{"uin":"NIAHLIP25059V032425","name":"Yuva Bharat Health Policy (Cashless facility available)","url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Yuva Bharat Health Policy is an indemnity health policy with Base, Gold and Platinum plans and sum insured options from Rs. 5 L to Rs. 1 Cr. It covers hospitalisation in India with room-category limits, 60 days pre-hospitalisation, 90 days post-hospitalisation, restoration benefits and optional enhanced maternity limit under the Platinum Plan.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:58:46.146654+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Base Plan","Gold Plan","Platinum Plan"],"display":"Base Plan; Gold Plan; Platinum Plan","note":null,"quote":"The Coverages for Base, Gold and Platinum Plans are as under. ... 1. Base Plan – Clauses applicable are 3.1 to 3.17. ... 2. Gold Plan covers the following in addition to the coverages mentioned in Base Plan. ... 3. Platinum Plan covers the following in addition to the coverages mentioned Gold Plan.","sources":[{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy term can be 1 Year, 2 Years or 3 Years.","display":"1 Year or 2 Years or 3 Years","note":null,"quote":"POLICY TERM means the tenure of the policy, which can be 1 Year or 2 Years or 3 Years","sources":[{"clause":"2.66","heading":"POLICY TERM","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-2-66"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For planned hospitalisation, the TPA must be intimated immediately on detection of illness or injury or 48 hours before hospitalisation. For emergency hospitalisation, intimation must be within 24 hours from the time of hospitalisation.","display":"48 hours before planned hospitalisation; within 24 hours for emergency hospitalisation","note":null,"quote":"a) Intimate TPA in writing on detection of any Illness/Injury being suffered immediately or forty-eight hours before Hospitalisation. ... b) Intimate within twenty-four hours from the time of Hospitalisation in case of Hospitalisation due to medical emergency.","sources":[{"clause":"5.20(a)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-20-a"},{"clause":"5.20(b)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-20-b"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Bill, Receipt and Discharge certificate / card from the Hospital.","Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.","Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.","Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt.","Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis."],"display":"Hospital bill, receipt and discharge card; cash memos with prescriptions; pathology receipts and reports; surgeon’s certificate and bill; treating doctors’ bills and diagnosis certificate","note":"Claim documents are to be submitted within seven days from discharge.","quote":"Submit following supporting documents TPA relating to the claim within seven days from the date of discharge from the Hospital:\ni) Bill, Receipt and Discharge certificate / card from the Hospital.\nii) Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.\niii) Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.\niv) Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt.\nv) Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis.","sources":[{"clause":"5.20(c)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-20-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. Delay attracts interest at 2% above the bank rate from the date of receipt of the last necessary document to the date of payment.","display":"Within 15 days from receipt of the last necessary document; delay interest 2% above bank rate","note":null,"quote":"i) The Company shall settle or reject a claim, as the case may be within 15 days from the date of receipt of last necessary document.\nii) ln the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"5.10","heading":"CLAIM SETTLEMENT (PROVISION FOR PENAL INTEREST)","page":32,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-10"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months","Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of Ninety Days / 12 / 24 months","Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident","Investigation and evaluation","Rest cure, rehabilitation and respite care","Change-of-gender treatments","Cosmetic or plastic surgery","Hazardous or adventure sports as a professional","Breach of law with criminal intent","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Unproven treatments","Maternity expenses except as modified under Platinum Plan","Any expenses incurred on Domiciliary Hospitalization.","Treatment taken outside the geographical limits of India"],"display":"PED 24 months; specific waiting periods 90 days/12/24 months; first 30 days illness waiting period; investigation, rest cure, change of gender, cosmetic surgery, professional hazardous sports, breach of law, substance abuse, unproven treatments, maternity, domiciliary hospitalisation and treatment outside India exclusions","note":"Maternity is covered only to the extent of the Platinum Plan maternity benefit.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months ... Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of Ninety Days / 12 / 24 months ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... 4.4.1 INVESTIGATION AND EVALUATION (Code- Excl04) ... 4.4.2 REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) ... 4.4.4 CHANGE-OF-GENDER TREATMENTS (Code- Excl07) ... 4.4.5 COSMETIC OR PLASTIC SURGERY (Code- Excl08) ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... 4.4.13 UNPROVEN TREATMENTS (Code- Excl16) ... 4.4.15 MATERNITY EXPENSES (Code - Excl18) ... Any expenses incurred on Domiciliary Hospitalization. ... Treatment taken outside the geographical limits of India","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-1"},{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-2-2"},{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-3"},{"clause":"4.4.1","heading":"INVESTIGATION AND EVALUATION (Code- Excl04)","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-1"},{"clause":"4.4.2","heading":"REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-2"},{"clause":"4.4.4","heading":"CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-4"},{"clause":"4.4.5","heading":"COSMETIC OR PLASTIC SURGERY (Code- Excl08)","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-5"},{"clause":"4.4.6","heading":"HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-6"},{"clause":"4.4.7","heading":"BREACH OF LAW (Code- Excl10)","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-7"},{"clause":"4.4.9","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-9"},{"clause":"4.4.13","heading":"UNPROVEN TREATMENTS (Code- Excl16)","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-13"},{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-15"},{"clause":"4.4.17","heading":null,"page":29,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-17"},{"clause":"4.4.27","heading":"Treatment taken outside the geographical limits of India","page":29,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-27"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The insured person may first contact the company through its grievance website, toll-free number, e-mail, fax, courier, branch grievance cell, or grievance officer. If not satisfied, the insured person may approach the Insurance Ombudsman.","display":"Contact New India through grievance website, toll-free 1800-209-1415, branch grievance cell or grievance officer before Ombudsman","note":null,"quote":"ln case of any grievance the insured person may contact the company through Website : https://www.newindia.co.in/portal/readMore/Grievances Toll free: 1800-209-1415 E-mail, Fax and Courier: As mentioned in the above address ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. ... insured person may contact the grievance officer at https://www.newindia.co.in/portal/readMore/Grievances ... the insured person may also approach the office of lnsurance Ombudsman","sources":[{"clause":"5.14","heading":"REDRESSAL OF GRIEVANCE","page":33,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-14"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"The available sum insured options are Rs. 5 L, Rs. 10 L, Rs. 15 L, Rs. 25 L, Rs. 50 L, Rs. 75 L and Rs. 1 Cr under all plans.","display":"Rs. 5 L, Rs. 10 L, Rs. 15 L, Rs. 25 L, Rs. 50 L, Rs. 75 L and Rs. 1 Cr","note":"From the prospectus.","quote":"We offer Sum Insured of Rs. 5 L, Rs. 10 L, Rs. 15 L, Rs. 25 L, Rs. 50 L, Rs. 75 L and Rs. 1 Cr under all the Plans.","sources":[{"clause":"11","heading":"WHAT SUM INSURED ARE AVAILABLE UNDER THE POLICY?","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13442#c-11-2"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims and does not apply if the insured person has continuous coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Coverage after 24 months is subject to the disease being declared at application and accepted by the insurer.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":"The specific waiting periods are 90 days, 12 months and 24 months, depending on the listed condition. The exclusion does not apply to accident claims.","quote":"Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of Ninety Days / 12 / 24 months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer.","sources":[{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-2-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Diabetes Mellitus","Hypertension","Cardiac Conditions","All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","Benign ear, nose, throat disorders","Benign prostate hypertrophy","Cataract and age related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Skin Disorders","Stone in Gall Bladder and Bile duct, excluding malignancy","Stones in Urinary system","Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus","Varicose Veins and Varicose Ulcers","Renal Failure","Puberty and Menopause related Disorders","Internal Congenital Diseases","Critical Care Benefit","Congenital External Disease","Joint Replacement due to Degenerative Condition","Age-related Osteoarthritis and Osteoporosis","Treatment of Mental Illness (ICD Code: F01-F29 & F60-F79)","Age Related Macular Degeneration (ARMD)","Genetic diseases or disorders","Birth Right Benefit","Infertility Treatment","Maternity Coverage"],"display":"Diabetes, hypertension and cardiac conditions have 90 days; listed benign tumours, ENT disorders, cataract, ulcers, hernia and other listed conditions have 12 months; congenital external disease, joint replacement, mental illness, ARMD, genetic disorders, birth right, infertility and maternity have 24 months","note":null,"quote":"i) 90 Days Waiting Period\n1. Diabetes Mellitus\n2. Hypertension\n3. Cardiac Conditions ... ii) 12 Months waiting period\n1. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n2. Benign ear, nose, throat disorders\n3. Benign prostate hypertrophy\n4. Cataract and age related eye ailments\n5. Gastric/ Duodenal Ulcer\n6. Gout and Rheumatism\n7. Hernia of all types\n8. Hydrocele\n9. Non Infective Arthritis\n10. Piles, Fissures and Fistula in anus\n11. Pilonidal sinus, Sinusitis and related disorders\n12. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n13. Skin Disorders\n14. Stone in Gall Bladder and Bile duct, excluding malignancy\n15. Stones in Urinary system\n16. Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus\n17. Varicose Veins and Varicose Ulcers\n18. Renal Failure\n19. Puberty and Menopause related Disorders\n20. Internal Congenital Diseases\n21. Critical Care Benefit ... iii) 24 Months waiting period\n1. Congenital External Disease\n2. Joint Replacement due to Degenerative Condition\n3. Age-related Osteoarthritis and Osteoporosis\n4. Treatment of Mental Illness (ICD Code: F01-F29 & F60-F79)\n5. Age Related Macular Degeneration (ARMD)\n6. Genetic diseases or disorders\n7. Birth Right Benefit\n8. Infertility Treatment\n9. Maternity Coverage","sources":[{"clause":"4.2(e)(i)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-2-e-i"},{"clause":"4.2(e)(ii)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-2-e-ii"},{"clause":"4.2(e)(iii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-2-e-iii"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement only on the enhanced limit.","quote":"After completion of sixty continuous months of coverage (including portability and migration in health insurance policy), no policy and claim shall be contestable by the insurer on grounds of non-disclosure, mis-representation except on grounds of established fraud. This period of sixty continuous months is called as Moratorium period.","sources":[{"clause":"5.8","heading":"MORATORIUM PERIOD","page":32,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The policy can be ported to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. Credit for sum insured, no claim bonus, specific waiting period for pre-existing diseases and moratorium period can be transferred as stated.","display":"Porting allowed; apply at least 30 days before, but not earlier than 60 days from, renewal date","note":null,"quote":"You will have the option to port the policy to other Insurers by applying to such Insurer to port the entire policy along with all the members of the family, if any, at-least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. ... policyholder can transfer the credit gained to the extent of the sum insured, no claim bonus, specific waiting period for pre-existing diseases, moratorium period etc. from the existing insurer to the acquiring insurer in the previous policy.","sources":[{"clause":"5.15","heading":"PORTABILITY AND MIGRATION","page":33,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, lifelong","note":"From the prospectus.","quote":"Policy can be renewed lifelong provided the renewal is done before the expiry or within the Grace Period of 30 days.","sources":[{"clause":"19","heading":"IS THERE AN AGE LIMIT UPTO WHICH THE POLICY WOULD BE RENEWED?","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13442#c-19"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal cannot be denied because claims were made, and no loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"ii) Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... v) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.11","heading":"RENEWAL OF POLICY","page":32,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-11"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time by giving 7 days’ notice in writing. For terms up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim was made; for terms over one year, it refunds premium for unexpired policy years where risk coverage has not commenced, but no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days’ written notice; proportionate refund for unexpired period if no claim; no refund if any claim is admitted, lodged or benefit availed","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. ... a) refunds proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... b) refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced Not with standing anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"5.1","heading":"CANCELLATION","page":30,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-1"},{"clause":"5.1(a)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-1-a"},{"clause":"5.1(b)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-1-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers medical or surgical treatment and services rendered only in India. Admissible claims are payable only in Indian Rupees.","display":"India only","note":null,"quote":"This Policy covers medical/surgical treatment and/or services rendered only in India. Admissible claims shall be payable only in Indian Rupees.","sources":[{"clause":"5.18","heading":"PLACE OF TREATMENT AND PAYMENT","page":34,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-18"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applicable to new individual health insurance policies with a term of one year or more, not policies of less than a year, renewals, or porting/migration.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable. A period of 30 days (from the date of receipt of the policy document) is available to the policyholder to review the terms and conditions of the policy.","sources":[{"clause":"5.6","heading":"FREE LOOK PERIOD","page":31,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly premium payment mode","note":"For instalment premiums, the wording also states: Grace Period of 15 days and 30 days would be applicable for monthly and quarterly or half yearly installment respectively.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"2.18","heading":"GRACE PERIOD","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-2-18"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Persons between 18 years and 45 years can take the policy. Children from 3 months up to 25 years can be covered if financially dependent on the parents and one or both parents are covered simultaneously.","display":"Adults 18 years to 45 years; dependent children 3 months to 25 years","note":"From the prospectus.","quote":"Persons between the age of 18 years and 45 years can take this policy. Children from 3 months up to 25 years can be covered provided they are financially dependent on the parents and one or both parents are covered simultaneously.","sources":[{"clause":"1","heading":"WHO CAN TAKE THIS POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13442#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Monthly","Quarterly","Half-Yearly","Annual Premium"],"display":"Monthly, Quarterly, Half-Yearly or Annual Premium","note":"Instalment facility is not available for policies taken for 2 Years or 3 Years.","quote":"The Premium can be paid Monthly, Quarterly, Half-Yearly or Annual Premium. However, this installment facility is not available for Long Term Policies i.e. for policies taken for 2 Years or 3 Years.","sources":[{"clause":"23","heading":"IS INSTALLMENT FACILITY AVAILABLE UNDER THE POLICY?","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13442#c-23"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Enhanced Maternity Limit"],"display":"Enhanced Maternity Limit of Rs. 50,000, Rs.75,000 or Rs. 1,00,000 at additional premium","note":"Available with the Platinum Plan maternity coverage.","quote":"B. Optional Cover: Following Enhanced Maternity Limit is available at an additional premium ... Enhanced Maternity Limit (Over and above the Limit\nmentioned in ‘A’) Rs. 50,000 Rs.75,000 Rs. 1,00,000\nNote: Enhanced Maternity Limit will be available after a waiting period of 24 months of continuous coverage.","sources":[{"clause":"Section 3","heading":"PLATINUM PLAN Following Coverages are available under this Plan in addition to Gold Plan 3.24 MATERNITY COVERAGE","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-section-3"},{"clause":null,"heading":"Enhanced Maternity Limit (Over and above the Limit","page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-enhanced-maternity-limit-over-and-above-the-limi"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"For renewal grace period, coverage is not available during the grace period. If premium is paid in instalment mode, coverage will be available during the grace period.","display":"Renewal: no cover during grace; instalment premium: cover available during grace","note":null,"quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the Grace Period. ... If the Premium is paid in installment mode, then the coverage will be available during grace period.","sources":[{"clause":"5.11","heading":"RENEWAL OF POLICY","page":32,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-11"},{"clause":"5.25","heading":"Premium Payment in Instalments","page":37,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-25"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room rent is limited by room category: Single AC room for sum insured of Rs. 5,00,000, Rs. 10,00,000 or Rs. 15,00,000; Deluxe AC room for sum insured of Rs. 25,00,000, Rs. 50,00,000, Rs. 75,00,000 or Rs. 1Cr.","display":"Single AC room for Rs. 5,00,000/10,00,000/15,00,000 SI; Deluxe AC room for Rs. 25,00,000/50,00,000/75,00,000/1Cr SI","note":null,"quote":"Room Rent including Boarding, DMO / RMO / CMO / RMP Charges, Nursing (Including Injection / Drugs and Intra venous fluid administration expenses) as provided by the hospital\nSum insured of Rs. 5,00,000 /10,00,000/15,00,000 | Single AC room\nSum insured of Rs. 25,00,000 /50,00,000/75,00,000 / 1Cr | Deluxe AC room","sources":[{"clause":"3.1","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-1"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"The allowed room category is Single AC room for Rs. 5,00,000, Rs. 10,00,000 and Rs. 15,00,000 sum insured, and Deluxe AC room for Rs. 25,00,000, Rs. 50,00,000, Rs. 75,00,000 and Rs. 1Cr sum insured.","display":"Single AC room or Deluxe AC room, depending on sum insured","note":null,"quote":"Sum insured of Rs. 5,00,000 /10,00,000/15,00,000 | Single AC room\nSum insured of Rs. 25,00,000 /50,00,000/75,00,000 / 1Cr | Deluxe AC room","sources":[{"clause":"3.1","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-1"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU and ICCU charges are covered as part of hospitalisation expenses up to the sum insured; no separate ICU per-day sub-limit is stated in the policy wording.","display":"Covered up to Sum Insured; no separate ICU per-day sub-limit stated","note":null,"quote":"Our liability for all claims admitted during the Period of Insurance will be only up to Sum Insured as mentioned in the Schedule. ... 3.1 (b) | Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU), Intensivist charges, Monitor and Pulse Oxymeter expenses.","sources":[{"clause":"3.1","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-1"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If the insured person opts for a higher room than the eligible category, proportionate deduction applies on associated medical expenses in the same proportion as eligible room rent bears to actual room rent. It does not apply to cost of pharmacy and consumables, implants and medical devices, diagnostics, hospitals without differential billing, or expenses where differential billing is not adopted.","display":"Applies to associated medical expenses if a higher room than eligible category is chosen","note":"Also not applied for hospitals which do not follow differential billing or where differential billing is not adopted based on room category.","quote":"Proportionate Deduction is applicable on the Associate Medical Expenses, if the Insured Person opts for a higher Room than his eligible category. It shall be effected in the same proportion as the eligible rate per day bears to the actual rate per day of Room Rent. However, it is not applicable on\n1. Cost of Pharmacy and Consumables\n2. Cost of Implants and Medical Devices\n3. Cost of Diagnostics","sources":[{"clause":"3.2","heading":"PROPORTIONATE DEDUCTION","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-2"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"No co-pay applies if the insured person opts for Zone I and takes treatment anywhere in India. If a person opting Zone II takes treatment in Zone I, a 10% co-pay applies on the admissible claim, except for immediate hospitalisation arising out of accident and illnesses or treatments having sub-limits.","display":"10% co-pay if Zone II is opted and treatment is taken in Zone I; otherwise no co-pay as stated","note":null,"quote":"i) Insured Person opting for Zone I can avail treatment anywhere in India and No Co-pay shall be applicable.\nii) In case the Insured Person opting Zone II takes treatment in Zone I, Co-pay of 10% shall be applicable on admissible claim.\niii) Co-Pay shall not be applicable for immediate hospitalization arising out of Accident.\niv) Co-Pay shall also not be applicable for Illness or Treatments having sub-limits.","sources":[{"clause":"5.27","heading":"ZONE CLASSIFICATION","page":37,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-27"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"No deductible is applicable.","display":"Not applicable","note":"Stated in the Customer Information Sheet.","quote":"iii. Deductible/ Any Other limit as applicable | Not applicable","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13436#c-customer-information-sheet-know-your-policy-2"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Cataract: Rs. 50,000 to Rs. 1,50,000 by sum insured band","Artificial life maintenance: up to 25% of the Sum Insured and for a maximum of 15 days per policy period","Puberty and Menopause related Disorders: up to 25% of Sum Insured per policy period","Age Related Macular Degeneration (ARMD): up to a maximum of 20% of sum insured per policy period","Genetic diseases or disorders: 25% of Sum Insured per policy period","Treatment of Mental Illness: up to 25% of Sum Insured per policy period"],"display":"Cataract Rs. 50,000 to Rs. 1,50,000; artificial life maintenance 25% SI and 15 days; puberty/menopause 25% SI; ARMD 20% SI; genetic disorders 25% SI; mental illness 25% SI","note":"Other procedure limits also apply for modern treatments and plan-specific benefits.","quote":"Our liability for payment of any claim within the Period of Insurance, relating to Cataract for each eye / per insured shall not exceed the limits mentioned below. ... 5 lakhs, 10 lakhs & 15 lakhs | Up to a maximum of Rs. 50,000 ... 1 Crore | Up to a maximum of Rs. 1,50,000 ... We cover the expenses up to 25% of the Sum Insured and for a maximum of 15 days per policy period ... Puberty and Menopause related Disorders ... This cover will have a sub-limit of up to 25% of Sum Insured per policy period. ... Age Related Macular Degeneration (ARMD) ... sub-limit of up to a maximum of 20% of sum insured per policy period. ... Genetic diseases or disorders are covered with a sub-limit of 25% of Sum Insured per policy period ... Treatment of Mental Illness ... sub-limit up to 25% of Sum Insured per policy period.","sources":[{"clause":"3.9","heading":"COVERAGE FOR CATARACT","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-9"},{"clause":"3.11(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-11-a"},{"clause":"3.11(b)","heading":"Puberty and Menopause related Disorders","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-11-b"},{"clause":"3.11(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-11-c"},{"clause":"3.11(d)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-11-d"},{"clause":"3.11(e)","heading":"Treatment of Mental Illness","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-11-e"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":null,"quote":"Pre-Hospitalization Medical expenses up to 60 days prior to the date of admission to the hospital","sources":[{"clause":"3.1","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-1"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":null,"quote":"Post-Hospitalization Medical expenses up to 90 days from the date of discharge from the hospital.","sources":[{"clause":"3.1","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-1"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day-care treatments listed in Annexure I are covered where admission may be for less than 24 consecutive hours. The policy defines day care treatment as treatment or surgery in a hospital or day care centre in less than 24 hours because of technological advancement, excluding treatment normally taken on an out-patient basis.","display":"Listed day-care treatments in Annexure I are covered for less than 24 hours","note":"Annexure I lists the covered day-care procedures.","quote":"HOSPITALISATION means admission as an Inpatient in a Hospital for a minimum period of 24 consecutive hours except for the procedures/ treatments mentioned in Annexure I, where such admission could be for a period of less than 24 consecutive hours. ... DAY CARE TREATMENT refers to medical treatment or Surgery which are:\n- undertaken under general or local anesthesia in a Hospital/ Day Care Centre in less than 24 hours because of technological advancement, and\n- which would have otherwise required a Hospitalisation of more than 24 hours. Treatment normally taken on an out-patient basis is not included in the scope of this definition. ... Annexure I LIST OF DAY CARE PROCEDURES","sources":[{"clause":"2.21","heading":"HOSPITALISATION","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-2-21"},{"clause":null,"heading":"2.13DAY CARE TREATMENT","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-2-13day-care-treatment"},{"clause":"Annexure I","heading":"LIST OF DAY CARE PROCEDURES","page":39,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-annexure-i"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalisation expenses are not covered.","display":"Not covered","note":"The quoted wording appears under specific exclusions.","quote":"Any expenses incurred on Domiciliary Hospitalization.","sources":[{"clause":"4.4.17","heading":null,"page":29,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-17"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Expenses for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicine are covered up to 100% of the sum insured during each policy year as specified in the policy schedule.","display":"Up to 100% of the Sum Insured","note":null,"quote":"Expenses incurred for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines is covered up to 100% of the Sum Insured during each policy year as specified in the policy schedule.","sources":[{"clause":"3.16","heading":"COVERAGE FOR AYUSH TREATMENT","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-16"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"The policy covers listed modern treatments or procedures, including uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, green or holmium laser prostate treatment, IONM and specified hematopoietic stem cell therapy, up to procedure-wise limits by sum insured band.","display":"12 listed modern treatments covered with procedure-wise limits","note":"The table gives different rupee limits for each procedure and sum insured band.","quote":"COVERAGE FOR MODERN TREATMENTS OR PROCEDURES: The following procedures will be\ncovered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital up to the limit specified against each procedure during the policy period. ... 3.12.1 | Uterine Artery Embolization and HIFU (High intensity focused ultrasound) ... 3.12.4 | Oral chemotherapy ... 3.12.5 | Immunotherapy- Monoclonal Antibody to be given as injection ... 3.12.7 | Robotic surgeries ... 3.12.12 | Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered","sources":[{"clause":"3.12","heading":"COVERAGE FOR MODERN TREATMENTS OR PROCEDURES: The following procedures will be","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-12"},{"clause":null,"heading":"Limit (Per Policy Period) for Sum insured bands of","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-limit-per-policy-period-for-sum-insured-bands-of"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"If treatment involves organ transplant to the insured person, the policy also pays the donor’s hospitalisation expenses, excluding cost of organ and pre- and post-hospitalisation expenses, within the available sum insured.","display":"Donor hospitalisation expenses covered within Sum Insured, excluding organ cost and pre/post hospitalisation","note":null,"quote":"If treatment involves Organ Transplant to Insured Person, then We will also pay Hospitalisation Expenses (excluding cost of organ and Pre and Post Hospitalisation Expenses) incurred on the donor, provided Our liability towards expenses incurred on the donor and the Insured recipient shall not exceed the available Sum Insured.","sources":[{"clause":"3.4","heading":"MEDICAL EXPENSES FOR ORGAN TRANSPLANT","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-4"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance charges are covered for shifting an insured person to hospital for admission or from one hospital to another for any one illness, with limits from Rs. 5,000 to Rs. 20,000 depending on sum insured. For Gold and Platinum Plans, air ambulance charges are also covered with limits from Rs. 50,000 to Rs. 2,00,000.","display":"Road ambulance up to Rs. 5,000 to Rs. 20,000; Gold/Platinum air ambulance up to Rs. 50,000 to Rs. 2,00,000","note":"Air ambulance is available under the Gold Plan and therefore also under the Platinum Plan.","quote":"We will pay You the charges incurred towards Ambulance Services Reasonably incurred for shifting any Insured Person to Hospital for admission, or from one Hospital to another Hospital as per the limits mentioned below for Any One Illness. ... 5 lakhs, 10 lakhs & 15 lakhs | Up to a maximum of Rs. 5,000 ... 1 Crore | Up to a maximum Rs. 20,000 ... We will pay the charges incurred towards Air Ambulance Services Reasonably incurred for shifting any Insured Person to Hospital for admission, or from one Hospital to another Hospital for Any One Illness as per the limits given below. ... 5 lakhs, 10 lakhs & 15 lakhs | Up to a maximum of Rs. 50,000 ... 1 Crore | Up to maximum of Rs. 2,00,000","sources":[{"clause":"3.6","heading":"ROAD AMBULANCE CHARGES","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-6"},{"clause":null,"heading":"3.20 AIR AMBULANCE CHARGES","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-20-air-ambulance-charges"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"Base Plan reinstates the sum insured once in a policy period after full utilisation, for illnesses or injuries other than the one for which the claim was paid or admissible, and only for individual sum insured policies. Gold Plan adds auto top-up up to 10% for the same illness or injury and double reinstatement once more in a policy period.","display":"Base: one reinstatement after full utilisation for different illness/injury; Gold/Platinum: auto top-up 10% for same illness/injury and double reinstatement","note":"Gold Plan benefits apply also to Platinum Plan, which covers benefits in addition to Gold Plan. Reinstatement is not available for modern treatments listed under clause 3.12.","quote":"If the Sum Insured is exhausted due to a claim(s) admissible and/or paid under the Policy, then the Sum Insured shall be reinstated ... The Reinstatement of Sum Insured shall be available for illnesses or Injuries other than for which Claim is paid or admissible during the Policy Period. ... Such Reinstatement shall only be available once in a Policy Period and only for Policies issued on Individual Sum Insured basis. ... Sum Insured is automatically reinstated up to 10% of the Sum Insured for the treatment of same illness or injury for which claim is paid or admissible. ... If the Sum Insured + Reinstated Sum Insured is exhausted due to a claim(s) admissible and/or paid under the Policy, then the Sum Insured shall be reinstated once more in a policy period","sources":[{"clause":"3.15","heading":"REINSTATEMENT OF SUM INSURED","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-15"},{"clause":null,"heading":"3.20 AIR AMBULANCE CHARGES","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-20-air-ambulance-charges"},{"clause":null,"heading":"3.22 DOUBLE REINSTATEMENT OF SUM INSURED","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-22-double-reinstatement-of-sum-insured"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"Cumulative bonus is 25% at each claim-free renewal, subject to a maximum of 100%. If a claim is made, the accrued cumulative bonus is reduced at the same rate at which it accrued; however, Gold and Platinum Plans have guaranteed cumulative bonus where accrued cumulative bonus will not be reduced on claim.","display":"25% per claim-free year up to 100%; reduced after claim, except guaranteed in Gold and Platinum","note":null,"quote":"Insured Person will be entitled for cumulative bonus of 25% at each claim free year Renewal, subject to maximum of 100%. If a claim is made in any particular year, the cumulative bonus accrued at the time of renewal shall be reduced at the same rate at which it is accrued. ... In the event of claim under the policy, the accrued cumulative bonus will not be reduced. ... Note: Guaranteed Cumulative bonus is applicable for Gold and Platinum plan.","sources":[{"clause":"5.24","heading":"CUMLATIVE BONUS","page":36,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-24"},{"clause":"5(d)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-d"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Cost of pharmacy and consumables, including anaesthesia, blood, oxygen, implants, medical devices and diagnostics, is covered. However, Annexure II lists items for which coverage is not available, including GLOVES and MASK.","display":"Consumables covered, but listed non-medical items such as GLOVES and MASK are not covered","note":"Other Annexure II items may be excluded or subsumed into room, procedure or treatment costs.","quote":"Cost of Pharmacy and Consumables including Anaesthesia, Blood, Oxygen, Cost of Implants and Medical Devices and Cost of Diagnostics. ... List I – Items for which coverage is not available in the policy ... 56 | GLOVES ... 60 | MASK","sources":[{"clause":"3.1","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-1"},{"clause":"Annexure II","heading":null,"page":45,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-annexure-ii"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity is covered only under the Platinum Plan after 24 months of continuous coverage under that plan. Limits are Rs. 25,000 for a single baby for Rs. 5/10/15/25/50 Lakhs sum insured, Rs. 37,500 for Rs. 75 Lakhs, and Rs. 50,000 for Rs. 1Crore; higher limits apply for twin babies.","display":"Platinum Plan only; 24 months waiting; single baby Rs. 25,000/Rs. 37,500/Rs. 50,000 by SI, twin babies Rs. 37,500/Rs. 50,000/Rs. 62,500","note":"Benefit is limited to two claims paid or admissible under the policy, and a 24 month waiting period applies afresh for the second maternity claim. Enhanced Maternity Limit is available as an optional cover at additional premium.","quote":"Expenses shall be covered after twenty-four months of Continuous Coverage under this Plan. Our maximum liability for towards Maternity Expenses is as follow:\nSum Insured | Single baby | Twin Babies\n5/10/15/25/50 Lakhs | 25000 | 37500\n75 Lakhs | 37500 | 50000\n1Crore | 50000 | 62500","sources":[{"clause":"Section 3","heading":"PLATINUM PLAN Following Coverages are available under this Plan in addition to Gold Plan 3.24 MATERNITY COVERAGE","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-section-3"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"Hospitalisation expenses for a newborn baby are covered for illness or injury from birth until policy expiry, within the mother’s sum insured, if the baby is born during the policy period to a female insured person with 24 months of continuous coverage. Post-natal care, pre-term or premature care is not covered under this base newborn clause.","display":"Covered from birth within mother’s Sum Insured after 24 months continuous coverage; excludes post-natal, pre-term and pre-mature care","note":"Platinum Plan has separate Well Baby Cover for pre-term/pre-mature baby and vaccination expenses.","quote":"Hospitalisation Expenses incurred for a New Born Baby are covered for any Illness or Injury from the date of birth till the expiry of this Policy, within the Sum Insured of the mother. However, expenses incurred towards post-natal care, pre-term or pre-mature care shall not be covered. ... This coverage is available for a New Born Baby born during the Policy Period to a female Insured Person, who has twenty-four months of Continuous Coverage with Us.","sources":[{"clause":"3.17","heading":"NEW BORN BABY COVERAGE","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-17"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"Treatment of specified mental illnesses is covered after 24 months of continuous coverage, with a sub-limit up to 25% of sum insured per policy period, when treatment is at a mental health establishment or a hospital with a specific department for mental illness under a qualified mental health professional.","display":"Covered after 24 months, up to 25% of Sum Insured per policy period","note":"Psychological counselling, cognitive, family, group, behavior, palliative therapy or psychotherapy is not covered.","quote":"Treatment of Mental Illness: The Company shall indemnify the Medical Expenses incurred towards treatment of Mental Illness subject to the condition that Treatment shall be undertaken at a Hospital categorized as Mental Health Establishment or at a Hospital with a specific department for Mental Illness, under a Medical Practitioner qualified as Mental Health Professional. The following Mental Illnesses are covered after completion of 24 months of Continuous Coverage with a sub-limit up to 25% of Sum Insured per policy period.","sources":[{"clause":"3.11(e)","heading":"Treatment of Mental Illness","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-11-e"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Medical check-up costs are reimbursed at the end of every two claim-free years, with limits from Rs. 3,500 to Rs. 10,000 depending on sum insured.","display":"Every two Claim Free Years; Rs. 3,500 to Rs. 10,000 by sum insured","note":"Payment under this clause is not treated as a claim, and unutilized amount is not carried forward.","quote":"The Insured Person(s) shall be entitled for reimbursement of the\ncost of medical check-up at the end of a block of every two Claim Free Years. Such payment shall be restricted to the limits mentioned below. ... 5 lakhs, 10 lakhs & 15 lakhs | Up to a maximum of Rs. 3,500 ... 1 Crore | Up to a maximum of Rs. 10,000","sources":[{"clause":"3.13","heading":"COST OF HEALTH CHECK-UP- The Insured Person(s) shall be entitled for reimbursement of the","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-13"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"There is no general OPD cover; procedures or treatments usually done in the outpatient department are not payable even if converted to inpatient for more than 24 hours. Platinum Plan infertility treatment includes OPD treatment within its infertility benefit limit.","display":"No general OPD; Platinum infertility treatment includes OPD within its limit","note":"Infertility treatment is available under the Platinum Plan after 24 months of continuous coverage under that plan.","quote":"Procedures/treatments usually done in outpatient department are not payable under\nthe Policy even if converted as an in-patient in the Hospital for more than 24 hours. ... We shall provide expenses necessarily incurred for treatment of Infertility (including OPD Treatment) as per limits mentioned below.","sources":[{"clause":"4.4.30","heading":"Procedures/treatments usually done in outpatient department are not payable under","page":29,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-4-4-30"},{"clause":null,"heading":"3.25 INFERTILITY TREATMENT","page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-3-25-infertility-treatment"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"Premium is computed based on the zone opted. Zone 1 includes Delhi, NCR, Mumbai, Mumbai Suburban, Thane and Navi Mumbai, Surat, Ahmedabad and Vadodara; Zone 2 is rest of India. If a Zone II insured takes treatment in Zone I, a 10% co-pay applies on the admissible claim, except as stated.","display":"Zone-based premium; Zone II treatment in Zone I has 10% co-pay","note":"Co-pay is not applicable for immediate hospitalisation arising out of accident or for illnesses or treatments having sub-limits.","quote":"For the purpose of policy issuance, the premium will be computed based on the Zone Opted by the Insured Person in the proposal form. Classification of Zones are as follows:\nZone 1: Delhi, National Capital Region (NCR), Mumbai, Mumbai Suburban, Thane and Navi Mumbai, Surat, Ahmedabad and Vadodara Zone 2: Rest of India Conditions:\ni) Insured Person opting for Zone I can avail treatment anywhere in India and No Co-pay shall be applicable.\nii) In case the Insured Person opting Zone II takes treatment in Zone I, Co-pay of 10% shall be applicable on admissible claim.","sources":[{"clause":"5.27","heading":"ZONE CLASSIFICATION","page":37,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-27"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available where payment is made directly to a network hospital if applied for before treatment and accepted by the TPA. Cashless is only a mode of claim payment and cannot be demanded in every claim.","display":"Cashless at Network Hospital if applied before treatment and accepted by TPA","note":"Denial of cashless facility does not imply denial of claim; reimbursement may be submitted after treatment.","quote":"Payment shall be made directly to Network Hospital if Cashless facility is applied for before treatment and accepted by TPA. If request for Cashless facility is not accepted by TPA, bills shall be submitted to the TPA after payment of Hospital bills by you.\nNote: Cashless facility is only a mode of claim payment and cannot be demanded in every claim.","sources":[{"clause":"5.18","heading":"PLACE OF TREATMENT AND PAYMENT","page":34,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-18"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims and cashless facility are handled through the Third Party Administrator (TPA), with communications and claim papers sent to the TPA at the address shown in the schedule.","display":"Third Party Administrator (TPA)","note":null,"quote":"we will reimburse such expense through the Third-Party Administrator incurred by You in the manner stated herein. ... You must send all communications and papers regarding a claim to the TPA at the address shown in the Schedule.","sources":[{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-1"},{"clause":"5.19","heading":"COMMUNICATION","page":34,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439#c-5-19"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Individual or Floater Basis","note":"Maximum six members can be covered in a single policy.","quote":"Yes. You can cover the entire family on Individual or Floater Basis.","sources":[{"clause":"2","heading":"CAN I COVER MY FAMILY MEMBERS IN ONE POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13442#c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Clause Yuva Bharat Health Policy","pages":54,"fetched_at":"2026-10-17 19:50:42+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/yuva-bharat-health-policy/Policy%20Clause%20Yuva%20Bharat%20Health%20Policy2.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13439"},{"kind":"prospectus","label":"Prospectus Yuva Bharat Health Policy","pages":34,"fetched_at":"2026-10-17 19:50:45+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/yuva-bharat-health-policy/Prospectus%20Yuva%20Bharat%20Health%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13442"},{"kind":"cis","label":"Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 19:50:40+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/yuva-bharat-health-policy/Customer%20Information%20Sheet%20YUVA%20BHARAT%20.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13436"},{"kind":"brochure","label":"Policy Brochure","pages":2,"fetched_at":"2026-10-17 19:50:38+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/yuva-bharat-health-policy/1%20Yuva%20Bharat%20Pamphlet.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/13438"},{"kind":"premium","label":"Premium Chart","pages":null,"fetched_at":"2026-10-17 19:50:36+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/yuva-bharat-health-policy/Premium%20Chart%20Yuva%20Bharat%20Health%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/30472"},{"kind":"proposal","label":"Proposal Form Yuva Bharat Health Policy","pages":null,"fetched_at":"2026-10-17 19:50:34+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/yuva-bharat-health-policy/Proposal%20FormYuva%20Bharat%20Health%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425/document/30471"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.newindia.co.in/grievance","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Yuva Bharat Health Policy (Cashless facility available) (UIN NIAHLIP25059V032425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/yuva-bharat-health-policy-cashless-facility-available-niahlip25059v032425"}