{"uin":"NIAHLIP25060V032425","name":"Young India Digi Health Policy (Cashless facility available)","url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425","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":"Young India Digi Health Policy is a health indemnity policy for hospitalisation expenses in India with individual and family floater sum insured options of Rs. 4, 8 and 12 lakhs. It has a 30-day initial waiting period, a 24-month pre-existing disease waiting period, a 60-month moratorium, Single AC Room eligibility, and a zone-based 10% co-pay for Zone II treatment in Zone I.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:58:26.745666+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":"not-stated","value":null,"display":null,"note":"The documents state individual and floater sum insured bases, but do not name plan variants.","quote":null,"sources":[],"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":"One policy runs for one policy year as mentioned in the schedule.","display":"one policy year as mentioned in the schedule","note":null,"quote":"POLICY PERIOD means period of one policy year as mentioned in the schedule for which the Policy is issued.","sources":[{"clause":"2.57","heading":"POLICY PERIOD","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-2-57"}],"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, intimate the TPA in writing immediately or forty-eight hours before hospitalisation. For medical emergency hospitalisation, intimate within twenty-four hours from the time of hospitalisation.","display":"Immediately or 48 hours before Hospitalization; 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 Hospitalization. ... b) Intimate within twenty-four hours from the time of Hospitalization in case of Hospitalisation due to medical emergency.","sources":[{"clause":"Annexure III(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-annexure-iii-a"},{"clause":"Annexure III(b)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-annexure-iii-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/discharge certificate, cash memos with prescriptions, test reports, surgeon’s certificate and bills, and doctors’ bills/diagnosis certificate","note":"The documents must be submitted to the TPA within seven days from discharge.","quote":"i) 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":"Annexure III(c)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-annexure-iii-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 the date of receipt of the last necessary document. For delay in payment, interest is payable from the date of receipt of the last necessary document to the date of payment at 2% above the bank rate.","display":"Within 15 days from receipt of last necessary document; delay interest at 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":24,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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":["PRE-EXISTING DISEASES (Code- Excl01)","SPECIFIC WAITING PERIOD (Code- Excl02)","FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","INVESTIGATION & EVALUATION (Code- Excl04)","REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05)","CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","COSMETIC OR PLASTIC SURGERY (Code- Excl08)","HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","BREACH OF LAW (Code- Excl10)","EXCLUDED PROVIDERS (Code-Excl11)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12)","UNPROVEN TREATMENTS (Code- Excl16)","STERILITY AND INFERTILITY (Code- Excl17)","MATERNITY EXPENSES (Code - Excl18)","Any expenses incurred on Domiciliary Hospitalization."],"display":"PED, specific waiting periods, first 30 days, investigation/evaluation, rest cure, change of gender, cosmetic surgery, hazardous/adventure sports, breach of law, excluded providers, alcohol/drug abuse, unproven treatments, sterility/infertility, maternity, and domiciliary hospitalisation","note":null,"quote":"4.1 PRE-EXISTING DISEASES (Code- Excl01) ... 4.2 SPECIFIC WAITING PERIOD (Code- Excl02) ... 4.3 FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03) ... 4.4.1 INVESTIGATION & EVALUATION (Code- Excl04) ... 4.4.2 REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to any ... 4.4.4 CHANGE-OF-GENDER TREATMENTS (Code- Excl07) ... 4.4.5 COSMETIC OR PLASTIC SURGERY (Code- Excl08) ... 4.4.6 HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09) ... 4.4.7 BREACH OF LAW (Code- Excl10) ... 4.4.8 EXCLUDED PROVIDERS (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... 4.4.13 UNPROVEN TREATMENTS (Code- Excl16) ... 4.4.14 STERILITY AND INFERTILITY (Code- Excl17) ... 4.4.15 MATERNITY EXPENSES (Code - Excl18) ... Any expenses incurred on Domiciliary Hospitalization.","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-1"},{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-2"},{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-3"},{"clause":"4.4.1","heading":"INVESTIGATION & EVALUATION (Code- Excl04)","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-1"},{"clause":"4.4.2","heading":"REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to any","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-2"},{"clause":"4.4.4","heading":"CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-4"},{"clause":"4.4.5","heading":"COSMETIC OR PLASTIC SURGERY (Code- Excl08)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-5"},{"clause":"4.4.6","heading":"HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-6"},{"clause":"4.4.7","heading":"BREACH OF LAW (Code- Excl10)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-7"},{"clause":"4.4.8","heading":"EXCLUDED PROVIDERS (Code-Excl11)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-8"},{"clause":"4.4.9","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-9"},{"clause":"4.4.13","heading":"UNPROVEN TREATMENTS (Code- Excl16)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-13"},{"clause":"4.4.14","heading":"STERILITY AND INFERTILITY (Code- Excl17)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-14"},{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-15"},{"clause":"4.4.17","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-17"}],"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":"For a grievance, contact the company through its grievance website, toll free number, e-mail/fax/courier, or the grievance cell at a branch. If not satisfied with these methods, contact the grievance officer; thereafter the Insurance Ombudsman may be approached.","display":"Company grievance website/toll free/branch grievance cell first; then grievance officer; then Insurance 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 ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance.\nlf lnsured person is not satisfied with the redressal of grievance through one of the above\nmethods, insured | person may | contact the | grievance\nofficer | at https://www.newindia.co.in/portal/readMore/Grievances","sources":[{"clause":"5.14","heading":"REDRESSAL OF GRIEVANCE","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-5-14"},{"clause":null,"heading":"Website","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-website"},{"clause":null,"heading":"Toll free","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-toll-free"},{"clause":null,"heading":"E-mail, Fax and Courier","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-e-mail-fax-and-courier"}],"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":"You can choose Sum Insured of Rs. 4/8/12 Lakhs.","display":"Rs. 4/8/12 Lakhs","note":"From the prospectus; the policy wording refers to the Sum Insured shown in the schedule.","quote":"You can choose Sum Insured of Rs. 4/8/12 Lakhs.","sources":[{"clause":"19","heading":"WHAT SUM INSURED SHOULD I CHOOSE?","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13437#c-19"}],"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":"Not applicable to accident claims, and not applicable 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":18,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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 PED 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 commencement of the policy.","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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":"Other listed conditions have 12 months and 24 months waiting periods.","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. ... i) 90 Days Waiting Period","sources":[{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-2"},{"clause":"4.2(e)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-2-e-i"}],"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","Joint Replacement due to Degenerative Condition","Age-related Osteoarthritis & Osteoporosis","Treatment of Mental Illness (ICD Code: F01-F29 & F60-F79)","Age Related Macular Degeneration (ARMD)","Genetic diseases or disorders","External Congenital Diseases"],"display":"Diabetes, hypertension and cardiac conditions have 90 days; the listed benign tumours/ENT/prostate/cataract/ulcer/gout/hernia/hydrocele/arthritis/piles/sinusitis/spinal/skin/gall bladder/urinary/uterus/varicose/renal/puberty/internal congenital conditions have 12 months; the listed joint replacement/osteoarthritis/mental illness/ARMD/genetic/external congenital conditions 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 ... iii) 24 Months waiting period\n1. Joint Replacement due to Degenerative Condition\n2. Age-related Osteoarthritis & Osteoporosis\n3. Treatment of Mental Illness (ICD Code: F01-F29 & F60-F79)\n4. Age Related Macular Degeneration (ARMD)\n5. Genetic diseases or disorders\n6. External Congenital Diseases","sources":[{"clause":"4.2(e)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-2-e-i"},{"clause":"4.2(e)(ii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-2-e-ii"},{"clause":"4.2(e)(iii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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":"sixty continuous months","note":"For enhanced sum insured, the sixty continuous months runs from the date of enhancement for 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":23,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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":"You can port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under an Indian general or health insurer, credit gained for sum insured, no claim bonus, specific waiting period for pre-existing diseases and moratorium period can be transferred.","display":"Port to other Insurers; apply at least 30 days before, but not earlier than 60 days from renewal date; transfer credit gained","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. If policyholder is presently covered and has been continuously covered without any lapses under any Health Insurance policy with an Indian General or Health Insurer, then 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":"Annexure III","heading":null,"page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-annexure-iii"}],"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, no age limit for renewal","note":"From the prospectus; the wording states the policy shall ordinarily be renewable except on grounds of fraud or misrepresentation.","quote":"No. Your Policy can be renewed, as long as you pay the Renewal Premium before the date of expiry of the Policy. There is an age limit for taking a fresh Policy, but there is no age limit for renewal.","sources":[{"clause":"27","heading":"IS THERE AN AGE LIMIT UPTO WHICH THE POLICY WOULD BE RENEWED?","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13437#c-27"}],"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":"No loading shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"v) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.11","heading":"RENEWAL OF POLICY","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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":"quote-verified","value":["INVESTIGATION & EVALUATION (Code- Excl04)","REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05)","OBESITY/ WEIGHT CONTROL (Code- Excl06)","CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","COSMETIC OR PLASTIC SURGERY (Code- Excl08)","HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","BREACH OF LAW (Code- Excl10)","EXCLUDED PROVIDERS (Code-Excl11)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12)","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","REFRACTIVE ERROR (Code- Excl15)","UNPROVEN TREATMENTS (Code- Excl16)","STERILITY AND INFERTILITY (Code- Excl17)","MATERNITY EXPENSES (Code - Excl18)","Any expenses incurred on Domiciliary Hospitalization.","Treatment taken outside the geographical limits of India","Vaccination and/or inoculation"],"display":"Permanent exclusions include Excl04 to Excl18 and product-specific exclusions such as domiciliary hospitalisation, treatment outside India, and vaccination/inoculation","note":"Excl06 is a conditional exclusion: bariatric/obesity surgery is excluded unless the listed conditions are met; the clause also states a 24-month waiting period for admissible cover.","quote":"4.4.1 INVESTIGATION & EVALUATION (Code- Excl04) ... 4.4.2 REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to any ... 4.4.3 OBESITY/ WEIGHT CONTROL (Code- Excl06) Expenses related to the surgical treatment of ... 4.4.4 CHANGE-OF-GENDER TREATMENTS (Code- Excl07) ... 4.4.5 COSMETIC OR PLASTIC SURGERY (Code- Excl08) ... 4.4.6 HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09) ... 4.4.7 BREACH OF LAW (Code- Excl10) ... 4.4.8 EXCLUDED PROVIDERS (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments ... Dietary supplements and substances that can be purchased without prescription ... 4.4.12 REFRACTIVE ERROR (Code- Excl15) ... 4.4.13 UNPROVEN TREATMENTS (Code- Excl16) ... 4.4.14 STERILITY AND INFERTILITY (Code- Excl17) ... 4.4.15 MATERNITY EXPENSES (Code - Excl18) ... Any expenses incurred on Domiciliary Hospitalization. ... Treatment taken outside the geographical limits of India ... Vaccination and/or inoculation","sources":[{"clause":"4.4.1","heading":"INVESTIGATION & EVALUATION (Code- Excl04)","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-1"},{"clause":"4.4.2","heading":"REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to any","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-2"},{"clause":"4.4.3","heading":"OBESITY/ WEIGHT CONTROL (Code- Excl06) Expenses related to the surgical treatment of","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-3"},{"clause":"4.4.4","heading":"CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-4"},{"clause":"4.4.5","heading":"COSMETIC OR PLASTIC SURGERY (Code- Excl08)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-5"},{"clause":"4.4.6","heading":"HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-6"},{"clause":"4.4.7","heading":"BREACH OF LAW (Code- Excl10)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-7"},{"clause":"4.4.8","heading":"EXCLUDED PROVIDERS (Code-Excl11)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-8"},{"clause":"4.4.9","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-9"},{"clause":"4.4.10","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-10"},{"clause":"4.4.11","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-11"},{"clause":"4.4.12","heading":"REFRACTIVE ERROR (Code- Excl15)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-12"},{"clause":"4.4.13","heading":"UNPROVEN TREATMENTS (Code- Excl16)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-13"},{"clause":"4.4.14","heading":"STERILITY AND INFERTILITY (Code- Excl17)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-14"},{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-15"},{"clause":"4.4.17","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-17"},{"clause":"4.4.27","heading":"Treatment taken outside the geographical limits of India","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-27"},{"clause":"4.4.28","heading":"Vaccination and/or inoculation","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-28"}],"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 during the term by giving 7 days’ notice in writing. For terms up to one year, proportionate premium for the unexpired period is refunded if no claim has been made; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days’ notice; proportionate refund for unexpired period if term up to one year and no claim; no refund if a 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. ... Refund 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. ... 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":21,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-5-1"},{"clause":"5.1(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-5-1-a"},{"clause":"5.1(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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":"This policy covers medical or surgical treatment and services rendered only in India, and admissible claims are payable only in Indian Rupees.","display":"Only in India","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":null,"heading":"SPECIFIC TERMS AND CLAUSES","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-specific-terms-and-clauses"}],"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, except policies of less than a year, renewals, or at the time of porting/migrating.","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.\nA 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":22,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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","note":"Monthly premium payment mode has fifteen days.","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":"2.16","heading":"GRACE PERIOD","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-2-16"}],"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":"Fresh insurance is available to persons between 18 years and 45 years. 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":"18 years to 45 years; children 3 months up to 25 years as dependants","note":"The upper age limit will not apply to a mentally challenged children and an unmarried daughter(s).","quote":"This insurance is available to persons between the age of 18 years and 45 years. 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/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13437#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":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly","note":"The documents state these instalment modes; they do not expressly list an annual mode as a premium mode.","quote":"If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in Your Policy Schedule, the following Conditions shall apply","sources":[{"clause":null,"heading":"5.27 PREMIUM PAYMENT IN INSTALLMENTS","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-5-27-premium-payment-in-installments"}],"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":["Durable Medical Devices","Critical Illness Benefit","Non-Medical Expenses","Maternity Rider","Modern Treatment Rider","No proportionate deduction","Pre-Post Hospitalisation-90/180 days"],"display":"Durable Medical Devices, Critical Illness Benefit, Non-Medical Expenses, Maternity Rider, Modern Treatment Rider, No proportionate deduction, Pre-Post Hospitalisation-90/180 days","note":"From the sales brochure. These are riders or enhancements, not base policy covers.","quote":"EXTRA RIDERS FOR ENHANCEMENT OF COVER\nDurable Medical Devices | Critical Illness Benefit\nNon-Medical Expenses | Maternity Rider\nModern Treatment Rider | No proportionate deduction\nPre-Post Hospitalisation-90/180 days","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13432#c-s1"}],"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. For instalment premiums, coverage will be available during the 15-day monthly or 30-day quarterly/half-yearly instalment grace period.","display":"Renewal: coverage not available; instalment grace period: coverage available","note":"The policy distinguishes renewal grace from instalment premium grace.","quote":"Coverage is not available during the Grace Period. ... Grace Period of 15 days for monthly instalment and 30 days for quarterly and half-yearly mode will be given to pay the installment premium due for the Policy. During such Grace Period, Coverage will be available.","sources":[{"clause":"5.11","heading":"RENEWAL OF POLICY","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-5-11"},{"clause":null,"heading":"5.27 PREMIUM PAYMENT IN INSTALLMENTS","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-5-27-premium-payment-in-installments"}],"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":"The eligible room is Single AC Room including boarding, DMO/RMO/CMO/RMP charges and nursing as provided by the hospital.","display":"Single AC Room","note":"Subject to the sum insured and policy terms.","quote":"3.1 (a) | Single AC Room including Boarding, DMO / RMO / CMO / RMP Charges, Nursing (Including Injection / Drugs and Intra venous fluid administration expenses) as provided by the hospital","sources":[{"clause":"3.1","heading":null,"page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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":"Single AC Room is the room category allowed.","display":"Single AC Room","note":null,"quote":"3.1 (a) | Single AC Room including Boarding, DMO / RMO / CMO / RMP Charges, Nursing (Including Injection / Drugs and Intra venous fluid administration expenses) as provided by the hospital","sources":[{"clause":"3.1","heading":null,"page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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 is payable at actuals according to the CIS, subject to the policy wording which covers ICU/ICCU, intensivist charges, monitor and pulse oxymeter expenses.","display":"ICU-Actuals","note":"CIS gives the explicit ICU limit as actuals; policy wording is higher authority and lists ICU/ICCU expenses without a separate rupee cap.","quote":"Intensive Care Unit (ICU)-Actuals ... 3.1 (b) | Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU), Intensivist charges, Monitor and Pulse Oxymeter expenses.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13431#c-customer-information-sheet-know-your-policy"},{"clause":"3.1","heading":null,"page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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 Associate Medical Expenses in the same proportion as the eligible room rate bears to the actual room rent. It is not applied to pharmacy and consumables, implants and medical devices, or diagnostics, and not applied where hospitals do not follow differential billing.","display":"Applicable on Associate Medical Expenses if a higher room is chosen; not on pharmacy/consumables, implants/devices, diagnostics","note":"Also not applied for hospitals which do not follow differential billing or expenses without differential billing by 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":12,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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":"Zone I insured persons can take treatment anywhere in India with no co-pay. If a Zone II insured person takes treatment in Zone I, a 10% co-pay applies on admissible claim; it does not apply to immediate accident hospitalisation or illness/treatments with sub-limits.","display":"10% co-pay if Zone II takes treatment in Zone I; no co-pay for Zone I, immediate accident hospitalisation, or illnesses/treatments with sub-limits","note":null,"quote":"a) Insured Person opting for Zone I can avail treatment anywhere in India and No Co-pay shall be applicable.\nb) In case the Insured Person opting Zone II takes treatment in Zone I, Co-pay of 10% shall be applicable on admissible claim.\nc) Co-Pay shall not be applicable for immediate hospitalization arising out of Accident.\nd) Co-Pay shall also not be applicable for Illness or Treatments having sub-limits.","sources":[{"clause":null,"heading":"5.27 PREMIUM PAYMENT IN INSTALLMENTS","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-5-27-premium-payment-in-installments"}],"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":"Not applicable.","display":"Not applicable","note":"Stated in the CIS.","quote":"iii. Deductible/ Any Otherlimit as applicable | Not applicable","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13431#c-customer-information-sheet-know-your-policy"}],"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: 10% of the Sum Insured or Rs. 50,000/- whichever is less","Hazardous sports: 10% of the Sum Insured during a policy period","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: 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","Modern treatments or procedures: limits specified against each procedure"],"display":"Cataract 10% SI or Rs. 50,000; hazardous sports 10% SI; artificial life maintenance 25% SI and 15 days; puberty/menopause 25% SI; ARMD 20% SI; genetic diseases 25% SI; mental illness 25% SI; modern treatment limits as listed","note":null,"quote":"Our liability for payment of any claim within the Period of Insurance, relating to Cataract for each eye/per insured shall not exceed 10% of the Sum Insured or Rs. 50,000/- whichever is less. ... Our liability under this Clause shall not exceed 10% of the Sum Insured during a policy period. ... We cover the expenses up to 25% of the Sum Insured and for a maximum of 15 days per policy period for covered illness. ... This cover will have a sub-limit of up to 25% of Sum Insured per policy period. ... This cover will have a 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 with 24 months waiting periods. ... 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. ... covered (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.","sources":[{"clause":"3.8","heading":"COVERAGE FOR CATARACT","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-8"},{"clause":"3.9","heading":"COVERAGE FOR HAZARDOUS SPORTS","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-9"},{"clause":"3.10(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-10-a"},{"clause":"3.10(b)","heading":"Puberty and Menopause related Disorders","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-10-b"},{"clause":"3.10(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-10-c"},{"clause":"3.10(d)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-10-d"},{"clause":"3.10(e)","heading":"Treatment of Mental Illness","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-10-e"},{"clause":"3.11","heading":"COVERAGE FOR MODERN TREATMENTS OR PROCEDURES: The following procedures will be","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-11"}],"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":"Expenses must be for the same condition and the inpatient hospitalisation claim must be admissible.","quote":"Such Medical Expenses are incurred not earlier than sixty days before the Date of Hospitalisation.","sources":[{"clause":"2.37","heading":"PRE-HOSPITALISATION MEDICAL EXPENSES","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-2-37"}],"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":"Expenses must be for the same condition and the inpatient hospitalisation claim must be admissible.","quote":"Such Medical Expenses are incurred not later than ninety days after the date of discharge from the Hospital.","sources":[{"clause":"2.38","heading":"POST-HOSPITALISATION MEDICAL EXPENSES","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-2-38"}],"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 treatment is covered for procedures or treatments mentioned in Annexure I where admission can be for less than 24 consecutive hours. Treatment normally taken on an outpatient basis is not included.","display":"Listed Annexure I day-care procedures covered for less than 24 hours","note":"The policy contains an Annexure I list of 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. ... Treatment normally taken on an out-patient basis is not included in the scope of this definition.","sources":[{"clause":"2.18","heading":"HOSPITALISATION","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-2-18"},{"clause":"2.10","heading":"CUMULATIVE BONUS","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-2-10"}],"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 is not covered.","display":"Not covered","note":"Listed under specific exclusions.","quote":"Any expenses incurred on Domiciliary Hospitalization.","sources":[{"clause":"4.4.17","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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":"Inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy is covered up to 100% of Sum Insured during each policy year as specified in the policy schedule.","display":"AYUSH inpatient treatment covered up to 100% of Sum Insured","note":null,"quote":"Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines is covered up to 100% of Sum Insured, during each policy year as specified in the policy schedule.","sources":[{"clause":"3.15","heading":"COVERAGE UNDER AYUSH TREATMENT","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-15"}],"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":"Modern treatments are covered where medically indicated as inpatient or day-care treatment in a hospital, up to the limit specified for each procedure. The listed caps include Upto 20% of Sum Insured subject to Rs. 1 Lakh, Upto 25% subject to Rs. 2 Lakh, oral chemotherapy Upto 10% subject to Rs. 50,000, IONM Upto 5% subject to Rs. 30,000, and stem cell therapy Upto 25% subject to Rs. 1.5 Lakh.","display":"Covered as inpatient/day-care with listed caps, including Rs. 1 Lakh, Rs. 2 Lakh, Rs. 50,000, Rs. 30,000 and Rs. 1.5 Lakh limits by procedure","note":"The policy table lists 12 modern treatments/procedures with procedure-specific limits.","quote":"covered (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. ... Uterine Artery Embolization and HIFU (High intensity focused ultrasound) | Upto 20% of Sum Insured subject to a Maximum upto Rs. 1 Lakh ... Deep Brain stimulation | Upto 25% of Sum Insured subject to a maximum upto Rs. 2 Lakh ... Oral chemotherapy | Upto 10% of Sum Insured subject to Maximum upto Rs. 50,000 ... IONM - (Intra Operative Neuro Monitoring) | Upto 5% of Sum Insured subject to Maximum of Rs. 30,000. ... Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered | Upto 25% of Sum Insured subject to Maximum of Rs. 1.5 Lakh.","sources":[{"clause":"3.11","heading":"COVERAGE FOR MODERN TREATMENTS OR PROCEDURES: The following procedures will be","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-11"}],"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, provided donor and recipient expenses together do not exceed the available sum insured.","display":"Donor hospitalisation expenses covered, excluding cost of organ, within available Sum Insured","note":null,"quote":"If treatment involves Organ Transplant to Insured Person, then We will also pay Hospitalisation Expenses (excluding cost of organ) 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":12,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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 payable for shifting the insured person to hospital for admission or from one hospital to another hospital for any one illness, not exceeding 1% of the Sum Insured up to Rs. 5,000. An additional reimbursement at 1% of Sum Insured up to Rs. 5,000 is available for ambulance from hospital to residence at discharge if certified by the medical practitioner.","display":"Road ambulance: 1% of Sum Insured up to Rs. 5,000; additional 1% up to Rs. 5,000 on discharge to residence if certified","note":null,"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 for Any One Illness not exceeding 1% of the Sum Insured up to a maximum of Rs. 5,000/-. ... such expenses will also be reimbursed additionally at 1% of Sum Insured maximum up to Rs. 5,000, provided the requirement of an Ambulance is certified by the Medical Practitioner.","sources":[{"clause":"3.6","heading":"ROAD AMBULANCE CHARGES","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-6"}],"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":"If the sum insured is exhausted due to admissible and paid claims, it is reinstated once in a policy period, only after full utilization, only for policies issued on individual sum insured basis, and only for illnesses or injuries other than those for which a claim is paid or admissible. It is not available for modern treatments listed under clause 3.11.","display":"Once per policy period after full utilization; individual sum insured only; for other illnesses/injuries; not for modern treatments","note":null,"quote":"If the Sum Insured is exhausted due to a claim(s) admissible and paid under the Policy, then the Sum Insured shall be reinstated, subject to the following conditions: ... 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. ... Reinstatement of Sum Insured is not available for Modern Treatments listed under 3.11 of the Policy Clause.","sources":[{"clause":"3.14","heading":"REINSTATEMENT OF SUM INSURED","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-14"}],"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":"The insured person gets Cumulative Bonus of 25% for each claim free year, subject to a maximum of 100%. If a claim is made, the accrued cumulative bonus is reduced at the same rate; there is also an option to take a premium discount at renewal in lieu of accrued cumulative bonus.","display":"25% each claim free year, maximum 100%; reduced at same rate after a claim","note":"CB is available only if the policy is renewed within the Grace Period.","quote":"Insured Person will be entitled for Cumulative Bonus of 25% at each claim free year of insurance, subject to maximum of 100%. If a claim is made in any particular year; the cumulative bonus accrued shall be reduced at the same rate at which it is accrued. ... You also have the option of opting for a premium discount at the time of renewal in lieu of the accrued Cumulative Bonus (if available).","sources":[{"clause":"3.16","heading":"CUMULATIVE BONUS","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-16"}],"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 is covered, including anaesthesia, blood, oxygen, implants, medical devices and diagnostics. However, specified non-medical items such as GLOVES and MASK in List I are items for which coverage is not available.","display":"Pharmacy and consumables covered, but List I non-medical items such as GLOVES and MASK are not covered","note":"Other listed items are subsumed into room charges, procedure charges or costs of treatment under Annexure II.","quote":"3.1 (d) | Cost of Pharmacy and Consumables including Anaesthesia, Blood and 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":11,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-1"},{"clause":"Annexure II","heading":null,"page":34,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#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":"Base policy maternity expenses are excluded: childbirth expenses including complicated deliveries and caesarean sections are excluded except ectopic pregnancy; miscarriage unless due to an accident and lawful medical termination of pregnancy are also excluded.","display":"Not covered, except ectopic pregnancy; miscarriage only if due to accident","note":"The sales brochure lists a Maternity Rider as an extra rider, but the base policy exclusion applies unless such rider is bought.","quote":"a) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;\nb) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-4-4-15"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"A newborn baby is covered for any illness or injury from the date of birth till the expiry of the policy, within policy terms. Post-natal care, pre-term or pre-mature care, and expenses connected with delivery are not covered; coverage in subsequent renewals is unavailable unless the child is declared and covered as an insured person.","display":"Covered from birth till policy expiry for illness or injury; delivery/post-natal/pre-term expenses not covered","note":"Applies to a baby born during the policy period to a female insured person with twenty-four months of continuous coverage with the insurer.","quote":"A New Born Baby is covered for any Illness or Injury from the date of birth till the expiry of this Policy, within the terms of this Policy. Any expense incurred towards post-natal care, pre-term or pre-mature care or any such expense incurred in connection with delivery of such New Born Baby would not be covered. ... No coverage for the New Born Baby would be available during subsequent renewals unless the child is declared for insurance and covered as an Insured Person. ... New Born Baby means a 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":16,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-17"},{"clause":null,"heading":"Note","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-note"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"Treatment of listed mental illnesses is covered after 24 months of continuous coverage with a sub-limit up to 25% of Sum Insured per policy period, if undertaken at a mental health establishment or hospital department under a qualified mental health professional. Psychological counselling, cognitive/family/group/behaviour/palliative therapy or psychotherapy is not covered.","display":"Covered after 24 months, up to 25% of Sum Insured per policy period, for listed ICD codes; counselling/therapy excluded","note":"Listed ICD codes are F01-F09, F10-F19, F20-F29, F60-F69 and F70-F79.","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. ... Any kind of Psychological counselling, cognitive/ family/ group/ behaviour/ palliative therapy or psychotherapy shall not be covered.","sources":[{"clause":"3.10(e)","heading":"Treatment of Mental Illness","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-10-e"},{"clause":null,"heading":"Exclusions","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-exclusions"}],"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":"The insured person is entitled to reimbursement of medical check-up cost at the end of a block of every two claim free years, restricted to Rs. 3,500.","display":"Every two Claim Free Years, up to Rs. 3,500","note":"The unutilized amount cannot be carried forward.","quote":"The Insured Person(s) shall be entitled for reimbursement of the cost of Medical check-up at the end of a block of every two Claim Free Years. Such payment shall be restricted to Rs. 3,500.","sources":[{"clause":"3.12","heading":"HEALTH CHECK-UP","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-3-12"}],"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":"The policy does not cover outpatient treatments.","display":"Outpatient treatments not covered","note":"From the prospectus; the wording also states treatment normally taken on an out-patient basis is not included in day-care treatment.","quote":"Yes. Unless the Insured Person is Hospitalised for a condition warranting Hospitalisation, no claim is payable under the Policy. The Policy does not cover outpatient treatments.","sources":[{"clause":"9","heading":"IS HOSPITALISATION ALWAYS NECESSARY TO GET A CLAIM?","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13437#c-9"}],"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 in the proposal form. Zone 1 includes Delhi, NCR, Mumbai, Mumbai Suburban, Thane and Navi Mumbai, Surat, Ahmedabad and Vadodara; Zone 2 is rest of India. A Zone II insured person taking treatment in Zone I has 10% co-pay on admissible claim.","display":"Premium based on Zone opted; Zone I listed cities, Zone II rest of India; 10% co-pay for Zone II treatment in Zone I","note":null,"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\nZone 2: Rest of India ... 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":null,"heading":"5.27 PREMIUM PAYMENT IN INSTALLMENTS","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-5-27-premium-payment-in-installments"}],"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 payment is made directly to the network hospital if cashless facility is applied for before treatment and accepted by the TPA. Cashless is only a mode of claim payment and cannot be demanded in every claim; denial of cashless does not imply denial of the claim.","display":"Available at network hospitals if applied before treatment and accepted by TPA","note":null,"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. ... Denial of Cashless facility would not imply denial of claim.","sources":[{"clause":null,"heading":"SPECIFIC TERMS AND CLAUSES","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-specific-terms-and-clauses"}],"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 are handled through the Third Party Administrator: cashless requests are accepted or declined by the TPA, claim communications and papers must be sent to the TPA, and supporting documents must be submitted to the TPA.","display":"Third Party Administrator (TPA)","note":null,"quote":"Payment shall be made directly to Network Hospital if Cashless facility is applied for before treatment and accepted by TPA. ... You must send all communications and papers regarding a claim to the TPA at the address shown in the Schedule. ... Submit following supporting documents TPA relating to the claim within seven days from the date of discharge from the Hospital:","sources":[{"clause":null,"heading":"SPECIFIC TERMS AND CLAUSES","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-specific-terms-and-clauses"},{"clause":"Annexure III(c)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434#c-annexure-iii-c"}],"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, entire family under a Single Sum Insured; maximum six members","note":"From the prospectus; the CIS also states individual and floater sum insured options are available.","quote":"Yes. You can cover the entire family under a Single Sum Insured. The members of the family who could be covered under the Policy are:\na) Proposer\nb) Proposer’s Spouse\nc) Proposer’s Dependent Children Maximum six members can be covered in a single policy.","sources":[{"clause":"2","heading":"CAN I COVER MY FAMILY MEMBERS IN ONE POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13437#c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document Young India Digi Health Policy","pages":38,"fetched_at":"2026-10-17 19:50:32+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/young-india-digi-health-policy/Policy%20clause%20Young%20India.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13434"},{"kind":"prospectus","label":"Prospectus Young India Digi Health","pages":25,"fetched_at":"2026-10-17 19:50:35+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/young-india-digi-health-policy/Prospectus%20Young%20India%20Digi%20Health.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13437"},{"kind":"cis","label":"Customer Information Sheet","pages":3,"fetched_at":"2026-10-17 19:50:31+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/young-india-digi-health-policy/Customer%20informatoin%20sheet%20Young%20India%20Digi.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13431"},{"kind":"brochure","label":"Young India Digi Health Brochure","pages":2,"fetched_at":"2026-10-17 19:50:29+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/young-india-digi-health-policy/1%20Young%20India%20Digi%20Pamphlet.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425/document/13432"}],"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":"Young India Digi Health Policy (Cashless facility available) (UIN NIAHLIP25060V032425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/young-india-digi-health-policy-cashless-facility-available-niahlip25060v032425"}