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Individual Health Insurance Plans
New India Yuva Bharat Health Policy
New India Yuva Bharat Health policy is a comprehensive health insurance plan which was created with the goal of assisting policyholders in actively managing their health and leading healthy lifestyles. The policy is specially made to pay for hospitalization costs resulting from an illness or accident.
It meets almost all of your healthcare needs, from maternity benefits and infertility treatment to newborn baby cover and critical illness benefits. The plan comes in three variants: Base, Gold, and Platinum.
Eligibility Criteria
| Minimum Entry Age | For Adults: 18 Years, For Children: 3 Months |
| Maximum Entry Age | For Adults: 45 Years, For Children: 25 Years |
| Sum Insured Options | Rs. 5/10/15/25/50 Lakhs |
| Renewability | Lifelong |
| Policy Period | 1 Year |
New India Yuva Bharat Health Policy Features
It is very important to be aware of the coverage of the plan before you buy it. Therefore, we have curated a list of expenses that are covered by the New India Yuva Bharat Health policy.
| Coverage | Base Plan | Gold Plan | Platinum Plan |
| Pre-Hospitalization Expenses | 60 Days | ||
| Post-Hospitalization Expenses | 90 Days | ||
| AYUSH Treatment | Up To 100% Of SI | ||
| Modern Treatments | Covered | ||
| Hospital Cash | Covered | NA | NA |
| Cost Of Health Checkup | Covered | NA | NA |
| Newborn Baby Cover | Covered | NA | NA |
| Medical Second Opinion | Covered | NA | NA |
| Coverage Of Hazardous Sports | Covered | NA | NA |
| Road Ambulance | Covered
| NA | NA |
| Personal Accident Cover | NA | Covered | NA |
| Critical Illness Cover | NA | Covered
| NA |
| Air Ambulance | NA | Covered | NA |
| Infertility Treatment | NA | NA | Covered |
| Maternity Cover | NA | NA | Covered |
| Pre-Term/Premature Birth | NA | NA | Covered |
| Vaccination Charges | NA | NA | Covered |
Why Should You Choose New India Yuva Bharat Health Policy?
There are many reasons to choose the Yuva Bharat Health policy. Some of the benefits provided by the plan are as discussed below:
Continuity Benefit:
The plan provides continuity benefits to the policyholder by covering specific ailments after 12 months of continuous coverage. Moreover, pre-existing diseases, mental illnesses, and genetic disorders are covered after 24 months of continuous coverage.
Reinstatement Of Sum Insured:
The sum insured is reinstated if it is used up as a result of a claim that is admissible under the policy and/or is paid. This reinstatement is only accessible for policies issued with individual sum insured amounts and only once per policy period.
Personal Accident Benefit:
The Company will compensate the insured or his legal representative(s) or nominee if the insured person suffers any bodily injury at any time during the term of this policy that is caused entirely and directly by an accident caused by external, violent, and visible causes.
| Status | Compensation |
| Death | 100% Of SI |
Loss Of Both Eyes/Loss Of Two Limbs/Loss Of One Limb & One Eye | 100% Of SI |
| Permanent Total Disablement | 100% Of SI |
| Loss Of One Limb/One Eye | 50% Of SI |
Hospital Cash Benefit:
For each day of hospitalization permitted by the policy, the company will pay the hospital cash. For any one illness, the payment under this clause shall be made for a maximum of five days.
| Sum Insured | Hospital Cash Benefit |
| Rs. 5/10/15 Lakhs | Rs. 500 Per Day |
| Rs. 25 Lakhs | Rs. 750 Per Day |
| Rs. 50 Lakhs | Rs. 1000 Per Day |
Auto Top-Up Facility:
When a claim is paid or admissible for the same disease or injury, the sum insured is immediately reinstated up to 10% of the sum insured.
Discounts:
The plan provides the following discounts to the policyholder:
- Floater Discount: Up To 15%
- Loyalty Discount: 2.5%
- Discount up to 10% on healthy parameters of BMI, blood sugar level and
- blood pressure readings etc.
- Digital Discount: 10%
Tax Benefits:
According to Section 80 D of the Income Tax Act of 1961, payments for the plan made in any way other than cash are eligible for a deduction from taxable income. Please refer to the appropriate section of the Income Tax Act for more information.
No Pre-Policy Medical Check-Up:
There is no requirement for undergoing any kind of pre-policy medical checkup to purchase the plan.
Installment Facility:
The policy offers an installment facility. You can pay the premium monthly, quarterly, half-yearly, or annually.
Birth Right Benefit:
If a child or newborn covered by the policy develops any one of the disorders like Autism Spectrum Disorders, Cerebral Palsy, and Downs Syndrome during the policy period, the following amounts shall be payable to the policyholder:
| Sum Insured | Benefit Payable |
| Rs. 5/10/15 Lakhs | Rs. 30,000 |
| Rs. 25 Lakhs | Rs. 40,000 |
| Rs. 50 Lakhs | Rs. 50,000 |
Sample Quotations Of New India Yuva Bharat Health Policy
Let’s check out how much will New India Yuva Bharat Health plan cost you!
| Age Of Policyholder | Sum Insured | Zone | Plan Type | Annual Premium |
| 18 Years | Rs. 5 Lakhs | Zone 1: Delhi | Basic | Rs. 4,712 |
| 31 Years | Rs. 10 Lakhs | Zone 2: Rest Of India | Gold | Rs. 6,992 |
| 45 Years | Rs. 15 Lakhs | Zone 1: Delhi | Basic | Rs. 15,855 |
| 38 Years | Rs. 25 Lakhs | Zone 2: Rest Of India | Platinum | Rs. 15,942 |
What’s Not Included Under Yuva Bharat Health Policy?
The plan comes with the following exclusions:
- Obesity and weight control treatment
- Investigation and evaluation
- Rest cure, rehabilitation, and respite care
- Change of gender treatments
- Cosmetic or plastic surgery
- Breach of law
- Treatment for alcoholism, drug, or any other intoxicating substances
- Refractive error
- Unproven treatments
- Sterility and infertility
- War and war-like occurrences or invasion
Frequently Asked Questions
The policy covers the following members:
- a) Self
- b) Spouse
- c) Dependent Children
Single insurance may cover a maximum of six persons.
Yes. There are loadings as per the following parameters:
- BMI (>32) – 2.5% Loading
- Diabetic (Hb1Ac >6.4) – 2.5% Loading
- Hypertensive (>139/89) – 2.5% Loading
Yes, cumulative bonuses between 10% and 30% are provided for each claim-free renewal.
Yes. You can cancel the policy within 15 days from the policy’s inception date. If the policyholder cancels it with 15 days written notice, the company will repay the premium for the remaining time under the policy.
Yes. When paying annual premiums, the policy must be renewed within 30 days before its expiration.
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