New India Yuva Bharat Health Policy - Benefits, Coverage, Features
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New India Health Insurance New India Health Insurance ★ 4.4

Yuva Bharat Plan

The plan includes covers like personal accident benefits, critical ill ...Read More

Up to 2 Crore
Sum insured
1
No. of plans
1800+
Pan India presence
90.73%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 3,000+ hospitals
📊 1.91 solvency ratio
✅ 90.73% claim settlement

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.

Why do we recommend this?
  • Covers family
  • Offers three plan variants
  • High sum insured

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min- 91 days, Max- 45 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹15 L, ₹25 L, ₹50 L, ₹75 L, ₹1 L
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Personal accident benefits
  • Critical illness benefits
  • Air ambulance

Cons

  • Illegal activities
  • Alcoholism and drug abuse
  • Adventure sports

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

New India Health Insurance

New India Health Insurance

This video talks about New India Health Insurance in detail. It talks about key features like Solvency Ratio, Claim Support Ratio which help an individual to analyze if the Insurer matches with his/ her requirements.

New India Health Insurance Network Hospital List

New India Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, New India Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Frequently Asked Questions

The 7 most-asked questions about Yuva Bharat Plan, answered.

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.
Individuals can cover himself/herself, spouse, and dependent parents or parents-in-law under one policy.
The sum insured options available under the plan range between 5 to 50 Lac INR.
Critical illness benefits are available under the New India Yuva Bharat Health Plan under the gold plan variant.
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
The New India Yuva Bharat Health Policy has an entry age of 18–45 years for adults and 91 days–25 years for dependent children. It allows coverage for yourself, your spouse, and financially dependent children under a single policy, available on an individual or floater basis.
Under the New India Yuva Bharat Health Policy (Platinum Plan), the No Claim Bonus boosts your coverage by up to 30% of the sum insured, including a 10% annual bonus for every claim-free year.

Explore New India Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 30 Oct 2024

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