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Yuva Bharath Policy-Youth Care
Eligibility & Coverage
- Entry age: Adults 18–45 years, Children 91 days–25 years
- Covers self, spouse, and dependent children
- Available as Individual or Floater policy
- Sum insured options: ₹5L, ₹10L, ₹15L, ₹25L, ₹50L
- Plans available: Base, Gold, and Platinum
- No pre-policy medical check-up
Base Plan Benefits
- Hospital cash benefit
- Health check-up expenses
- Newborn baby cover
- Medical second opinion
- Reinstatement of sum insured
- Hazardous sports coverage
- Road ambulance cover
Gold Plan (Additional Benefits)
- Personal accident benefit
- Critical illness benefit
- Air ambulance
- Auto top-up facility
Platinum Plan (Additional Benefits)
- Infertility treatment cover
- Maternity coverage
- Vaccination expenses
- Premature/pre-term birth cover
- Birth right benefit
Special Features
- Pre-hospitalization: 60 days
- Post-hospitalization: 90 days
- Pre-existing disease waiting period: 24 months
- Specific ailments waiting period: 12 months
- AYUSH treatment covered up to 100% SI
- Coverage for modern treatments
- Zone-wise premium structure
Discounts
- Up to 10% discount for healthy BMI/sugar/BP parameters
- 2.5% loyalty discount for existing New India retail customers
- 10% digital discount on fresh and renewal policies
- Floater discount up to 15%
Claim Process Summary
- Inform TPA immediately or 48 hours before hospitalization.
- In emergencies, inform within 24 hours of hospitalization.
- Submit claim documents within 7 days after discharge:
- Hospital bills
- Discharge summary
- Medicine bills
- Test reports
- Doctor/surgeon certificates
- Post-hospitalization claims must be submitted within 7 days after treatment completion.
- TPA may request additional records/documents.
Claim Settlement
- Claims are settled/rejected within 30 days after receiving required documents.
- Missing documents may trigger reminder notices.
- Claims can be rejected if mandatory documents are not submitted after repeated reminders.
- Certified copies are accepted if originals are submitted to another insurer.