
Young India Digi Health Policy Plan
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
Rating
Features of the Product
Room Rent (Normal & ICU)
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.
Waiting Periods
12-month waiting period for certain illnesses and
24 months for pre-existing diseases.
Cashless Healthcare Providers
Access to an extensive network of over 5,000+ hospitals across India for cashless treatment.
Day Care Treatments
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.
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
Hospital Cash - Provides a daily cash allowance of ₹500 for each day of hospitalization, up to a maximum of 5 days per illness.
Critical Illness Cover - Offers a lump sum benefit upon diagnosis of specified critical illnesses, providing financial support during challenging times.
Maternity and Newborn Cover - Covers expenses related to maternity, including delivery and newborn care, ensuring comprehensive protection for growing families.
Personal Accident Cover - Provides compensation in case of accidental death or disability, offering financial security to the insured and their family.
Add-ons
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About the Company
New India Assurance was founded in 1919 and is one of India's premier multinational general insurance companies. It was founded by Sir Dorabji Tata. The Company’s headquarter is in Mumbai, Maharashtra.
New India Assurance is a leading multinational general insurance company offering a wide range of products, including motor, health, travel, and property insurance. It caters to individuals, businesses, and government sectors. The company aims to provide affordable and reliable insurance solutions, with a focus on customer satisfaction and comprehensive coverage. Its plans are designed to meet diverse needs, providing financial security and risk protection to a broad customer base.