Yuva Bharat Health Policy (Cashless facility available)

Health Insurance Policy

Highlights of Yuva Bharat Health policy,

Entry Age: 18 to 45 Years for Adults and Children: 91 Days to 25 Years
Family Definition: Self, spouse and Dependent Children
Basis of Cover: Individual / Floater SI
Sum Insured:
- 5 L, 10 L , 15 L, 25 L ,50 L, 75L AND 1 CRORE
- Note: 75L AND 1 CRORE are available for policies starting on or after 1st April 2025
Plans Available: Base, Gold, and Platinum
No Pre-Policy Medical Check-up

Base Plan Salient Coverages:

Gold Plan – In Addition to Base Plan Coverages:

Personal Accident Benefit
Critical Illness Benefit
Air Ambulance
Auto TOP-UP
Reinstatement of Sum Insured twice in a policy period (For policies starting on or after 1st April 2025)
Guaranteed Cumulative Bonus (For policies starting on or after 1st April 2025)

Platinum Plan – In Addition to Gold Plan Coverages:

Special Features Under All Plans:

Pre-Hospitalization of 60 days
Post-Hospitalization of 90 days
Waiting Period for Pre-existing Disease – 24 months
Waiting Period for Specific Ailments - 12 months
Zone Wise Premium
Expense incurred for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy covered 100% of Sum Insured
Coverage for Modern Treatments

Discounts:

Up to 10% discount on healthy parameters of BMI, blood sugar level, and blood pressure readings
Loyalty discount of 2.5% for active retail policyholders of New India
Digital discount of 10% for Fresh and Renewals
Floater discount up to 15%

Loadings: Up to 7.5% based on health parameters of diabetes, hypertension, and BMI

Optional Cover: Available for Enhanced Maternity Limit

Instalment Facility: Available - Monthly, Quarterly, and Half-Yearly

Life Long Renewals

80D Tax Benefit

UIN: NIAHLIP25059V032425