Young India Digi Health Policy
New India Assurance
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
ICU charges covered up to the sum insured, while normal room expenses are covered up to a specified limit.
Advanced Treatment Coverage
Includes robotic surgeries, oral chemotherapy, and stem cell therapy, ensuring access to modern medical procedures.
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Our 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 the Plan
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.
About the Plan
Product Stats
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Features of the Product
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
- Normal: Covered up to a specified limit.
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.
Waiting Period
- 12-month waiting period for certain illnesses and
- 24 months for pre-existing diseases.
- 12-month waiting period for certain illnesses and
Cashless Healthcare Providers
Access to an extensive network of over 5,000+ hospitals across India for cashless treatment.
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.
Self-inflicted injuries, suicide attempts, or intentional harm.
Expenses incurred for obesity treatments, weight loss programs, or bariatric surgery.
Treatment for sexually transmitted diseases (STDs) and HIV/AIDS, unless explicitly covered.
Exclusions
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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 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.
About the Company
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