New India Assurance Yuva Bharat Health Plan

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.

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The New India Assurance health insurance policy provides coverage to newborn babies, including pre-term or pre-mature babies, and pays for the treatment of both internal and external congenital anomalies. Moreover, it offers attractive benefits, such as personal accident cover, maternity benefit, infertility treatment cover, hazardous and adventure sports cover, critical illness cover, shared accommodation benefit, consumables cover, etc.

New India Assurance Yuva Bharat Health Plan: Key Highlights

Benefits of New India Assurance Yuva Bharat Health Plan

Here are some of the key benefits of the New India Assurance Yuva Bharat Health insurance policy:

1. Reinstatement of Sum Insured

   The insurer reinstates the sum insured once in a policy period if the coverage amount is fully exhausted under the Base variant. However, the restoration is possible twice a year with the Double Reinstatement of Sum Insured benefit available under Gold and Platinum variants.

2. Auto Top Up

   With the Auto Top Up benefit, the coverage amount automatically restores by up to 10% of the sum insured for the same illness or injury. This cover is only available under Gold and Platinum variants.

3. Cumulative Bonus

   The New India Assurance Company offers a cumulative bonus of 25% for up to 100% or a premium discount of up to 5.50% for every claim-free year. However, the accumulated cumulative bonus will stay intact regardless of claims, with the Guaranteed Cumulative Bonus benefit available under Gold and Platinum variants.

4. Preventive Health Check-Ups

   The insured can avail a reimbursement for the cost of a preventive health check-up at the end of every two claim-free years.

5. Tax Benefits

   The New India Assurance Yuva Bharat Health plan premium is eligible for tax benefits under Section 80D, Income Tax Act.

New India Assurance Yuva Bharat Health Plan Eligibility Criteria

Here are the eligibility criteria for the New India Assurance Yuva Bharat Health plan:

Inclusions of New India Assurance Yuva Bharat Health Plan

The New India Assurance Yuva Bharat Health plan covers the following expenses:

• In-patient Hospitalization: It 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 Expenses: It 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 Cash: It offers a hospital cash allowance subject to 5 consecutive days of hospitalization per claim.
• Organ Transplant Expenses: It pays for the in-patient treatment costs of the organ donor for the transplant surgery of the insured.
• Road Ambulance Charges: It covers the charges incurred for admitting the insured to the hospital, inter-hospital shifting, or shifting the patient home after discharge.
• Congenital Diseases: It pays for the treatment of both internal and external congenital diseases.
• Cataract Treatments: It covers medical costs for in-patient cataract treatments of the insured for each eye.
• Hazardous Sports Cover: It pays for the medical expenses incurred towards the treatment of injuries arising out of hazardous sports, such as bungee jumping, fencing, trekking, rugby, mountain climbing, etc.
• AYUSH Treatment: It covers the medical expenses incurred on AYUSH treatments through Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicine.
• Newborn Baby Coverage: It pays for the hospitalization expenses of the newborn baby from day 1 except post-natal care, pre-term or pre-mature care.
• Medical Second Opinion: It covers the cost of availing a second medical opinion if the insured has to undergo surgery for any listed critical illnesses.
• Modern Treatments: It pays for the cost of modern treatments, such as deep brain stimulation, oral chemotherapy, robotic surgeries, etc.
• Artificial Life Maintenance: It pays for the cost of providing artificial life support to the insured, who is in an unresponsive state, for a maximum of 15 days per policy year.
• Puberty and Menopause-related Disorders: It covers the in-patient medical expenses of any illness or complications arising out of puberty or menopause-related physiological conditions.
• Age-related Macular Degeneration (ARMD): It pays for anti-VEGF medication and intravitreal injections for the treatment of ARMD.
• Genetic Diseases or Disorders: It covers the treatment cost for genetic diseases and conditions.
• Treatment of Mental Illness: It pays for mental health treatments at a registered mental health establishment or hospital by a qualified mental health professional.
• Shared Accommodation Benefit: It offers an additional amount for each day of hospitalization in case the insurer opts for a shared hospital room.
• Critical Illness Benefit: It pays a lump sum amount if the insured is diagnosed with any listed critical illness. This cover is available under Gold and Platinum variants.
• Personal Accident Benefit: It provides compensation in case the insured dies due to injuries resulting from an accident or suffers from permanent total disabilities. This cover is available under Gold and Platinum variants.
• Air Ambulance Charges: It pays for the charges incurred on air ambulance services used to transport the insured to a hospital or from one hospital to another. This cover is available under Gold and Platinum variants.
• Infertility Treatments: It pays for the expenses incurred on infertility treatments. This cover is available under the Platinum variant.
• Maternity Coverage: It covers the in-patient maternity expenses, such as normal and caesarean section deliveries. This cover is available under the Platinum variant.
• Well Baby Cover: It covers the cost of hospitalization of a pre-term or pre-mature baby born within 32 weeks of the pregnancy period admitted to neo-natal care immediately after birth. It also pays for the vaccination expenses of the newborn baby until it turns 2 years old. This cover is available under the Platinum variant.
• Birth Right Benefit: It pays a lump sum amount once in the lifetime of an insured child or newborn if diagnosed with autism spectrum disorders, cerebral palsy, or Down syndrome. This cover is available under the Platinum variant.

Optional Covers

• Non-Medical Expenses: It covers the cost of consumables, such as bandages, cotton, surgical tape, etc., used during the hospitalization of the insured.
• Enhanced Maternity Limit: It doubles the maternity expenses limit that the insurer is liable to pay.

Exclusions of New India Assurance Yuva Bharat Health Plan

The following expenses are excluded from the New India Assurance Yuva Bharat Health plan:

• 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
• Unproven treatments

New India Assurance Yuva Bharat Health Plan Waiting Periods

Here are the waiting periods for the New India Assurance Yuva Bharat Health plan:

New India Assurance Yuva Bharat Health Plan: FAQs