Claim Settlement Ratio 89.60%
Claim Settlement Facility 100%
Network Hospitals 1500
COVID-19 Cover Yes
Incurred Claim Ratio 103.19%
The Yuva Bharat Health insurance policy is aimed to provide cover for the youth of the country with the minimum and maximum entry Age being 18 years and 45 years. There is no pre policy check-up under the policy. The policy also provides cover for hazardous sports which is usually an exclusion under other health insurance policies.
The arogya sanjeevani policy can be taken on an individual or floater family basis. Treatment towards HIV, Mental illness and Genetic disorders are also payable under the policy.
The policy covers the reimbursement expenses of the senior citizens in case of hospitalization due to an injury or illness. It also includes the coverage for impairment of a person's intellectual faculties by usage of drugs, stimulants or depressants as prescribed by the medical practitioner. The policy also covers the artificial life maintenance up to 10% of the sum insured. Treatment of mental illness, stress or psychological disorders and neurodegenerative disorders are covered for up to 25% of the sum insured under the policy.
The Top up mediclaim policy from New India covers the hospitalization expenses of the insured once the threshold limit is crossed. The threshold limit can be met by an individual or group health insurance policy or by self funding also. But it is mandatory to have a base health insurance policy to buy a top-up health insurance policy.
The policy can be taken by any person in the age group of 18 years to 65 years. The policy is intended for people looking for higher sum insured. The policy comes in two plans, Plan A with a sum insured range of ₹15 lakhs to ₹25 lakhs and Plan B with a sum insured range of ₹50 lakhs and ₹1 Crore.
The policy is intended to cover young population of India in the age groups of 18 years to 45 years with a sum insured range of ₹4 lakhs to ₹8 lakhs. There is no pre policy medical check-up for this policy. A floater discount of upto 15% is available if more than one family member is covered under the policy.
The policy provides compensation to the insured in case of diagnosis with any of the critical illnesses mentioned under the policy. However there would be a waiting period of 30 days from the inception of the policy period.