The Yuva Bharat Health Policy is a comprehensive health insurance plan designed specifically for young adults and families, offering a range of benefits and coverage options to meet their healthcare needs.

Key features:

• Eligibility: Adults aged 18 to 45 years and children aged 91 days to 25 years.
• Family Definition: Self, spouse, and dependent children.
• Sum Insured Options: ₹5 lakhs, ₹10 lakhs, ₹15 lakhs, ₹25 lakhs, and ₹50 lakhs.
• Plan Variants: Base Plan, Gold Plan, and Platinum Plan.
• No pre-policy medical check-up required.

Base Plan Coverage:

• Hospital Cash
• Cost of Health Check-up
• New Born Baby Cover
• Medical Second Opinion
• Reinstatement of Sum Insured
• Coverage for Hazardous Sports
• Road Ambulance

Gold Plan – Additional Coverages (Includes Base Plan Coverages):

• Personal Accident Benefit
• Critical Illness Benefit
• Air Ambulance
• Auto Top-Up

Platinum Plan – Additional Coverages (Includes Gold Plan Coverages):

• Infertility Treatment
• Maternity Coverage
• Vaccination Charges
• Pre-Term/Premature Birth
• Birth Right Benefit

Special Features (Applicable to All Plans):

• Pre-Hospitalization: 60 Days
• Post-Hospitalization: 90 Days
• Waiting Period for Pre-existing Diseases: 24 Months
• Waiting Period for Specific Ailments: 12 Months
• Zone-wise Premiums
• Coverage for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy (AYUSH) Systems: 100% of Sum Insured
• Coverage for Modern Treatments

Discounts:

• Up to 10% discount for healthy parameters (BMI, Blood Sugar, Blood Pressure, etc.)
• 2.5% Loyalty Discount for Active Retail Policyholders of New India
• 10% Digital Discount for Fresh and Renewals
• Floater Discount: Up to 15%

Loadings:

• Up to 7.5% based on health parameters (Diabetes, Hypertension, BMI)

Optional Covers:

• Enhanced Maternity Limit

Additional Benefits:

• Instalment Facility: Monthly, Quarterly, and Half Yearly options available
• Lifelong Renewals
• 80D Tax Benefit

This policy provides a comprehensive and flexible health insurance solution for young adults and families, ensuring financial security and access to quality healthcare.