New India Assurance
Yuva Bharat Health Platinum
New India Assurance Yuva Bharat Health Policy Platinum is an upgrade from the Gold variant. Unfortunately, in terms of its features, the upgrade isn’t much, apart from the added perks of maternity cover, infertility treatment cover, pre-mature baby cover, and more. Despite being an upgrade, the policy continues to have the same pitfalls of partial coverage for modern treatments and genetic disorder treatments, a 1-time-only restoration perk for different ailments, a measly No-Claim Bonus, room rent restrictions, and more. Not exactly the upgrade we were looking for.
What's good here?
Extended Coverage
This plan provides an extended scope of coverage up to specified amounts in terms of Critical Care, Personal accident cover, ambulance and Auto Top-up benefit (up to 10% of base sum insured), Maternity cover, infertility treatment cover, pre-mature baby cover and many more.
This plan provides an extended scope of coverage up to specified amounts in terms of Critical Care, Personal accident cover, ambulance and Auto Top-up benefit (up to 10% of base sum insured), Maternity cover, infertility treatment cover, pre-mature baby cover and many more.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Maternity benefits offered
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹25,000 and make you wait 2 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
What's bad here?
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Genetic disorders, modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
No coverage if you are forced to hospitalize at home
The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.
What's okay here?
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Some Restoration Benefit
Once you exhaust your entire cover, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Free Health Checkups every 2 years
If you’re planning on getting a full body checkup every 2 years just to make sure you’re in fine working condition, the insurer will cover the costs.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 30%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Frequently Asked Questions
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