is the insurer's premium health policy for young adults aged 18–43 — going beyond the standard NYIMP with actual single AC room charges (no room rent cap), infertility treatment coverage, 2 maternity deliveries (vs NYIMP's 1), domestic travel benefit, and a 10%/year cumulative bonus reaching 40% in just 4 years. Instalment premium available. The same young-adult focus, elevated coverage.
the insurer Health· (3×)· the insurer Page
"National Young India Mediclaim Plus Policy is an Indemnity Health Insurance Policy and can be issued on Individual or Floater basis. The Policy covers expenses incurred due to Hospitalisation for In-Patient Care (Allopathy, Ayurveda and Homeopathy) or Day Care Treatment which has been reasonably and customarily incurred for treatment of an Illness contracted/Injury sustained during the Policy Period." is the premium version of the insurer's Young India health product — adding no-cap room charges, infertility, a second maternity delivery, domestic travel benefit, and a faster cumulative bonus structure.
"Actual room charges for lowest Single AC room and actual ICU charges are payable." has NO room rent sub-limit — the biggest differentiator from NYIMP. Stay in any single AC room at network hospitals without proportionate deduction. For metro hospitals where rooms cost ₹6,000–₹15,000/day, this eliminates the largest source of out-of-pocket expense.
No Room Rent Cap"Maternity and Infertility Cover.Maternity coverage for up to two deliveries." covers two maternity events (vs NYIMP's one) and adds infertility treatment — making it the only the insurer young adult policy that fully supports couples planning a complete family of two children.
2 Deliveries + Infertility"Domestic Travel, if applicable as per terms." includes a domestic travel benefit — covering certain medical expenses incurred while travelling within India. Unique to — not available in NYIMP, NMP, or ASP. Ideal for young professionals who travel for work.
Only in"Good Health Incentive - Cumulative Bonus (CB) to increase by 10% of SI up to maximum 40% of SI, for claim free policy years." At 10%/year, reaches maximum CB in just 4 claim-free years. NYIMP takes 10 years to reach its 50% maximum. Faster CB accumulation at higher annual rate.
Max CB in 4 Years"Premium can be paid in installments (half yearly/quarterly)." Unlike many the insurer health products that require annual payment, allows half-yearly or quarterly instalment payments — reducing the upfront financial burden for young families managing monthly budgets.
Half-Yearly / Quarterly"No pre-policy health checkup is required." Like NYIMP, requires no pre-acceptance medical check-up for anyone aged 18–43. Buy online without clinic visits. Fully digital purchase experience for the insurer's young adult segment.
Zero Medical TestsThe Critical Choice· vs NYIMP· What the Plus Gets You· When the Upgrade is Worth It
NYIMP (National Young India Mediclaim Policy) and (National Young India Mediclaim Plus Policy) target the same 18–43 age group. The differences are targeted — room rent, maternity count, infertility, domestic travel, and CB structure. Understanding these five differences makes the right choice clear.
the insurer· Same Age Structure as NYIMP· 18–43· Individual and Floater
follows the same eligibility structure as NYIMP — entry age 18–43 for proposer and all family members, no pre-medical check-up required at any age within the band. Both individual and floater options available. Children from 3 months covered with parents.
Proposer must be aged 18–43 at policy entry. Lifelong renewability after that — no upper age limit on renewal. The 43-year ceiling is an ENTRY requirement only. Once covered, a 43-year-old policyholder renews into their 50s, 60s, and beyond.
18–43 Entry· Lifelong RenewalAll family members — spouse, children, any others — must be ≤43 years at the time of entry into the policy. Spouse: can be added mid-term within 60 days of marriage. Children: from 3 months, provided parent(s) insured. Children covered till marriage.
All Members ≤43"No pre-policy health checkup is required." No clinic visits, no diagnostic tests, no medical reports required for purchase at any age within the 18–43 band. Fully frictionless online purchase.
Zero Tests Required"Premium can be paid in installments (half yearly/quarterly)." allows half-yearly or quarterly payment — breaking the annual premium into manageable instalments without loss of coverage. Grace period: 30 days from instalment due date.
Half-Yearly / QuarterlyCore Coverage + -Exclusive Benefits
covers all the core health benefits of NYIMP — inpatient hospitalisation, day care, pre/post hospitalisation, AYUSH, ambulance, HIV/AIDS, mental illness, modern treatments, morbid obesity, refractive error — PLUS the -exclusive benefits: no room rent cap, infertility, second delivery, domestic travel. All confirmed from the insurer's page.
"Actual room charges for lowest Single AC room and actual ICU charges are payable." No sub-limit on room rent or ICU for single AC accommodation. Choose any single AC room at any network hospital without risk of proportionate deductions. The most significant advantage over NYIMP.
No Cap· Single AC Room"Pre & Post Hospitalization Cover - for 45 days and 60 days respectively." 45 days of pre-hospitalisation costs (same condition) and 60 days of post-discharge costs covered.
45 Days + 60 DaysAll Day Care Procedures — medical treatments or surgical procedures requiring less than 24 hours hospitalisation due to technological advancement. Confirmed included in. All 140+ standard day care procedures covered.
All Day CareAyurveda and Homeopathy treatment expenses covered up to Sum Insured, provided treatment is undergone in an AYUSH Hospital. Same as NYIMP — full SI available for AYUSH hospitalisation.
Up to SI· AYUSH Hospital"Treatment for.HIV/AIDS.covered after appropriate waiting periods." HIV/AIDS hospitalisation at all three stages (acute, latency, AIDS) covered. Waiting period applies. Same coverage as NYIMP but confirmed in as well.
All Stages· Waiting Period"Treatment for mental illness.covered after appropriate waiting periods." Inpatient psychiatric treatment under a qualified psychiatrist: covered. Depression and Schizophrenia: 2-year waiting period. Counselling/psychotherapy without hospitalisation: excluded.
Inpatient· Waiting Period"Modern Treatments.covered after appropriate waiting periods." 12 modern treatments (robotic surgery, HIFU, oral chemotherapy, stem cell therapy, intravitreal injections, etc.) covered at 25% of SI per treatment per policy period. Same structure as NYIMP.
25% SI Each· 12 Treatments"Morbid Obesity, Refractive error are covered after appropriate waiting periods." Bariatric surgery (BMI ≥40 / ≥35 with co-morbidities): 4-year wait. Refractive error correction ≥7.5D: 2-year wait. Both covered as in NYIMP.
Both Covered· Waiting Periods"Reinstatement of Basic Sum Insured." For Basic SI ₹5L and above: if SI exhausted in the policy year, Basic SI reinstated once for new illnesses/injuries. Excludes 11 defined Critical Illnesses. Same mechanics as NYIMP.
₹5L+ Plans· Once per YearTransportation to hospital, hospital-to-hospital, hospital to diagnostic centre and return — covered up to the ambulance limit in the Table of Benefits, provided a hospitalisation claim under inpatient cover is admitted.
Emergency + Transfer's Most Critical Upgrade Over NYIMP· 2 Deliveries· Infertility Covered· 24–36 Month Wait
"Maternity and Infertility Cover.The National Young India Mediclaim Plus Policy provides maternity coverage for up to two deliveries, including pre-natal, post-natal, and childbirth (caesarean or normal) expenses. It also covers newborn care and vaccination costs.The policy must be active continuously for 24 to 36 months, depending on the plan version."
covers up to 2 deliveries (normal or caesarean) — confirmed from. This is the defining maternity difference from NYIMP (which covers only 1 lifetime delivery). For couples planning two children, provides continuity through both pregnancies under the same policy without product switching.
2 DeliveriesPre-natal hospitalisation expenses and post-natal hospitalisation expenses per delivery: covered up to the maternity benefit limit. The maternity benefit covers the hospitalisation event for delivery and related pre/post-natal admissions — not routine OPD antenatal check-ups.
Per Delivery· HospitalisationNewborn baby is automatically covered from birth under the maternity benefit limit for up to 3 months, including vaccination costs. Hospitalisation is NOT required for vaccination — the only non-hospitalisation expense explicitly covered under 's maternity section.
From Birth· No Hosp. for Vaccination"Infertility Cover." Infertility treatment (IVF, IUI, and related assisted reproductive technologies) covered under. Waiting period applies. This benefit is completely absent from NYIMP — making the only the insurer young adult product that covers couples undergoing assisted conception.
Only in"The policy must be active continuously for 24 to 36 months, depending on the plan version." maternity waiting period: 24 months (same as NYIMP for maternity). Infertility waiting period: confirm with Probitas (022 4302 0000) — likely 2–3 years. Plan purchase date accordingly for your family timeline.
24-Month Wait (Maternity)"Maternity coverage for up to two deliveries, including pre-natal, post-natal, and childbirth (caesarean or normal) expenses." Both normal and C-section deliveries covered under 's maternity benefit. Complicated deliveries also covered. Ectopic pregnancy: under main inpatient benefit (full SI, not maternity sub-limit).
Normal + C-Section BothExclusive· Domestic Travel Benefit· Unique in the insurer's Young India Portfolio
"Domestic Travel, if applicable as per terms." includes a domestic travel benefit — covering medical expenses incurred during travel within India. This is one of the most unique features of, not available in NYIMP, NMP, NMPP, ASP, or NSTUMP.
the insurer· 10%/Year vs NYIMP's 5%/Year· Max 40% in 4 Years vs 50% in 10 Years
"Good Health Incentive - Cumulative Bonus (CB) to increase by 10% of SI up to maximum 40% of SI, for claim free policy years." This is the most structurally different feature between and NYIMP. 's CB is twice as fast but caps at a lower percentage. Understanding which structure benefits you more is critical to the product choice.
At ₹10L SI: max effective cover = ₹15L. But takes 10 claim-free years.
At ₹10L SI: max effective cover = ₹14L. Reached in just 4 claim-free years.
the insurer· Same Rules as NYIMP· ₹5L+ Basic SI· Once per Year· 11 CIs Excluded
"Reinstatement of Basic Sum Insured." The reinstatement mechanism in follows the same rules as NYIMP: available for Basic SI ₹5L and above, once per policy year, Basic SI only (not CB), not for same illness, not for 11 defined Critical Illnesses.
the insurer· PED 36 Months· Specific Diseases· Maternity 24–36 Months
"Pre-existing diseases (PED) covered after a period of 3 years only." 's 36-month PED wait is identical to NYIMP. Both are better than NMP/ASP's 48 months.
the insurer· Standard Exclusions· Same as NYIMP Base Exclusions
Standard exclusions apply. 's key difference from exclusion perspective: maternity for deliveries beyond 2 is excluded (same as NYIMP's post-1 delivery exclusion, but allows 2 before exclusion kicks in).
All non-accident illness claims: excluded in first 30 days of fresh policy. Accident-related claims: payable from Day 1. Continuous renewals: 30-day wait not applicable.
Pre-existing conditions excluded for the first 36 months of continuous coverage. All PEDs must be declared at proposal. Non-disclosure of PED is grounds for claim rejection.
covers maximum 2 deliveries per insured person. Third delivery and beyond: not covered. This is 's maternity ceiling — compared to NYIMP's 1-delivery ceiling, 's 2-delivery limit is far more family-friendly but not unlimited.
Medical treatment received outside India: excluded. 's domestic travel benefit covers travel within India only — not international medical expenses. For international coverage, a separate travel insurance policy is required.
Cosmetic surgery, gender reassignment, aesthetic plastic surgery: excluded. Reconstructive plastic surgery necessitated by accident or disease: covered under inpatient benefits.
Conditions arising from alcohol, drug, or substance abuse. Intentional self-harm, suicide attempts. Standard universal health insurance exclusion.
Psychological counselling, cognitive/family/group therapy without hospitalisation: excluded. Inpatient psychiatric treatment under a qualified psychiatrist: covered under mental illness benefit.
Morbid obesity during 4-year wait. Refractive error during 2-year wait. Depression/Schizophrenia during 2-year wait. Maternity during 24-month wait. Infertility during its waiting period.
Cashless + Reimbursement· 72-Hour/24-Hour Intimation· Instalment Premium — Grace Period 30 Days
follows the same cashless + reimbursement claim structure as NYIMP. Key advantage: at network hospitals, 's actual single AC room means no room rent-related proportionate deduction discussions — the full room cost (single AC) is admissible. the insurer Toll-Free: 022 4302 0000.
Check policy schedule for TPA name and contact. Confirm the hospital is in the insurer's network. For planned admission: intimate 72 hours prior with hospital name and condition. For emergency: intimate within 24 hours. advantage: at any network hospital single AC room — no pre-negotiation needed on room selection to avoid sub-limit issues.
Request cashless pre-authorisation through hospital insurance desk. 's actual single AC room benefit means: choose any single AC room at the hospital without worrying about whether the cost exceeds a % of SI limit. The hospital submits the room cost; TPA approves actual single AC room rates. No proportionate deduction on associated medical expenses.
Pay bills at discharge, collect: Discharge Summary, all bills and receipts, investigation reports, Claim Form Part A & Part B. Submit to TPA within 15 days of discharge. Pre and post-hospitalisation: submit separately after completing treatment. All documents in original required.
Maternity cashless: intimate hospital and TPA when delivery is approaching. Confirm maternity benefit limit from your schedule. Remember: allows 2 covered deliveries. After the first covered delivery, the second remains available — confirm second delivery eligibility with Probitas at 022 4302 0000 before second pregnancy. Newborn vaccination: submit receipts (no hospitalisation required).
If premium is paid half-yearly or quarterly: a grace period of 30 days applies after each instalment due date. During the grace period, coverage is NOT available — any hospitalisation during the grace period (before instalment is paid) will not be covered. Set calendar reminders for instalment dates to maintain uninterrupted coverage.
National Young India Mediclaim Plus Policy — Frequently Asked Questions
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By submitting you agree to our Privacy Policy and Terms & Conditions. National Young India Mediclaim Plus Policy· the insurer· IRDAI Entry age: 18–43 years. Room rent: actual single AC room charges. Maternity: up to 2 deliveries with 24-month wait. CB: 10%/year max 40%. Premium: annual/half-yearly/quarterly. PED: 36 months. Reinstatement: ₹5L+ only. Domestic travel benefit subject to policy terms. All terms per policy wording. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.