India's young adults need health insurance that fits their life — affordable entry, maternity ready for growing families, personal accident protection, and optional critical illness cover. NYIMP is the insurer's dedicated policy for proposers and family members aged 18 to 43, with no pre-medical check-up required, zone-wise competitive premiums, five discount types, and the option to buy as a 3-year long-term policy for 4.25% savings.
the insurer Health· Full Policy Wording
"National Young India Mediclaim 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 Reasonably and Customarily incurred for treatment of an Illness contracted/Injury sustained during the Policy Period." NYIMP is the insurer's purpose-built product for young India — proposers and all family members must be aged 18–43 at entry, with no pre-medical check-up required at any age within that band.
Exclusively for proposers and family members aged 18–43 years. the insurer prices NYIMP for the young adult health risk profile — with no pre-medical check-up barrier at any age within this band. Zone-wise premiums mean residents of Tier-2 and Tier-3 cities pay significantly less.
18–43 Only"The Company shall indemnify Maternity Expenses of Insured or Spouse only.The New Born Baby shall be automatically covered under the available Maternity Benefit limit from birth, for up to 3 months including expenses for vaccination." 24-month wait. 1 delivery lifetime. Newborn + vaccination included.
24-Month Wait· 1 Delivery"The Company shall pay the specified benefit(s) on occurrence of the event(s).Death: 100% of Sum Insured.Permanent Total Disablement: 100% of Sum Insured" Built into the base NYIMP — not an add-on. 100% SI for death and PTD; PPD table for partial disabilities. From Day 1, no waiting period.
Included in Base Policy"For Policies with Basic Sum Insured of ₹5 lacs and above, in the event of available Sum Insured being exhausted.the Company shall reinstate the exhausted Basic Sum Insured." At ₹5L or ₹10L NYIMP: if SI exhausted in a year, it reinstates once for new illnesses. Not available for 11 defined Critical Illnesses.
₹5L+ Only"No pre-policy health check-up is required." Unlike NMP (age 50+) or NMPP (age 40+ or SI ₹6L+), NYIMP requires NO pre-medical check-up for any buyer within the 18–43 age band. Fast, frictionless online purchase with no clinic visits needed.
Zero Medical Tests Needed"Policy period: 1 year and 3 years." NYIMP can be purchased for 3 years at a stretch. "Long-Term Discount — A discount of 4.25% is allowed on the total premium if opting for a long-term policy." Lock in premiums and save 4.25% for a 3-year term.
4.25% Long-Term DiscountStrategic Context· The Financial Case for Health Insurance at 18–43· NYIMP's Role
NYIMP exists because the insurer recognises that young Indians (18–43) face three distinct health risks: sudden illness, accidents, and growing families with maternity needs. Starting a comprehensive health policy at 25 is worth ₹10+ lakhs more than starting at 35 — through lower premiums, more claim-free years of cumulative bonus, and serving waiting periods while healthy.
Policy Wording +· Entry Age· Family Composition· Mid-Term Additions
"The entry age of the Proposer should be between 18 years and 43 years. The maximum entry age of any family member is 43 years." This is the most restrictive eligibility in the insurer's health portfolio — and also the most focused, ensuring every policyholder is in the young adult risk cohort with correspondingly favourable premiums.
| Eligibility Parameter | NYIMP Specification | Notes |
|---|---|---|
| Proposer Age | 18–43 years | Entry age only. Once insured, lifelong renewability. Cannot re-enter above 43. |
| Spouse Age | Max 43 years at entry | Both spouses must be ≤43 at policy inception. Mid-term addition: within 60 days of marriage. |
| Children | 3 months and above· till marriage | Natural or legally adopted children. Mid-term addition for newborns: 3–6 months of age. |
| Sum Insured Options | ₹3 Lakh / ₹5 Lakh / ₹10 Lakh | Only 3 options. Reinstatement available for ₹5L and ₹10L. Floater: min 2 members. |
| Policy Period | 1 Year or 3 Years | 3-year policy: 4.25% premium discount. Cumulative bonus continues across 3-year term. |
| Pre-Medical Check-Up | NOT REQUIRED | "No pre-policy health check-up is required." |
| Mid-Term Inclusions | Newborns (3–6 months) + Spouse (60 days of marriage) | All other members: addition only at renewal. |
| Renewability | Lifelong | Once insured before 43, can renew at any age thereafter. No upper age limit on renewal. |
Policy Wording Sections 3.1.1–3.1.12
All coverage confirmed from the full NYIMP policy wording. Coverage structure mirrors the Mediclaim Policy but adds Maternity (Section 3.1.7) and Personal Accident (Section 3.2.2) as standard inclusions, making NYIMP the most comprehensive the insurer health product for the 18–43 age segment.
Room/ICU, nursing, RMO, surgeon/anaesthetist/consultant fees, anaesthesia, blood, oxygen, OT charges, surgical appliances, medicines, diagnostics, prosthetics implanted during surgery. Plus: dental (accident-caused), plastic surgery (disease/injury), hormone replacement (medically necessary), vitamins/tonics (part of treatment), circumcision (treatment-necessitated).
Comprehensive Inpatient· Sub-Limits Apply"The Company shall indemnify the Medical Expenses incurred up to forty five (45) days immediately before the Insured Person is hospitalised, provided that such Medical Expenses are incurred for the same condition for which Hospitalisation was required."
45 Days· Same Condition"The Company shall indemnify the Medical Expenses incurred up to sixty (60) days immediately after the Insured Person is discharged from Hospital."
60 Days After DischargeAll day care procedures covered up to sum insured — prior approval from Company/TPA mandatory for procedures not in the standard list. 140+ procedures included. No separate sub-limit (included within overall SI).
All Day Care· Up to SI"The Company shall indemnify the Medical Expenses pre and post hospitalisation expenses up to the Sum Insured, incurred for Ayurveda and Homeopathy treatment up to the Sum Insured, provided the treatment is undergone in an AYUSH Hospital."
Up to Sum Insured· AYUSH HospitalTransportation to/from hospital, hospital-to-hospital, hospital-to-diagnostic centre and return — covered up to the limit shown in the Table of Benefits. Admissible only when a hospitalisation claim under Section 3.1.1 has been admitted.
Emergency + Transfer"The Company shall indemnify the Medical Expenses for In-patient Care, Pre-Hospitalisation expenses and Post-Hospitalisation expenses, related to following stages of HIV infection: i. Acute HIV infection – acute flu-like symptoms; ii. Clinical latency – usually asymptomatic or mild symptoms; iii. AIDS – full-blown disease; CD4 < 200."
All 3 Stages"Medical Expenses for In-patient Care.related to Mental Illnesses, provided the treatment shall be undertaken at a Hospital with a specific department for Mental Illness, under a Medical Practitioner qualified as Psychiatrist." Depression and Schizophrenia: 2-year waiting period. Counselling/psychotherapy without hospitalisation: excluded.
Inpatient Only· Psychiatrist Req.12 named modern treatments: Robotic Surgery, HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy (Monoclonal Antibody), Intravitreal Injections, Stereotactic Radio Surgeries, Bronchial Thermoplasty, Prostate Laser, IONM, Stem Cell Therapy. Each capped at 25% of SI per treatment per policy period.
25% SI Each· 12 Treatments"Surgical treatment of obesity.BMI ≥40 or BMI ≥35 with severe co-morbidities.Insured Person is 18 years or older.subject to Waiting Period of four (04) years." Co-morbidities: obesity cardiomyopathy, CHD, severe sleep apnea, uncontrolled Type 2 diabetes.
4-Year Wait· BMI ≥40Policy Wording Section 3.1.7· 24-Month Wait· Newborn from Birth· Vaccination
"The Company shall indemnify Maternity Expenses of Insured or Spouse only, as described below and also Pre-Natal and Post-Natal Hospitalisation expenses per delivery, subject to the limit as shown in the Table of Benefits. The New Born Baby shall be automatically covered under the available Maternity Benefit limit from birth, for up to 3 months including expenses for vaccination. Hospitalisation is not required for vaccination."
"Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalisation)." Both normal delivery and C-section covered. Complicated deliveries: covered under maternity benefit. Pre-natal and post-natal hospitalisation: included.
Both Delivery Types"Expenses towards lawful medical termination of pregnancy during the Policy Period." Medically necessary termination of pregnancy (complying with MTP Act) covered within the maternity benefit limit. Subject to 24-month waiting period. Induced by accident: wait waived.
MTP Covered· 24M Wait"The New Born Baby shall be automatically covered under the available Maternity Benefit limit from birth, for up to 3 months including expenses for vaccination. Hospitalisation is not required for vaccination." Baby is covered from the moment of birth for 3 months under the maternity limit.
From Birth· 3 Months· AutoNewborn vaccination costs covered within the maternity benefit limit for up to 3 months from birth. Uniquely, hospitalisation is NOT required for vaccination claims — this is one of the few instances in NYIMP where a non-hospitalisation expense is covered within the policy.
No Hospitalisation Needed"Ectopic pregnancy is covered under Section 3.1.1 'In-patient Treatment', provided such pregnancy is established by medical reports." Ectopic pregnancy hospitalisation covered under the main inpatient benefit — NOT under the maternity sub-limit. Full inpatient coverage applies.
Under Inpatient· Full CoverKey exclusions from maternity benefit: 1. Delivery/termination within 24-month waiting period (accident-induced: wait waived). 2. Second delivery claim (1 delivery per lifetime per insured person). 3. Already having 2+ living children at policy inception. 4. Surrogacy. 5. Pre/post hospitalisation other than pre/post natal treatment.
24M Wait· 1 Delivery· No SurrogacyPolicy Wording Section 3.2.2· 100% SI for Death/PTD· PPD Benefit Table· Day 1 Coverage
"The Company shall pay the specified benefit(s) on occurrence of the event(s) as mentioned below to the Insured Persons, in addition to any other pay out under Section 3.1." NYIMP's Personal Accident cover is a standard inclusion — not an optional add-on — making it the only the insurer health product with built-in PA benefits. No additional premium, no separate application.
"100% of Sum Insured shall be payable, on death of the Insured Person, due to an Injury sustained in an Accident during the Policy Period, provided that the Insured Person's death occurs within 12 months from the date of the Accident." — Policy wording 3.2.2(a). Paid to nominee/legal heir. Even if death occurs after policy period end but within 12 months of the accident.
100% SI· Within 12 Months"100% of Sum Insured shall be payable, if an Insured Person suffers Permanent Total Disablement.solely and directly due to an Accident." — Policy wording 3.2.2(b) confirmed. Qualifying events: loss of sight in both eyes; loss of both hands/feet; loss of one hand and one foot; loss of one eye and one hand/foot; permanent total disability from any other consequence of the accident.
100% SIPPD benefit table confirmed from policy wording 3.2.2(c): Loss of one entire hand/foot/eye: 50% of SI. Loss of all toes: 20% of SI. Loss of both ears: 50% of SI. Loss of one ear: 20% of SI. Loss of four fingers + thumb: 40% of SI. Loss of four fingers: 35% of SI. Loss of thumb (both phalanges): 25%. Many more graded disability entries. Combined PTD+PPD: capped at SI+CB.
Graded PPD Table"The Basic Sum Insured and Cumulative Bonus, if any, is applicable cumulatively for all the three covers.i.e., there is a single Sum Insured for all three covers: Accidental Death, Permanent Total Disability and Permanent Partial Disability." All PA benefits and hospitalisation claims share the same SI+CB pool. Also: maximum payable for multiple disabilities = SI+CB.
Single Shared SI PoolPolicy Wording Section 3.2.1· ₹5L and ₹10L Plans Only· 11 CIs Excluded
"For Policies with Basic Sum Insured of ₹5 lacs and above, in the event of available Sum Insured being exhausted anytime during the Policy Year on account of Hospitalisation claim(s), the Company shall reinstate the exhausted Basic Sum Insured (i.e., excluding any CB) to be utilized in any subsequent Hospitalisation(s) during the same Policy Year."
Policy Wording Sections 4.1–4.3 +· 30 Days· 36 Months PED· Specific Disease Waits
"Only claims arising out of accidents are payable for the first 30 days of Inception of the Policy. All pre-existing diseases included after first 3 years (36 months) of Policy." NYIMP's waiting periods broadly follow NMP/NMPP structure — 36-month PED is better than NMP's 48 months but longer than NSTUMP's 12 months.
5 Discount Types· Unique to the insurer's Young India Product
"Attractive Discounts like Girl child, wellness, direct, long term are available." All five discount types confirmed in detail from. NYIMP's Girl Child and COVID-19 Vaccination discounts are unique to this product — not found in any other the insurer health policy.
"A discount of 1.5% is allowed on the total premium of families having a covered girl child aged up to 18 years." Unique to NYIMP. Families with daughters under 18 receive a premium discount — the insurer's recognition of the value of insuring girl children.
"If the Policy is bought online or by walk-in/direct customer, a discount of 10% shall be allowed on the total premium for both new policy and subsequent renewals." Same 10% online discount structure as NMP and NMPP.
"A discount of 1% on renewal premium is allowed for opting for evidence-based wellness activities in expiring policy (e.g., gym membership for 1 year, participation in marathon, swimathon, walkathon, etc.)." Unique to NYIMP — the insurer rewards active young adults.
"A discount of 4.25% is allowed on the total premium if opting for a long-term policy." NYIMP can be purchased for 3 years. The 4.25% discount on 3 years of premium = meaningful saving on lock-in. Also protects against premium rate increases during the term.
"A discount of 10% is allowed on individual premiums if the Insured Person has received 2 doses of COVID-19 vaccine. Children (Insured Persons less than 18 years) may be allowed a discount provided both parents are vaccinated." Unique discount type not found in other the insurer health products.
"Zone wise premium – enjoy lesser premium for most parts of the country." NYIMP uses zone-based pricing: Zone I (metro cities) = highest premium; Zone IV (smaller towns) = lowest premium. Residents of Tier-2/3 cities pay significantly less for the same SI and features.
the insurer Also Offers National Young India Mediclaim PLUS· Key Differences
the insurer offers two products for young adults — NYIMP (this page) and (National Young India Mediclaim Plus). adds infertility cover, domestic travel benefit, reinstatement, and a higher cumulative bonus (10%/year up to 40%) alongside actual single AC room charges (no sub-limit on room rent). Understanding the differences helps you choose the right product.
Policy Wording +· Standard Exclusions + NYIMP-Specific
Exclusions confirmed from the NYIMP policy wording and. Standard health insurance exclusions plus specific NYIMP-applicable waiting period conditions.
All non-accident illness claims in the first 30 days of policy inception: excluded. Accident claims and PA benefits: payable from Day 1. Continuous renewals: 30-day wait not applicable.
Pre-existing diseases: excluded until policy has been continuously in force for 36 months. Must disclose all PEDs at proposal or risk non-disclosure claim rejection. 5-year moratorium applies thereafter.
"Delivery or lawful medical termination of pregnancy after one admissible claim for delivery or termination during the lifetime of the Insured Person has been paid." Second delivery: not covered. Surrogacy: excluded. Already 2+ living children at inception: excluded.
"Any kind of Psychological counselling, cognitive/family/group/behavior/palliative therapy or other kinds of psychotherapy for which Hospitalisation is not necessary shall not be covered." Inpatient psychiatric treatment: covered. Outpatient counselling: excluded.
Gender reassignment surgery, cosmetic surgery, aesthetic plastic surgery: excluded. Reconstructive plastic surgery necessitated by accident or disease: covered under Section 3.1.1. Standard universal health exclusion.
Medical treatment received outside India: excluded. NYIMP covers hospitalisation only in India. For international medical coverage, a separate travel insurance policy is required.
Conditions arising from alcohol, drug, or substance abuse. Self-inflicted injury, suicide attempts. Treatment for addiction or dependency. Standard universal health insurance exclusion.
Maternity during 24-month wait. Depression/Schizophrenia during 2-year wait. Refractive error during 2-year wait. Morbid obesity during 4-year wait. 11 defined CIs excluded from reinstatement (though covered by main policy).
+ the insurer· Cashless + Reimbursement· 72-Hour/24-Hour Intimation
NYIMP claim process confirmed from. For cashless facility: available at network hospitals only for policies with TPA service. For reimbursement: any hospital. Intimation: 72 hours before planned; 24 hours after emergency. the insurer Toll-Free: 022 4302 0000.
"For planned hospitalisation, intimate the insurer 72 hours prior to the Insured Person's admission to Network Provider." For emergency: "inform the company within 24 hours of the hospitalisation." Check your NYIMP policy schedule for TPA name and contact. Verify the hospital is in the insurer's network — cashless only at empanelled hospitals. Check PPN status for sub-limit waiver benefit.
"The cashless request form available with the Network Provider and TPA will be completed and sent to the TPA for authorization." The hospital's insurance desk submits the pre-authorisation request with your diagnosis, proposed treatment, and estimated cost. TPA reviews and issues a pre-authorisation letter. At discharge: sign discharge papers, pay non-medical and inadmissible expenses only.
At any hospital of choice: "Receive the treatment and get discharged. Keep all the documents in hand in their original format. Submit the duly signed and filled claim form along with all the relevant documents." Required: completed claim form, prescriptions, cash memos (chemist + hospital), payment receipts, investigation reports, discharge certificate/summary with final bill breakup, medical practitioner's diagnosis certificate.
Maternity claims: submit hospitalization documents (delivery/termination) plus pre-natal and post-natal receipts. New Born Baby vaccination claims: submit vaccination prescriptions and receipts — hospitalisation not required. Confirm maternity benefit limit from your NYIMP policy schedule before hospital check-in to manage room selection and expected costs.
For accidental death claim: legal heir/nominee submits death certificate + police FIR/MLC + policy documents to the insurer office. For PTD/PPD claims: medical certificate from qualified practitioner confirming permanent disability + disability assessment report. Submit to the insurer policy issuing office within specified time limit. PA claims are processed separately from hospitalisation claims. Call 022 4302 0000 for PA claim guidance.
National Young India Mediclaim Policy — Frequently Asked Questions
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By submitting you agree to our Privacy Policy and Terms & Conditions. National Young India Mediclaim Policy (NYIMP)· the insurer· IRDAI Entry age: 18–43 years. SI: ₹3L/₹5L/₹10L. Maternity: 24-month wait, 1 delivery lifetime. Reinstatement: ₹5L+ only. PA: 100% SI for death/PTD. PED: 36 months. No pre-medical check-up required. All terms per NYIMP policy wording. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.