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.