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.

. What specific entry age parameters govern eligibility for this youth-centric health insurance framework?

The policy establishes a highly targeted entry age window restricted to adults between 18 and 45 years of age, while allowing dependent children to be seamlessly integrated from an age threshold of 3 months up to 25 years layout.

What financial rewards accrue to policyholders who maintain continuous coverage periods without making a claim?

The plan rewards policyholders by applying a designated 10% cumulative bonus for each claim-free year up to a maximum cap of 30%, effectively enhancing your core protection limits upon consecutive policy renewals.

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

Policy Brochure

Policy Policy Wording

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92.9

Claim Settlement Ratio

9480

Network Hospitals

7.6

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: New India Assurance Health Insurance

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...

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

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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 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.

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.

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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...

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...