Yuva Bharat Plan
  • 3 plan variants
  • 5 to 50 L SI
  • Auto top-up
Yuva Bharat Plan
Network hospitals

Network hospitals

3000+

Incurred claim ratio

Incurred claim ratio

90.73%

Sum insured

Sum insured

Up to 2 Crore

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

1.8

Pan India Presence

Pan India Presence

1800+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Yuva Bharat Plan

The New India Assurance Yuva Bharat Health Policy is a comprehensive health insurance plan that includes a plethora of additional features in addition to basic coverage. The plan includes covers like personal accident benefits, critical illness benefits, air ambulance, auto top, infertility treatment, and more in its base, gold, and platinum varieties.

New India Yuva Bharat Health Policy provides a wide range of sum insured options to select from starting from INR 5 to 50 Lacs. The eligibility criteria to invest in the plan is 18 years to 45 years for adults and 91 days to 25 years for dependent children. Insurance holders do not require to undergo any medical check-up before purchasing the policy and offer tax benefits under section 80D.

New India Health Insurance Detailed Review

Yuva Bharat Plan

Yuva Bharat Plan Specifications

To understand Yuva Bharat Plan Insurance in detail, take a look at the below table:

Entry Age

Min- 91 days, Max- 45 years

Policy Type

Individual and Family Health Insurance

Sum Insured

5L | 10L | 15L | 25L | 50 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2, 3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

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Choose Your Yuva Bharat Plan

With wide coverage options available, Yuva Bharat Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

New India Yuva Bharat Health Plan Benefits

Yuva Bharat Health Policy by New India encompasses multiple benefits and features making it a versatile health insurance plan. Below are the various benefits insurance holders can avail of through the plan,

  • Tax Benefits

    The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.।
  • Plan Variants

    New India Yuva Bharat health plan offers 3 different variants with additional coverage benefits, namely the base variant, gold variant, and platinum variant. The plan variants have a vast range of sum insured options ranging between 5,10,15,25, and 50 Lakhs.
  • Discounts

    New India Yuva Bharat Policy offers various discounts to its insurance holders, like loyalty discounts of 2.5%, digital discounts of 10%, floater discounts of 15%, and healthy lifestyle discounts of 10%.
  • Maternity and Newborn Cover

    The plan offers various benefits to the women who purchase New India Yuva Bharat Health Policy. Under the platinum plan variant, women can avail of maternity cover, newborn baby cover, infertility treatment, premature birth, vaccination charges, and more.
  • Critical Illness Benefit

    New India Yuva Bharat Policy offers critical illness benefits to its insurance holders wherein consultation expenses incurred on Medical Second Opinion shall be reimbursed up to a maximum of INR 10,000.

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Sample Illustrations of New India Yuva Bharat Health Plan

To understand how much premium one needs to pay towards the Yuva Bharat Health Policy by New India Assurance, let us go through the below example wherein we have illustrated the sample premiums.

Yuva Bharat Health Policy – Basic Plan

Sum Insured 5 L 10 L 15 L 25 L 50 L
Premium (In Rs.) 4,712 6,240 7,668 10,174 15,246

Yuva Bharat Health Policy – Gold Plan

Sum Insured 5 L 10 L 15 L 25 L 50 L
Premium (In Rs.) 5,426 7,164 8,801 11,971 18,554

Yuva Bharat Health Policy – Platinum Plan

Sum Insured 5 L 10 L 15 L 25 L 50 L
Premium (In Rs.) 7,033 8,773 10,409 13,718 20,517

New India Yuva Bharat Health Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Yuva Bharat Health Policy by New India are:

Pre-existing diseases

Change of Gender Treatments

Cosmetic or Plastic Surgery

Hazardous or Adventure Sports

Breach of Law

Excluded Providers

Treatment for alcoholism, drug or substance abuse

Dietary Supplements and substances that can be purchased without prescription

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 24 months

Listed Ailments 12/24 months

Wrapping It Up

Individuals and families can benefit from the New India Yuva Bharat Health Policy, which is both affordable and flexible. It is appropriate for individuals who want to cover their family with a sufficient sum insured while avoiding unnecessary advantages. If you are a newly married pair, you can customize the plan with platinum benefits that include maternity coverage; if you have a family history of critical illnesses, you can choose the gold plan version that includes critical illness coverage.

Explore other New India Health Insurance

To cater to the different medical needs of an individual & their family, New India Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to New India Health Insurance plans explore more:

Top Up and Super Top Up

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Unique Features

  • High SI Available
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New India Top-Up Mediclaim Policy (Pros)

New India Top-Up Mediclaim Policy
  • Hospital Cash
  • Ambulance Cover
  • Zero Co-pay

New India Top-Up Mediclaim Policy (Cons)

New India Top-Up Mediclaim Policy
  • Illegal activities
  • Alcoholism and Drug Abuse
  • Adventure Sports

New India Top-Up Mediclaim Policy (Other Benefits)

New India Top-Up Mediclaim Policy
  • Get Well Benefit
  • Mental Health Cover
  • No Base Cover Needed

New India Top-Up Mediclaim Policy (Eligibility Criteria)

New India Top-Up Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 22 L

Senior Citizen Health Insurance

New India Sixty Plus Mediclaim Policy is a comprehensive health insurance by New India Assurance Company. The policy covers senior citizens aged betwe...

Unique Features

  • Senior Citizen Cover
  • Attendant Benefit
  • Discounts For Women

New India Sixty Plus Mediclaim Policy (Pros)

New India Sixty Plus Mediclaim Policy
  • Continuation Aftеr Dеath
  • Organ Transplant Covеr
  • Covеr for Prе-Mеdical Chеck-up

New India Sixty Plus Mediclaim Policy (Cons)

New India Sixty Plus Mediclaim Policy
  • Illegal activities
  • Alcoholism and Drug Abuse
  • Adventure Sports

New India Sixty Plus Mediclaim Policy (Other Benefits)

New India Sixty Plus Mediclaim Policy
  • Attеndant Bеnеfit
  • Discount for Singlе Womеn
  • Covеragе for Spouse

New India Sixty Plus Mediclaim Policy (Eligibility Criteria)

New India Sixty Plus Mediclaim Policy
  • Min entry age: 60 Years
  • Max entry age: No upper limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 L

Accident Health Insurance

New India Assurance Personal Accident Policy is a simple health insurance plan that provides compensation in case the insured is deceased or disabled ...

Unique Features

  • Accident Cover
  • Worldwide Coverage
  • Permanent Disability Cover

New India Assurance Personal Accident Policy (Pros)

New India Assurance Personal Accident Policy
  • Worldwide Coverage
  • Disability Cover
  • Death Benefit

New India Assurance Personal Accident Policy (Cons)

New India Assurance Personal Accident Policy
  • Self-injury not covered
  • Maternity coverage not available
  • Adventure sports not covered

New India Assurance Personal Accident Policy (Other Benefits)

New India Assurance Personal Accident Policy
  • Education Fund
  • Optional add-on covers
  • Family Package

New India Assurance Personal Accident Policy (Eligibility Criteria)

New India Assurance Personal Accident Policy
  • Min entry age: 5 Years
  • Max entry age: 70 Years
  • Initial Waiting Period: N/A
  • Sum Insured: N/A

Individual and Family Health Insurance

New India Assurance Mediclaim Policy offered by New India Assurance Health Insurance Company is a health plan that covers you and your family against ...

Unique Features

  • Wide Coverage Options
  • Same Rates of Premium
  • Key Features and Benefits

New India Medicare Policy (Pros)

New India Medicare Policy
  • AYUSH Cover
  • Modern Treatment
  • Health Check-up

New India Medicare Policy (Cons)

New India Medicare Policy
  • Illegal Activities
  • Alcoholism and Drug Abuse
  • Adventure Sports

New India Medicare Policy (Other Benefits)

New India Medicare Policy
  • Cataract
  • Ambulance Cover
  • Organ Donor Cover

New India Medicare Policy (Eligibility Criteria)

New India Medicare Policy
  • Min entry age: 18 Years
  • Max entry age: No Limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Individual and Family Health Insurance

The New India Asha Kiran Policy by New India Health Insurance is a unique policy designed for parents with only a girl child. The New India Asha Kiran...

Unique Features

  • Girl Child policy
  • Discount on premiums
  • Critical illness benefits

Asha Kiran Mediclaim Policy (Pros)

Asha Kiran Mediclaim Policy
  • Hospital Cash Cover
  • Covers Daughters
  • Cataract Cover

Asha Kiran Mediclaim Policy (Cons)

Asha Kiran Mediclaim Policy
  • Illegal activities
  • Obesity and cosmetic procedures
  • Alcoholism

Asha Kiran Mediclaim Policy (Other Benefits)

Asha Kiran Mediclaim Policy
  • AYUSH Cover
  • 4 Optional Covers
  • 226 Day care Procedure

Asha Kiran Mediclaim Policy (Eligibility Criteria)

Asha Kiran Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Senior Citizen Health Insurance

New India Assurance Senior Citizen Mediclaim Policy is a comprehensive plan which provides many benefits such as medical cover, cashless hospitalizati...

Unique Features

  • AYUSH Treatment Covered
  • 90% Co-payment
  • Organ Donor Benefit

New India Senior Citizen Mediclaim Policy (Pros)

New India Senior Citizen Mediclaim Policy
  • Room Rent Cover
  • ICU Cover
  • Hospital Cover

New India Senior Citizen Mediclaim Policy (Cons)

New India Senior Citizen Mediclaim Policy
  • Involvement in illegal activities
  • Alcoholism and drug abuse
  • Adventure sports

New India Senior Citizen Mediclaim Policy (Other Benefits)

New India Senior Citizen Mediclaim Policy
  • Hysterectomy
  • Cataract Cover
  • AYUSH Cover

New India Senior Citizen Mediclaim Policy (Eligibility Criteria)

New India Senior Citizen Mediclaim Policy
  • Min entry age: 60 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1.5 L

Family

New India Floater Mediclaim by New India Assurance is amongst the well-recognized insurance plans when opting for a comprehensive New India Health Ins...

Unique Features

  • Optional Cover Benefits
  • Crit-Care Available
  • Avail Family Discounts

New India Flexi Floater Mediclaim Policy (Pros)

New India Flexi Floater Mediclaim Policy
  • Cumulative Bonus
  • New Born Baby cover
  • Critical Care Benefit

New India Flexi Floater Mediclaim Policy (Cons)

New India Flexi Floater Mediclaim Policy
  • Illegal Activities
  • Adventure Sports
  • Self-inflicted Injuries

New India Flexi Floater Mediclaim Policy (Other Benefits)

New India Flexi Floater Mediclaim Policy
  • 4 Optional cover
  • Hospital Cash Cover
  • Cataract Covered

New India Flexi Floater Mediclaim Policy (Eligibility Criteria)

New India Flexi Floater Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Individual and Family Health Insurance

New India Premier Mediclaim Policy is a versatile health insurance policy that can cover up to 6 members of your family under a single policy. New Ind...

Unique Features

  • High Sum Insured
  • AYUSH Treatment
  • Maternity Cover

New India Premier Mediclaim (Pros)

New India Premier Mediclaim
  • Room rent cover
  • ICU cover
  • Critical Illness benefit

New India Premier Mediclaim (Cons)

New India Premier Mediclaim
  • Illegal activities
  • Alcoholism and drug abuse
  • Adventure sports

New India Premier Mediclaim (Other Benefits)

New India Premier Mediclaim
  • Covers entire family
  • 2 plan options
  • Hospital cash benefit

New India Premier Mediclaim (Eligibility Criteria)

New India Premier Mediclaim
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Critical Illness Health Insurance

New India Cancer Guard Policy by New India Assurance is a health insurance plan that provides a financial cushion for expensive treatments such as Can...

Unique Features

  • Ambulance Cover
  • Day Care Covered
  • Cancer Care Benefit

New India Cancer Guard (Pros)

New India Cancer Guard
  • Chemotherapy
  • Radiotherapy
  • Organ Transplant

New India Cancer Guard (Cons)

New India Cancer Guard
  • Illegal Activities
  • Alcoholism and Drug Abuse
  • Adventure Sports

New India Cancer Guard (Other Benefits)

New India Cancer Guard
  • Post Treatment Follow-up
  • Second Opinion for Surgery
  • Ambulance Charges

New India Cancer Guard (Eligibility Criteria)

New India Cancer Guard
  • Min entry age: 3 Months
  • Max entry age: 65 Years
  • Initial Waiting Period: 90 Days
  • Sum Insured: Up to 50 L

Group Health Insurance

New India Flexi Floater Group Mediclaim Policy is a comprehensive health insurance plan. Since a group health insurance policy is designed to offer fi...

Unique Features

  • Ayush Cover
  • Genetic Disorder Cover
  • Mental Illness Cover

Flexi Floater Group Mediclaim (Pros)

Flexi Floater Group Mediclaim
  • Lasik Surgery
  • Maternity Cover
  • New Born Cover

Flexi Floater Group Mediclaim (Cons)

Flexi Floater Group Mediclaim
  • Illegal actvities
  • Alcoholism and drug abuse
  • self-inflicted harm

Flexi Floater Group Mediclaim (Other Benefits)

Flexi Floater Group Mediclaim
  • To-up cover
  • Daycare Treatment
  • Ambulance Cover

Flexi Floater Group Mediclaim (Eligibility Criteria)

Flexi Floater Group Mediclaim
  • Min entry age: 18 Years
  • Max entry age: 60 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 L

Individual and Family Health Insurance

The New India Assurance Yuva Bharat Health Policy is a comprehensive health insurance plan that includes a plethora of additional features in addition...

Unique Features

  • 3 plan variants
  • 5 to 50 L SI
  • Auto top-up

Yuva Bharat Plan (Pros)

Yuva Bharat Plan
  • Personal accident benefits
  • Critical illness benefits
  • Air ambulance

Yuva Bharat Plan (Cons)

Yuva Bharat Plan
  • Illegal activities
  • Alcoholism and drug abuse
  • Adventure sports

Yuva Bharat Plan (Other Benefits)

Yuva Bharat Plan
  • Enhancement of sum insured
  • Cost of pharmacy
  • Ambulance service

Yuva Bharat Plan (Eligibility Criteria)

Yuva Bharat Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

New India Yuva Bharat Health Plan: FAQ’s

1. What is the eligibility criteria for New India Yuva Bharat Health Plan?

Individuals can invest in the New India Yuva Bharat Policy from the age of 18 years up to 45 years and can cover dependent children from 91 days to 25 Years.

2. Who can be covered under the New India Yuva Bharat Health Plan?

Individuals can cover himself/herself, spouse, and dependent parents or parents-in-law under one policy.

3. What are the sum insured options available under the New India Yuva Bharat Health Plan?

The sum insured options available under the plan range between 5 to 50 Lac INR.

4. Is critical illness benefit available under the New India Yuva Bharat Health Plan?

Critical illness benefits are available under the New India Yuva Bharat Health Plan under the gold plan variant.

5. What are the waiting periods applicable under the New India Yuva Bharat Health Plan?

The waiting period applicable under New India Yuva Bharat Health Plan are as follows: Maternity Cover - 24 Months Pre-existing diseases - 24 Months 90 Days Waiting Period for - Diabetes Mellitus, Hypertension and Cardiac Conditions Specific listed disease - 24 Months

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.