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New India Yuva Bharat (Platinum)

ILM Ratings

ILM Ratings

Claims Experience:

Customer Service:

Product Benefits:

Introduction to New India Yuva Bharat (Platinum)

New India Yuva Bharat (Platinum) is a comprehensive health insurance policy which covers a range of expenses, including those related to infertility, pregnancy, and child care, and is one of the few policies to include coverage for congenital diseases (both internal and external), hazardous sports, puberty and menopause-related disorders. However, the policy doesn't cover treatments taken at home and covers only a few listed day care treatments.

Claims Experience:

Customer Service:

Product Benefits:

Quick Overview:

What's Good?

• Congenital diseases (both internal & external) and genetic disorder expenses covered
• Inpatient dental treatment expenses covered
• Mental illness treatment expenses covered
• Monthly premium payment allowed
• Multiple options to get premium discounts
• Pregnancy, infertility and newborn related expenses covered

What's Not Good?

• Limitations on hospital room you can choose
• Cap on no. of daycare treatments covered
• Domiciliary treatment expenses not covered
• Sub-limits on common treatments like cataract

Insurer Track Record

About The New India Assurance Company Limited

JV Partners

Turnover (GWP)

Number of Policies

Number of Claims

Detailed Product Overview

Unique Benefits

Hidden Conditions

Exclusions Unique to this Policy

Have doubts regarding this plan?

Frequently Asked Questions

Is there a room rent limit in this plan?

Yes. The plan allows up to a Single Private AC Room. If you choose a higher room category, the insurer may apply proportionate deductions on the associated medical expenses, not just the room rent difference. This means a part of the entire bill can be reduced, leading to a higher out-of-pocket payment.

Are there any possible loadings (extra premium) under this plan?

Does the plan cover expenses related to mental illness?

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Did you know

1- Health insurance data and ratings were last updated in April 2026. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q4, FY 2024-2025), insurer websites, and the IRDAI website.

2- The Claims Settlement Ratio data is taken from NL-37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing health insurance claims settled divided by health insurance claims reported plus those outstanding at the start of the year.

3- The data related to claim complaints and policy purchase complaints is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

4- The Solvency Ratio data is taken from NL-26, insurer public disclosures (Q4, FY 2024-2025).

5- The data related to claims settled within 30 days is taken from NL-39, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing number of health insurance claims paid within 30 days by the total health insurance claims paid during the year.

6- The Claims Incurred Ratio data is taken from NL-4 and NL-5, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing the Net Claims Incurred by the Net Earned Premium.

7- The Turnover data is taken from NL-4, insurer public disclosures (Q4, FY 2024-2025). It is calculated by converting net written premium to gross written premium.

8- The number of policies and claims data is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

9- The Claim Rejection Ratio data is taken from NL- 37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing total claims repudiated and rejected by the sum of total claims outstanding at the beginning of the year and total claims reported during the period.

10- For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.

11- We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service.

12- Affordability assessment of plans:

• The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹10 Lakhs.
• The affordability of Care Freedom Plan is assessed for a 46-year-old couple in Zone 1 with ₹10 lakh cover; premium as of 16th April 2026.
• The affordability of Care Freedom (Plan 1) is assessed for ₹5 lakh cover; premium as of 16th April 2026.
• The affordability of Acko Platinum Health Insurance is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of February 2024.
• The affordability of ICICI Lombard MaxProtect (Premium) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹1 Crore. And, the premium is as of February 2024.
• The affordability of Niva Bupa - Senior First (Platinum), Manipal Cigna - Prime Senior (Elite) is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of February 2024.
• The affordability of Aditya Birla Activ One (VIP+) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of March 2024.
• The affordability of Aditya Birla Activ One (VIP) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2024.
• The affordability of Care Advantage Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of April 2024.
• The affordability of IndusInd General Health Global (Elite) Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1.5 Crores and global cover of $0.15 Million. And, the premium is as of August 2024.
• The affordability of Star Health - Premier is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of April 2025.
• The affordability of ManipalCigna - LifeTime Health (India) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2025.
• The affordability of Care Insurance Senior Health Advantage is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of June 2025.
• The affordability of Optima Secure Global & Optima Secure Global Plus Plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1 Crore. And, the premium is as of February 2026.
• The premium for Optima Super Secure is available only for a 3-year tenure and the pricing has been considered accordingly.

13-Premium ratings are as of 19th January 2026.

• For Activ One (VYTL), asthma was considered as the PED for premium retrieval.
• Aditya Birla Health – Activ Health Platinum (Enhanced): child age set to 5 years (minimum allowed).
• Care Plus: one adult must be 35+; test case updated accordingly to meet the minimum requirement.
• Care Supreme (Vikas): one adult must be 30+; test case updated accordingly to meet the minimum requirement.

14- We have considered the Inflation Protection benefit under Acko’s Platinum and Standard Health Plan instead of the No Claim Bonus Benefit.

15- We have only considered features, benefits, and limits of ‘India Cover’ under IndusInd General's Health Global (Elite) Plan.

16- The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans.

17- Only those hidden and special conditions that apply to the benefits and features we have considered are included on the product pages.

18- The product pages only include the most significant specific exclusions under each plan, which we've simplified for better understanding.

19- The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).

20- If the policy wording, brochure, or prospectus states that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.

21- We take into account more parameters, beyond those shown above, when calculating the customer service rating.

22- The response time on X (Twitter) was calculated using a sample set of tweets from July 2025 to December 2025 (analyzed in January 2026). The Response time on Toll Free was last evaluated in March 2026.

23- The metrics like claim complaints, policy purchase complaints, response time on Twitter and toll-free are not related to a specific product but are related to the overall performance of the insurance company.

24- The network hospitals' data was last updated in January 2026.

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

The New India Yuva Bharat (Platinum) Plan, a comprehensive health insurance product from New India Assurance Company, is designed to protect you against unanticipated medical costs, which often lead to significant financial hardship. With the help of this coverage, you and your family may get the medical treatment you need without having to worry about rising prices.

When compared to other policies in the market, the New India Yuva Bharat (Platinum) Plan has a competitive price. It provides a wide spectrum of coverage, including aspects that other plans frequently ignore, such as child care, pregnancy, infertility, and even congenital disorders (both internal and external). Furthermore, it addresses more specialised requirements by providing coverage for hazardous activities, puberty and menopausal disorders.

This plan does have a few limitations though, especially with regard to the room rent limit and sub-limits for treatments like mental illness, artificial life maintenance, congenital external diseases, etc. New India Assurance Company has had less complaints on claim settlement and policy purchase categories, you can anticipate a seamless customer experience when buying the policy and submitting claims.

What are the benefits offered by the New India Yuva Bharat (Platinum) Plan?

• Inpatient hospitalisation coverage: The New India Yuva Bharat (Platinum) Plan offers extensive financial protection for inpatient hospitalization, which applies when a patient is required to stay in the hospital for over 24 hours. This coverage encompasses a broad spectrum of expenses, including room charges, nursing care, consultations with doctors, prescribed medications, ICU expenses, and other vital medical treatments. Notably, this plan provides unlimited coverage for ICU costs and sets a single AC room as the maximum limit for room rent.
• Pre-Hospitalization Coverage: Under pre-hospitalisation coverage, the plan extends coverage to essential medical expenses incurred prior to hospitalization, such as consultations, diagnostic tests, and medical reports, provided these are directly related to the condition requiring admission. Under this plan, coverage is applicable only if the inpatient hospitalization claim is approved, offering peace of mind for costs incurred up to 60 days before hospitalization. With the New India Yuva Bharat (Platinum) Plan, these pre-hospitalization expenses are covered within the sum insured, ensuring seamless financial support leading up to your treatment.
• Post-Hospitalization Coverage: The road to recovery often extends beyond the hospital stay, making post-hospitalization coverage a critical part of your healthcare plan. This benefit ensures financial support for follow-up consultations, prescribed medications, and routine check-ups necessary for your continued care. To qualify for coverage, these expenses must be directly linked to your hospital stay and backed by an approved inpatient hospitalization claim. The New India Yuva Bharat (Platinum) Plan provides comprehensive post-hospitalization coverage for up to 90 days after discharge, ensuring uninterrupted assistance during your recovery, all within the sum insured.
• Daycare Treatment Coverage: Advances in medical technology have made it possible to perform many surgeries and procedures in a single day, eliminating the need for prolonged hospital stays. These are categorized as daycare treatments. The New India Yuva Bharat (Platinum) Plan offers full coverage for all daycare procedures, up to the sum insured, giving you financial peace of mind.
• Domiciliary Treatment Coverage: In certain situations, patients may require urgent medical care at home - whether due to unavailability of hospital beds or because their condition makes transportation to a hospital unsafe. While domiciliary treatment plays a crucial role in such scenarios, it’s important to note that the New India Yuva Bharat (Platinum) Plan does not provide coverage for this type of treatment.
• Organ Donor Coverage: Organ transplants are often life-saving procedures, and the costs involved shouldn’t become a roadblock during such critical moments. The New India Yuva Bharat (Platinum) Plan offers financial support by covering the inpatient expenses incurred by the organ donor for the transplant procedure. This coverage, provided up to the sum insured, ensures much-needed relief during a time when medical and emotional support are equally vital.
• Modern Treatment Coverage: Advancements in medical technology have transformed the healthcare landscape, offering solutions to conditions once thought untreatable. Innovative techniques such as robotic surgeries, radiosurgeries, and stem cell therapies are at the forefront of this revolution. Recognizing the importance of these cutting-edge treatments, the New India Yuva Bharat (Platinum) Plan provides coverage tailored to modern medical breakthroughs, though with specific sub-limits applicable to various procedures.
• Non-Medical Expenses Coverage: Healthcare expenses often go beyond direct medical treatments, encompassing items like vaccinations, gloves, nebulization kits, oxygen masks, medical footwear, urine bags, hospital gowns and more. While these non-medical costs can accumulate, it’s essential to note that the New India Yuva Bharat (Platinum) Plan does not extend coverage to such items.
• No Claim Bonus: Not making a claim during a policy period not only reflects good health but also rewards you with added benefits. Under the New India Yuva Bharat (Platinum) Plan, the No Claim Bonus enhances your coverage, offering up to 30% of the sum insured. This includes a 10% annual bonus for each year without a claim. However, in the event of a claim, the accumulated bonus will reduce accordingly.
• Super No Claim Bonus: The Super No Claim Bonus is an upgraded version of the standard No Claim Bonus. However, it’s important to note that the New India Yuva Bharat (Platinum) Plan does not feature this enhanced benefit.
• Restoration Benefit: Unforeseen medical costs can exhaust your coverage faster than expected, but the restoration benefit ensures continued financial protection. With the New India Yuva Bharat (Platinum) Plan, this feature allows you to restore your coverage once per policy year. It activates for subsequent claims when the sum insured and no claim bonus are entirely utilized. Notably, this benefit applies exclusively to unrelated illnesses, offering a safety net for diverse medical situations and ensuring comprehensive protection.

The limitations and prerequisites for the benefits mentioned above are applicable specifically to a Rs. 10 lakh sum insured.

New India Yuva Bharat (Platinum) Plan: Financial Limits

• Room Rent Limit: The room rent limit sets the maximum coverage your insurance provides for hospital room charges. Staying within this limit ensures that you won’t face additional out-of-pocket expenses for room costs. However, if you choose a room beyond the set limit, it could result in proportionate deductions from all related treatment costs, not just the room rent difference. With the New India Yuva Bharat (Platinum) Plan, you are eligible to opt for a Single AC room as part of the coverage.
• ICU Rent Limit: The ICU rent limit outlines the maximum coverage for your stay in the intensive care unit. A standout feature of the New India Yuva Bharat (Platinum) Plan is that there is no cap on ICU rent charges, meaning the full cost of your ICU stay is covered, up to the sum insured. This ensures complete financial protection for critical care, offering peace of mind during medical emergencies.
• Copayment: A copayment, or copay, is the portion of an approved claim that you are required to pay out of pocket. Once you’ve covered this amount, the insurer handles the remaining eligible expenses. Notably, the New India Yuva Bharat (Platinum) Plan does not include a copayment clause, ensuring you won’t need to worry about this additional cost.
• Deductible: The deductible is the amount you must pay upfront for medical expenses before your insurance coverage begins. Fortunately, the New India Yuva Bharat (Platinum) Plan does not have a deductible requirement, providing you with more straightforward access to your coverage.
• Limits on Surgeries/Treatments: It’s crucial to understand any limits on surgeries or treatments when reviewing your health insurance policy. These limits define the maximum coverage available for specific medical procedures, and they can vary widely between different plans. While some policies set strict limits, others offer more flexibility, ensuring extensive coverage for critical treatments. Being informed about these details allows you to plan effectively and avoid unexpected out-of-pocket costs. Under the New India Yuva Bharat (Platinum) Plan, joint replacement surgeries are covered up to the sum insured, while cataract treatments are covered up to Rs. 50,000.

The financial limits mentioned above apply to a 30-year-old individual in Zone 1 with a sum insured of Rs. 10 Lakhs.

New India Yuva Bharat (Platinum) Plan: Waiting Periods & Exclusions

👉Waiting period

A waiting period is the timeframe after purchasing a health insurance policy during which certain medical conditions and treatments are not covered. Claims for these conditions can only be filed once the waiting period is completed. It’s important to understand that waiting periods can vary between different insurance providers. Here's a breakdown of the various waiting periods:

• Initial Waiting Period: This applies to all medical conditions, except accidents, and lasts for 30 days. During this period, claims for hospital stays related to illnesses cannot be made. However, accidents are covered right from day one, ensuring immediate support in case of an emergency.
• Waiting Period for Pre-Existing Conditions: A pre-existing condition refers to any illness or health issue you’ve had in the 36 months before purchasing health insurance. Under the New India Yuva Bharat (Platinum) Plan, there is a waiting period of 24 months for pre-existing conditions. This means that expenses for these conditions can be claimed only after completing this waiting period.
• Waiting Period for Specific Diseases: Some insurers may impose waiting periods for specific diseases, regardless of your medical history. These waiting periods are predetermined by the insurer and are independent of your current health. The New India Yuva Bharat (Platinum) Plan has waiting periods of 3, 12, or 24 months for certain specific diseases, depending on the condition.

👉Exclusions

In health insurance policies, exclusions refer to specific medical conditions or situations that are not covered by the policy. It’s important to be aware of these exclusions, as they highlight the instances where your coverage won’t provide financial protection. Here are some common examples of standard exclusions:

• Standard Permanent Exclusions:

These exclusions are regulated by the Insurance Regulatory and Development Authority of India (IRDAI), meaning they apply to all insurers. Some of the key permanent exclusions include:

• Evaluation and Investigation: Hospitalization for mere observation or monitoring without any active treatment or surgery.
• Rest, Rehabilitation, and Respite Care: Treatments focused on rest and rehabilitation that do not involve active medical procedures or surgeries.
• Obesity/Weight Control: Treatments aimed at weight loss or controlling obesity, whether surgical or medical.
• Gender Change: Procedures related to gender transition or altering gender identity.
• Plastic/Cosmetic Surgery: Surgeries or treatments designed solely for cosmetic purposes or to enhance physical appearance.
• Profession in Adventure or Hazardous Sports: Medical costs incurred from participating in high-risk activities like mountaineering, river rafting, scuba diving, or other adventure sports.
• Breach of Law: Treatment costs for individuals involved in criminal acts or attempting to commit them.
• Excluded Providers: Expenses incurred for treatment at healthcare providers or hospitals outside the insurer’s approved network.
• Narcotics: Treatment for substance abuse disorders, including addiction to alcohol, drugs, or other substances.
• Treatments in Establishments for Domestic Purposes: Costs associated with treatments in nursing homes or facilities meant for non-medical, domestic care.
• Dietary Supplements: Expenses for vitamins, minerals, and other supplements bought without a prescription.
• Refractive Error: Costs related to treating refractive vision issues (up to 7.5 diopters) for eyesight improvement.
• Unproven Treatments: Medical procedures or treatments that are not scientifically validated or deemed ineffective.
• Sterility, Birth Control, and Infertility: Expenses related to contraception, sterilization, artificial insemination, or advanced reproductive treatments like IVF, GIFT, ZIFT, ICSI, and gestational surrogacy.
• Maternity Expenses: Costs for prenatal and postnatal care, as well as hospitalization for childbirth.

Understanding these exclusions is essential for managing your health insurance effectively and avoiding unexpected gaps in coverage when you need it most.

• Additional Permanent Exclusions: In addition to the standard permanent exclusions, insurance providers may also exclude certain medical conditions or situations from coverage. For example, with serious or high-risk conditions, insurers may decide to permanently exclude them due to the potential risks involved.

However, it’s important to understand that health insurers are limited by a specific list of illnesses for which they can apply permanent exclusions, as set by the Insurance Regulatory and Development Authority of India (IRDAI). This ensures that insurers cannot arbitrarily exclude any conditions beyond the predefined list. These regulations provide assurance, knowing that insurers are bound by strict guidelines, which ultimately protects customers from unforeseen exclusions.

• Non-Standard Exclusions (Specific Exclusions): Non-standard exclusions go beyond the standard permanent exclusions set by the IRDAI, and they can vary significantly between insurance providers. These exclusions are specific to the terms and conditions of each individual policy. As such, it's crucial for policyholders to carefully review their insurance plan to understand any additional exclusions that might apply. Below are some key specific exclusions under the New India Yuva Bharat (Platinum) Plan:

Acupressure, acupuncture, and magnetic therapies

Any expenses incurred from domiciliary hospitalization

Circumcision, unless medically necessary to treat a disease or injury

Treatment related to general debility and convalescence

Costs for spectacles, contact lenses (beyond what is specified), hearing aids, walkers, crutches, wheelchairs, and similar equipment

Injury or illness caused by nuclear, chemical, or biological attacks or weapons

Stem cell therapy, except for hematopoietic stem cells used in bone marrow transplants to treat hematological conditions

Hyperbaric Oxygen Therapy, Enhanced External Counter Pulsation, Rotational Field Quantum Magnetic Resonance, and External Counter Pulsation

Expenses related to vaccination and inoculation

Injury or disease caused by war, invasion, acts of foreign enemies, and warlike operations

Change of treatment from one system of medicine to another, unless recommended by the current treating consultant or hospital

• Acupressure, acupuncture, and magnetic therapies
• Any expenses incurred from domiciliary hospitalization
• Circumcision, unless medically necessary to treat a disease or injury
• Treatment related to general debility and convalescence
• Costs for spectacles, contact lenses (beyond what is specified), hearing aids, walkers, crutches, wheelchairs, and similar equipment
• Injury or illness caused by nuclear, chemical, or biological attacks or weapons
• Stem cell therapy, except for hematopoietic stem cells used in bone marrow transplants to treat hematological conditions
• Hyperbaric Oxygen Therapy, Enhanced External Counter Pulsation, Rotational Field Quantum Magnetic Resonance, and External Counter Pulsation
• Expenses related to vaccination and inoculation
• Injury or disease caused by war, invasion, acts of foreign enemies, and warlike operations
• Change of treatment from one system of medicine to another, unless recommended by the current treating consultant or hospital

These exclusions underscore the importance of understanding the detailed terms of your health insurance policy. Being aware of these specifics helps you navigate your coverage limits and ensures there are no surprises when you need care.

What to expect in terms of claims experience if you buy from New India Assurance Company Limited?

• Speed of Claims Settlement: New India Assurance Company is committed to a fast and efficient claims process, with 72.38% of claims resolved in under 30 days.
• Claim-Related Complaints: Although New India Assurance Company has a low complaint rate of 0.06%, it is slightly higher compared to some other insurers. However, this still represents a small fraction of the total claims processed, reflecting the company's overall effectiveness in handling claims.
• Claims Incurred Ratio: The claims incurred ratio, which compares the total claims paid to the premiums collected in a fiscal year, is a key indicator of an insurer's financial health. For New India Assurance Company, this ratio stands at 105.87%.
• Claim Settlement Ratio: New India Assurance Company boasts a claim settlement ratio of 93.27%, which signifies the percentage of claims settled out of those received in a given year. This high ratio highlights the company’s robust claims handling and ability to resolve claims efficiently.
• Network Hospitals: With a network of over 2,055+ hospitals, New India Assurance Company offers an extensive selection of facilities where policyholders can avail cashless treatment. This removes the burden of upfront payments, providing convenient and accessible care when you need it the most.

How is the customer service of New India Assurance Company Limited?

• Policy Purchase-Related Complaints: New India Assurance Company maintains a remarkably low complaint rate of just 0.00% when it comes to after-sales service, which stands out favorably compared to other insurance providers. This demonstrates their strong commitment to ensuring customer satisfaction and delivering a smooth post-purchase experience.
• Response on Toll-Free: As per our research, New India Assurance Company’s response time on their toll-free number is average, ensuring that customers can get support when needed.
• Response on X (Twitter): While New India Assurance Company is effective in many areas, our analysis indicates that their response time on X (formerly Twitter) tends to be slower compared to other insurers. This highlights a potential opportunity for improvement in their digital engagement to enhance customer interaction through social media.

About New India Assurance Company Limited

New India Assurance Company Limited is one of India’s oldest and most established general insurance providers. Founded in 1919 and headquartered in Mumbai, Maharashtra, the company offers a diverse range of insurance products to meet various customer needs, including health, motor, travel, and marine insurance. The company is currently led by Ms. Neerja Kapur, who serves as its Chairman and Managing Director.

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Industry Experts with up to 20 years of experience help you from purchase to claims.