old can purchase this policy. Dependant children starting from 91 days to 25 years can opt for this plan.
  • Discounts: The company offers a 10% discount on maintaining healthy parameters of BMI, blood sugar, and blood pressure readings. The company also offers a floater discount of 10% for insuring all your family members under one policy.

Exclusions under Yuva Bharat Health Policy

Following are the general exclusions mentioned under this policy:

  • Obesity treatments and procedures
  • Cosmetic treatments and surgery
  • Sex change treatments
  • Unproven/Experimental treatments

Premium Chart of Yuva Bharat Health Policy

To help you better understand the sum insured options and their corresponding premiums based on age and location, we have provided a sample premium chart below.

  • Zone 1: includes the major cities of India, such as Mumbai, New Delhi, Mumbai Suburdan, Thane, Navi Mumbai, Ahmedabad, Vadodara, and Surat.
  • Zone 2: Rest of India

Premium Chart of Yuva Bharat Health Base Policy ( Zone 1)

Age Group

Sum insured: ₹ 5 Lakh

Sum Insured: ₹ 10 Lakh

3 – 17 months

₹ 3,269

 ₹ 4,296

18-30 years

₹ 4,712

 ₹ 6,240

31- 35 years

  ₹ 5,731

 ₹ 7,614

36 -40 years

₹ 7,267

 ₹ 9,687

41-46 years

  ₹ 9,602

 ₹ 12,837

46- 50 years

 ₹ 12,246

 ₹ 16,410

51- 55 years

 ₹ 15,827

 ₹ 21,240

56 – 60 years

 ₹ 20,235

 ₹ 27,200

61- 65 years

 ₹ 27,459

 ₹ 36,945

66 years and above

 ₹ 31,074

 ₹ 41,822

To check out the premium chart for Zone 2 and other covers available under this policy, refer to the policy prospectus.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Frequently Asked Questions

  • Who can be covered on a family floater basis?

    You can choose to cover yourself, your spouse, and your dependent children under this policy. Policyholders can cover up to six members on a family floater basis.

  • What are the plans available under this policy?

    New India Yuva Bharat Health Policy comes in three variants:
    Base Plan, Gold Plan, and Platinum Plan..

  • What is the free look period available under the Yuva Bharat Health Policy?

    Free look period of 15 days is available under this policy.

  • What is the cumulative bonus available under this policy?

    A cumulative bonus ranging from 10% up to 30% is applicable for every claim free year.

  • Is the portability feature available under this policy?

    Yes, the portability option is available under the policy.

  • Categories
    New India Assurance Health Insurance Plans

    Young India Digi Health Policy by New India Assurance (Guide)

    Young India Digi Health Policy by New India Assurance

    Young India Digi Health Policy by New India Assurance (Guide)

    As a young person securing your health and well-being is of utmost importance. With the increasing cost of medical treatments, a health insurance policy can be a wise investment to protect you financially during unforeseen medical emergencies. Young India Digi Health Policy by New India Assurance is one such affordable health plan specially designed to cater to the healthcare needs of young individuals.

    In this article, we will talk about the following:

    • Young India Digi Health Policy
    • Benefits of Young India Digi Health Policy
    • Features of Young India Digi Health Policy
    • Exclusions under Young India Digi Health Policy
    • How to file claim with Young India Digi Health Policy?
    • Premium Chart of Young India Digi Health Policy

    Young India Digi Health Policy by New India Assurance is a newly launched health insurance policy in the year 2022. This comprehensive health plan is specially designed to cover hospitalisation expenses for young individuals between the ages of 18 and 45. This policy offers a wide range of benefits, like covering in-patient care, pre- and post-hospitalisation expenses, costs of advanced medical treatments, health check-ups, and much more.

    Along with offering comprehensive coverage, the plan also offers various advantages to its policyholders, like a 100% sum restoration benefit, a cumulative bonus, coverage for mental illnesses, new-born baby coverage, and more.

    The plan comes with two sum insured options, i.e ₹ 4 Lakh and ₹ 8 Lakh, policyholders can choose the coverage based on their preferences. This plan can be purchased on an individual or family floater basis.

    Benefits of Young India Digi Health Policy

    Below are some benefits provided under this policy:

    • Hospitalisation Cover: This plan offers coverage for hospitalisation expenses of the policyholder in case of any illness or accident.
    • Pre-Hospitalisation Cover: This plan covers all medical expenses incurred 60 days prior to the date of hospital admission.
    • Post-Hospitalisation Cover: This plan covers medical expenses incurred by the policyholder within 90 days from the date of discharge.
    • Medical Opinion: The cost of a second medical opinion up to ₹ 5,000 will be payable under the policy. This benefit will only be applicable in the case of a policyholder suffering from any critical illness.
    • Newborn Baby Coverage: This plan will provide coverage towards postnatal care, preterm or pre-mature care, or various delivery-related expenses for the new born child.
    • Advanced Treatments: This plan also covers multiple advanced treatments and procedures like oral chemotherapy, stem cell therapy, robotic surgeries, etc, up to a specified limit.
    • Cataract Coverage: Treatment of cataract will be covered up to 10% of the sum insured, or up to Rs 50,000 for each eye.
    • AYUSH Cover: This plan covers the cost of alternative treatments like AYUSH, Unnani, and Ayurveda up to the sum insured limit.
    • Hospital Cash Benefit: The insurer will provide a cash allowance up to ₹ 500 during the hospitalisation for a maximum period of 5 days.
    • Mental Illness Cover: This plan covers medical expenses incurred in the treatment of mental illnesses or disorders like schizophrenia, epilepsy, etc. The costs of treatment will be covered up to 25% of the sum insured.
    • Health Check-up: The policy will reimburse the cost of a health check-up up to ₹ 3500 for every two claim-free years.
    • Road Ambulance Cover: This plan reimburses the cost of ambulance charges up to ₹ 5000.
    • Dental Cover: The cost of treatment for any dental-related injury or illness requiring hospitalisation will be covered under the policy.
    • Organ Transplant Cover: Hospitalisation expenses due to organ transplants will be covered under the plan.

    Features of Young India Digi Health Policy

    Below are some features of the policy:

    • Lifelong Renewal: This plan comes with a lifetime renewability feature that means the policyholder can renew the policy without any restriction on age.
    • Automatic Recharge: This plan comes with a 100% sum restoration feature, which automatically reinstates the sum insured in case the policyholder has exhausted the coverage limit due to previous hospitalisation. This feature is applicable in the case of rehospitalisation due to any unrelated illness during the same policy tenure.
    • No-Claim Bonus: Young India Digi Health policy comes with a cumulative bonus feature that increases the sum insured by 10% for every claim-free year. The sum insured can be increased up to a maximum of 30% as per the terms of the policy.
    • Floater Basis: This policy can be availed on an individual or family floater basis as per the policyholder’s preference. You can choose to cover more than four family members under the family floater cover.

    Exclusions under Young India Digi Health Policy

    Below are a few exclusions under this policy:

    • Waiting Period: Specified illnesses like cataract, hernia, rheumatism, etc. will be covered after a waiting period of 12 months.
    • Obesity Treatments: Medical expenses related to the surgical treatment of obesity that do not fulfill certain criteria mentioned under the policy shall not be covered.
    • Sex Change Treatments: Any expenses related to the gender or sex change of the policyholder will not be covered under the policy.
    • Experimental Treatments: Any unproven or experimental treatments that lack significant medical authentication will not be covered under the plan.
    • Infertility Treatments: Any kind of treatment related to infertility or sterilisation like IVF, ZIFT, ICSI, contraception, etc, will not be covered under this policy.

    How to file claim with Young India Digi Health Policy?

    There are two ways you can file a claim: Cashless and Reimbursement Claim.

    Cashless Claim

    You can file a cashless claim when admitted to any of the network hospitals of New India Assurance. Under the cashless facility,medical expenses will be directly borne by the insurer.

    Follow these simple steps to file a cashless claim:

    • Step 1: Inform the insurer within 24 hours in case of an emergency or 42 hours prior to a planned hospitalisation.
    • Step 2: Submit the health card and KYC documents to the TPA department at the hospital.
    • Step 3: Also, duly fill out and submit the pre-authorization claim form along with other relevant documents to the TPA department.
    • Step 4: The insurer will verify all the documents to initiate the cashless claim.
    • Step 5: After thorough authentication of the claim, your cashless request will be approved.

    Reimbursement Claim

    You will have to file a reimbursement claim when admitted to a non-network hospital. You will have to initially pay the hospital bill out of your own pocket and then file for reimbursement with the insurance company.

    • Step 1: Inform the insurance company immediately in case of any hospitalisation.
    • Step 2: Post-discharge, submit all the relevant documents, like hospital bills, reports, etc., for reimbursement of the bill.
    • Step 3: The insurer will verify all the documents. After thorough verification of the claim, the insurer will reimburse the claim amount directly to the linked bank account.

    Documents Required

    • Original discharge summary
    • Medical bills, prescriptions, and reports
    • Dully signed and filled-out claim form
    • Death certificate (if applicable)
    • FIR report (if applicable)

    Premium Chart of Young India Digi Health Policy

    To help you better understand the sum insured options and their corresponding premiums based on age and location, we have provided a sample premium chart below.

    • Zone 1: includes the major cities of India, such as Mumbai, New Delhi, Mumbai Suburdan, Thane, Navi Mumbai, Ahmedabad, Vadodara, and Surat.
    • Zone 2: Rest of India

    Premium Chart of Young India Digi Health Policy ( Zone 1)

    Below provided is a annual premium chart on an individual coverage basis for Zone 1

    Age Group

    Sum Insured: ₹ 4 Lakh

    Sum Insured: ₹ 8 Lakh

    3 – 17 months

    ₹ 2,608

    ₹ 3,347

    18-30 years

    ₹ 3,748

    ₹ 4,849

    31- 35 years

    ₹ 4,553

    ₹ 5,910

    36 -40 years

    ₹ 5,767

    ₹ 7,510

    41-46 years

    ₹ 7,614

    ₹ 9,943

    46- 50 years

    ₹ 10,314

    ₹ 13,500

    51- 55 years

    ₹ 12,859

    ₹ 16,856

    56 – 60 years

    ₹ 18,593

    ₹ 24,412

    61- 65 years

    ₹ 25,224

    ₹ 33,149

    66 years and above

    ₹ 28,542

    ₹ 37,520

    To check out the premium chart for Zone 2, refer to the policy prospectus.

    Frequently Asked Questions

  • What is the age entry criteria for Young India Digi Health Policy?

    Below are the entry age criteria under the plan:

    • For adults: 18 years to 45 years
    • For dependent children: 91 days to 25 years
  • What is the sum insured available under Young India Digi Health Policy?

    There are two sum insured options available under this plan i.e., ₹4 Lakh and ₹ 8 Lakh.

  • Where can I purchase Young India Digi Health Policy?

    You can purchase this policy directly from the official website of New India Assurance, i.e., https://www.newindia.co.in/portal/.

  • What is the grace period under this policy?

    A grace period of 30 days from the policy expiration date is provided to renew the policy.

  • What is the policy tenure of Young India Digi Health Policy?

    The policy tenure is one year and can be renewed on a yearly basis.

  • Author Bio

    This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

    Experience the power of Artificial Intelligence (A.I)

    Chat with our super-intelligent A.I model and ask it anything about insurance and related products.