Young India Digi Health Policy Plan
Overview
NEW INDIA ASSURANCE CO. LTD, founded by Sir Dorabji Tata in 1919, a Multinational General Insurance Company, today operates in 28 countries and headquartered at Mumbai, India. Our global business crossed Rs. 29715 crores in March 2020.We have been market leaders in India in Non-Life business for more than 50 years. Our Indian business crossed Rs.26813 crores in March 2020. We are rated B++ Stable FSR Rating and bbb+ Stable ICR Outlook by AM BEST Company. We have been rated AAA/Stable by CRISIL since 2014 , indicating that the Company has the highest degree of Financial Strength to honour its Policyholder's obligations.We have been leading the market, apart from premium, in reserves & net worth for many years.
Highlights for Young India Digi Health
Cancellation
Commulative Bonus
Features
Sub-limits
No sub-limits
Pre-Hospitalisation : 60 days
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation : 90 days
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Pre existing Disease cover : 24 months
Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.
Waiting Period- Initial : 12 months
No claims are accepted within this period except due to accidents/ injury.
Waiting Period- Specific : 90days
Listed specific illness
Waiting Period- PED : 48 months
No pre-existing ailment related claims are accepted within this period.
Room Rent : 1. Room Rent,Nursing Expenses,Injection,RMP charges as provided by the hospital
Room rent for in-patient hospitalisation
ICU Charges : Yes
Charges for ICU hospitalisation
Co pay : No
% of the claim that the policyholder needs to pay out-of-pocket
Health Check up : Yes,end of a block of every two Claim Free Years
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
No Claim Bonus : Yes,upto sum insured
% of the sum insured that rises every claim free year.
Video/telephone consultation : No
E-consultation with expert doctors empanelled with the insurer for a second opinion.
Domiciliary hospitalization : No
Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.
Ambulance : Rs. 2000 Per Hospitalisation
Transportation of the patient to the hospital and back home
Convalescence benefit : No
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor : Yes
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Bariatric cover : No
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Daycare : Yes,in lessthan 24 hours due to technically advancement
Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments
AYUSH : Yes
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : No
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Modern Treatments : Yes,upto some policy period
All advanced treatment with upgrade in technology.
Health Management/ Wellness : Yes
Benefits provided for staying fit and managing health
Maternity Benefit : Yes
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.