About New India Assurance Yuva Bharat Health Plan
New India Assurance Yuva Bharat Health plan caters to the medical needs of young adults up to 45 years. It offers comprehensive coverage with double restoration of the sum insured and provides 10% reinstatement of the sum insured for the same illness/injury under the Auto Top Up benefit. The plan also provides a guaranteed cumulative bonus irrespective of the claim history.
New India Assurance Yuva Bharat Health Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹1 crore |
| Pre-Policy Medical Check-ups | Not required |
| Pre-existing Diseases Waiting Period | 2 years |
| Discount | Up to 15% floater discount Up to 10% health parameters discount 10% digital discount Up to 7% long-term policy discount 2.5% loyalty discount |
| Co-payment | 10% if insured from a Zone II city takes treatment in Zone I cities |
or select from popular citiessYuva Bharat Base Health Policy Features
Search Yuva Bharat Base Health Policy Cashless Network Hospital list
Key Benefits of New India Assurance Yuva Bharat Health Plan
New India Assurance Yuva Bharat Health Plan Inclusions, Exclusions & Optional Covers
-
In-patient HospitalizationIt pays for the medical expenses incurred during hospitalization of at least 24 hours, such as room rent, ICU charges, surgeon fees, OT charges, dental treatment, etc.
-
Pre and Post-Hospitalization ExpensesIt covers the cost of medical expenses incurred up to 60 days prior to the hospital admission and up to 90 days from the date of discharge.
-
Hospital CashIt offers a hospital cash allowance subject to 5 consecutive days of hospitalization per claim.
-
Organ Transplant ExpensesIt pays for the in-patient treatment costs of the organ donor for the transplant surgery of the insured.
-
Road Ambulance ChargesIt covers the charges incurred for admitting the insured to the hospital, inter-hospital shifting, or shifting the patient home after discharge.
-
Congenital DiseasesIt pays for the treatment of both internal and external congenital diseases.
-
Obesity and weight control treatments
-
Dietary supplements and substances
-
Treatments for alcoholism, drug or substance abuse
-
Cosmetic and plastic surgeries
-
Treatments taken outside India
-
Medical expenses incurred due to a breach of law
-
Non-Medical ExpensesIt covers the cost of consumables, such as bandages, cotton, surgical tape, etc., used during the hospitalization of the insured.
-
Enhanced Maternity LimitIt doubles the maternity expenses limit that the insurer is liable to pay.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
Explore Other Health Insurance Plans
New India Assurance Yuva Bharat Health Plan: FAQs
-
Q1. Is the New India Assurance Yuva Bharat Health Plan cashless?
Ans: Yes, the cashless hospitalization facility is available with the New India Assurance Yuva Bharat Health plan.
-
Q2. How many family members can I add to my New India Assurance Yuva Bharat Health policy?
Ans: You can cover a maximum of six family members under the New India Assurance Yuva Bharat health policy on a family floater basis.
-
Q3. Is newborn baby coverage applicable from day 1 of the New India Assurance Yuva Bharat Health plan?
Ans: Yes, the Newborn Baby Cover is available from day 1, provided the insured mother was covered in the health insurance policy for at least 2 continuous years.
-
Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
New India Assurance offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of New India Assurance
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to New India Assurance for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the New India Assurance policy
- The network hospital will send the hospital bill to New India Assurance.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
