
Young India Digi Health Policy
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Expert Review: New India Assurance Health Insurance
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About
About New India Assurance Health Insurance
Inclusions and Exclusions
Inclusions and Exclusions of New India Assurance Insurance Company Limited
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 ThermoplastyVaporisation 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.
Waiting Period
12-month waiting period for certain illnesses and 24 months for pre-existing diseases.
Cashless Healthcare Providers
Access to an extensive network of over 5,000+ hospitals across India for cashless treatment.
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
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.
Injuries or illnesses arising from participation in hazardous activities or adventure sports.
Expenses related to fertility treatments, surrogacy, or assisted reproductive technologies.
Non-prescribed vitamins, supplements, and treatments deemed experimental or unproven.
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