How does the waiting period affect my coverage?

The policy has a 12-month waiting period for specific illnesses and 24 months for pre-existing diseases.

What happens if I don’t use my health insurance benefits for the entire year?

If no claims are made, a No-Claim Bonus increases the sum insured in the next year.

Will my health insurance cover treatment abroad?

This policy does not cover international treatments; coverage is limited to hospitals within India.

OneAssure

Health Insurance

New India Assurance

Young India Digi Health

Young India Digi Health Policy

Experience India's most trusted health insurance with New India Assurance Health Insurance. Get instant cashless treatment at 9480 network hospitals with sum insured up to ₹50 lakhs.

92.9%

Claim Settlement Ratio

9480+

Network Hospitals

7.6

Customer Rating

Brochure

Policy Wording

Get a Quote

92.9%

Claim Settlement Ratio

9480+

Network Hospitals

7.6

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: New India Assurance Health Insurance

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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

About New India Assurance Health Insurance

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.

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...

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

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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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About the company

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...

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...