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India is experiencing a youth-driven demographic shift, and health insurance providers are stepping up with specialized plans. The Yuva Bharat Health Policy by New India Health Insurance is designed specifically for the needs of young adults. This affordable, dynamic policy is available in 3 variants: Base, Gold, and Platinum. A sum insured of up to INR 1 Crore is available to the policyholder.
| PLAN DETAILS |
Yuva Bharat Policy |
Optima Lite Health Insurance Plan |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
3000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Available | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Available | - |
| Plan Entry Age | Min- 91 days, Max- 45 years | Children: 91 days; Adults: 18 years |
| Plan Premium Entry Age and S/A | 4712 | - |
| Plan Waiting Period | 30 | 30 days |
| Plan Coverage | - | - |
| Plan Sample Premium | 4712 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 90.73 | 95.30 |
| Solvency Ratio | 1.91 | 2.00 |
|
New India Health Insurance |
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