Network hospitals
3000+
Incurred claim ratio
90.73%
Sum insured
Up to 2 Crore
No. of Plans
1
Solvency Ratio
1.8
Pan India Presence
1800+
The New India Assurance Yuva Bharat Health Policy is a comprehensive health insurance plan that includes a plethora of additional features in addition to basic coverage. The plan includes covers like personal accident benefits, critical illness benefits, air ambulance, auto top, infertility treatment, and more in its base, gold, and platinum varieties.
New India Yuva Bharat Health Policy provides a wide range of sum insured options to select from starting from INR 5 to 50 Lacs. The eligibility criteria to invest in the plan is 18 years to 45 years for adults and 91 days to 25 years for dependent children. Insurance holders do not require to undergo any medical check-up before purchasing the policy and offer tax benefits under section 80D.
To understand Yuva Bharat Plan Insurance in detail, take a look at the below table:
Min- 91 days, Max- 45 years
Individual and Family Health Insurance
5L | 10L | 15L | 25L | 50 L
30 Days
Lifelong
1, 2, 3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
With wide coverage options available, Yuva Bharat Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Co-payment
Covered
Sub-limits
Not Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Yuva Bharat Health Policy by New India encompasses multiple benefits and features making it a versatile health insurance plan. Below are the various benefits insurance holders can avail of through the plan,
New India Health Insurance
New India Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, New India Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
To understand how much premium one needs to pay towards the Yuva Bharat Health Policy by New India Assurance, let us go through the below example wherein we have illustrated the sample premiums.
Sum Insured | 5 L | 10 L | 15 L | 25 L | 50 L |
Premium (In Rs.) | 4,712 | 6,240 | 7,668 | 10,174 | 15,246 |
Sum Insured | 5 L | 10 L | 15 L | 25 L | 50 L |
Premium (In Rs.) | 5,426 | 7,164 | 8,801 | 11,971 | 18,554 |
Sum Insured | 5 L | 10 L | 15 L | 25 L | 50 L |
Premium (In Rs.) | 7,033 | 8,773 | 10,409 | 13,718 | 20,517 |
Permanent diseases or health conditions that are not included under Yuva Bharat Health Policy by New India are:
Pre-existing diseases
Change of Gender Treatments
Cosmetic or Plastic Surgery
Hazardous or Adventure Sports
Breach of Law
Excluded Providers
Treatment for alcoholism, drug or substance abuse
Dietary Supplements and substances that can be purchased without prescription
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-existing diseases after 24 months
Listed Ailments 12/24 months
Individuals and families can benefit from the New India Yuva Bharat Health Policy, which is both affordable and flexible. It is appropriate for individuals who want to cover their family with a sufficient sum insured while avoiding unnecessary advantages. If you are a newly married pair, you can customize the plan with platinum benefits that include maternity coverage; if you have a family history of critical illnesses, you can choose the gold plan version that includes critical illness coverage.
To cater to the different medical needs of an individual & their family, New India Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to New India Health Insurance plans explore more:
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Individual and Family Health Insurance
The New India Assurance Yuva Bharat Health Policy is a comprehensive health insurance plan that includes a plethora of additional features in addition...
Unique Features
Individuals can invest in the New India Yuva Bharat Policy from the age of 18 years up to 45 years and can cover dependent children from 91 days to 25 Years.
Individuals can cover himself/herself, spouse, and dependent parents or parents-in-law under one policy.
The sum insured options available under the plan range between 5 to 50 Lac INR.
Critical illness benefits are available under the New India Yuva Bharat Health Plan under the gold plan variant.
The waiting period applicable under New India Yuva Bharat Health Plan are as follows: Maternity Cover - 24 Months Pre-existing diseases - 24 Months 90 Days Waiting Period for - Diabetes Mellitus, Hypertension and Cardiac Conditions Specific listed disease - 24 Months
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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