Mumbai, 5 January 2024
New India Assurance:Yuva Bharat Health Policy
The “Yuva Bharat Health Policy” offered by New India Assurance represents a significant stride towards accessible healthcare for the youth of India. This policy is specifically designed to cater to the needs of young individuals, providing comprehensive health insurance coverage.
| Feature | Details |
|---|---|
| Eligibility | Adults: 18 to 45 years; Children: 3 months to 25 years (financially dependent on parents) |
| Family Coverage | Self, Spouse, Dependent Children; Up to six family members under one policy |
| Plans Available | Base Plan, Gold Plan, Platinum Plan (Minimum 2 adults required) |
| Base Plan Coverage | Hospitalization Expenses, Medical Expenses for Organ Transplant, Hospital Cash, Road Ambulance Charges, Treatment for Congenital Diseases, Coverage for Cataract, Coverage for Hazardous Sports, Specific Coverages, Coverage for Modern Treatments/Procedures, Health Check-Up, Medical Second Opinion, Reinstatement of Sum Insured, Ayurvedic/Homeopathic/Unani Treatments, New Born Baby Coverage |
| Gold Plan Additional Coverage | Critical Care Benefit, Personal Accident Benefit, Air Ambulance Charges, Auto TOP-UP |
| Platinum Plan Additional Coverage | Maternity Coverage, Well Baby Cover, Infertility Treatment, Birth Right Benefit |
| Hospital Cash Benefit | Rs. 500 to Rs. 1000 per day (depending on sum insured) for hospitalization exceeding 24 hours |
| Road Ambulance Charges | Up to Rs. 5000, Rs. 7500, or Rs. 10000 (depending on sum insured) |
| Congenital Diseases Coverage | Internal Diseases/Defects after 12 months of continuous coverage; External Diseases/Defects after 24 months of continuous coverage (limited to 10% of the average sum insured in preceding 24 months) |
| Cataract Treatment Limits | Rs. 50000 to Rs. 100000 (depending on sum insured) per eye/per insured |
| Hazardous Sports Coverage | Coverage includes a wide range of sports, with limits based on sum insured (from 10% of the sum insured up to a maximum of Rs. 200000) |
Key Features of Yuva Bharat Health Policy:
- Age Bracket: It targets young people between the ages of 18 and 45, a demographic that often overlooks the importance of health insurance.
- Coverage Options: The policy offers a wide range of coverage options starting from ₹ 5 Lakh to ₹ 50 Lakh. This flexibility allows individuals to choose a plan that best suits their needs and financial capabilities.
- Plan Variants: There are three variants of the policy – Base Plan, Gold Plan, and Platinum Plan, each with increasing levels of coverage and benefits.
- Comprehensive Benefits: The policy covers hospitalization expenses, pre- and post-hospitalization costs, AYUSH treatments (Ayurveda, Unani, Siddha, and Homeopathy), and advanced treatment methods. Unique benefits like coverage for injuries due to adventurous sports and maternity expenses are also included.
- Family Floater Option: Policyholders can opt to cover up to six family members under a family floater plan, making it a comprehensive package for the entire family.
- Lifelong Renewability: This feature ensures that once an individual is covered, they can renew the policy for life, without age restrictions.
- No Mandatory Medical Check-up: To ease the process of obtaining insurance, the policy does not mandate a medical check-up before purchase.
- Add-on Cover Options: There are options for additional coverage, such as enhanced maternity limit cover, which provides greater flexibility and tailor-made solutions for individual needs.
Plans and Specific Benefits:
- Base Plan: Offers basic hospitalization, hospital cash, ambulance charges, adventurous sports injury coverage, pre/post-hospitalization expenses, and AYUSH coverage.
- Gold Plan: In addition to the base plan, it includes personal accident coverage, air ambulance coverage, 10% auto recharge of sum insured, and critical care benefit.
- Platinum Plan: Offers all benefits of the base and gold plans, with added maternity coverage, infertility treatment coverage, birth right cover, and vaccination coverage.
Exclusions:
Like all insurance policies, the Yuva Bharat Health Policy has its exclusions. These include treatments for obesity, cosmetic surgery, sex change procedures, and unproven/experimental treatments.
Eligibility and Discounts:
Adult individuals from 18 to 45 years old are eligible for this policy. The policy also offers discounts for maintaining healthy parameters and a floater discount for covering all family members under one policy.
Summary:
The Yuva Bharat Health Policy is a robust solution addressing the diverse healthcare needs of India’s youth. With its broad coverage, variety of plans, and inclusive benefits, it stands as a testament to New India Assurance’s commitment to providing affordable and comprehensive healthcare solutions. This policy not only safeguards the health of young individuals but also offers peace of mind, knowing that they and their families are protected against unforeseen medical expenses.
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