OneAssure

Health Insurance

New India Assurance

Young India Digi Health

Young India Digi Health Policy

Stay in a single AC room, reinstate the full sum insured once for a different illness on an individual policy, and earn a 10% cumulative bonus each claim-free year up to 30%, with 60 days of pre-hospitalisation cover.

92.9%

Claim Settlement Ratio

6,800+

Network Hospitals

5.5/10

Plan Rating

Policy Brochure

Policy Policy Wording

Get a Quote

Our Verdict

Expert Review: New India Assurance Young India Digi Health

Final Verdict

The Young India Digi Health Plan provides comprehensive coverage for hospitalization, critical illnesses, and maternity, ideal for individuals aged 18-45. It offers flexible sum insured options and valuable add-ons for added protection.

About

What Is Young India Digi Health?

The Young India Digi Health Plan by New India Assurance is a health insurance policy for individuals aged 18 to 45, offering coverage for hospitalization expenses, pre and post-hospitalization costs, road ambulance, and health checkups. It includes a cumulative bonus of 10% per claim-free year, up to 30%, and covers critical illnesses with a second opinion. The policy has a waiting period for pre-existing diseases (24 months) and specific conditions (12 months). Coverage options include ₹4 lakh and ₹8 lakh sum insured.

Young India Digi Health Ratings

Young India Digi Health

Insurer Rating

6.7

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

swipe

Inclusions and Exclusions

New India Assurance Young India Digi Health Inclusions and Exclusions

Daycare Treatment

Day care treatments like cataract surgery, chemotherapy, and others requiring less than 24-hour hospitalization are covered under the plan.

AYUSH Treatment

The policy includes coverage for alternative treatments under AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) up to the limits specified in the policy.

Room Rent

Normal: Covered up to a specified limit.
ICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Co-payment

If an insured person opts for Zone 1, they can avail treatment anywhere in India with no co-payment applicable.
If an insured person opts for Zone 2 and receives treatment in Zone 1, a 10% co-payment is applicable on the admissible claim amount.

Cashless Healthcare Providers

Access to an extensive network of over 5,000+ hospitals across India for cashless treatment.

Waiting Period

12-month waiting period for certain illnesses and
24 months for pre-existing diseases.

Exclusions

Pre-existing diseases are not covered during the initial 24-month waiting period.
Illnesses contracted within the first 30 days of the policy commencement are excluded.
Cosmetic or plastic surgeries unless medically necessary due to an accident or burns.
Dental treatments, unless required due to an accident or covered under specific plans.
Treatment for substance abuse, alcoholism, or drug addiction-related complications.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

About the company

About New India Assurance

New India Assurance is one of India’s oldest and most trusted insurance companies. It was founded in 1919 and has grown into a large public sector company with a strong presence across India and overseas. The company offers a wide range of insurance products, including health, motor, travel, and home insurance, but health insurance is one of its key areas.
New India Health Insurance focuses on protecting individuals and families from medical expenses. They provide policies that cover hospitalisation, surgeries, pre- and post-hospitalisation costs, organ transplants, alternative treatments like AYUSH, and critical illnesses. The plans are designed for all age groups, from children to senior citizens, and include features like cumulative bonus, hospital cash, and optional covers to meet different needs.
The company is known for its reliable claim settlement and extensive network of hospitals, making it a popular choice for people who want financial security against rising healthcare costs.