New India Yuva Bharat Health Policy: Base, Gold and Platinum
Yuva Bharat (UIN NIAHLIP25059V042425) waits 24 months for pre-existing diseases and 12 months for most listed illnesses. The room is a single AC room at ₹5 to 15 lakh cover and a deluxe AC room from ₹25 lakh. The bonus is 25% a year up to 100%; on Gold and Platinum it is guaranteed, so a claim does not reduce it. Cover is reinstated once a year on Base and twice on Gold and Platinum, for unrelated illness. Maternity is on Platinum only.
Base vs Gold vs Platinum
| Base | Gold | Platinum |
|---|
| Bonus | 25% a year up to 100%, reduced after a claim | Guaranteed, not reduced by a claim | Guaranteed, not reduced by a claim |
|---|
| Reinstatement | Once a year, unrelated illness | Twice a year, unrelated illness | Twice a year, unrelated illness |
|---|
| Maternity | Not covered | Not covered | After 24 months, up to 2 claims |
|---|
| Air ambulance | Not covered | Covered | Covered |
|---|
Limits in every plan
- Room: single AC room at ₹5, 10 and 15 lakh; deluxe AC room at ₹25 lakh and above.
- Cataract and modern treatments have caps that depend on the sum insured.
- Road ambulance: ₹5,000 to ₹20,000 per illness, by sum insured.
- 10% co-payment only if you pay a Zone II premium and are treated in a Zone I city.
- Treatment at home is not covered.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 24 months. |
|---|
| Listed illnesses and surgeries | 12 months for most; 24 months for joint replacement and some others. |
|---|
| Maternity (Platinum) | 24 months. |
|---|
Frequently asked questions
What is the pre-existing disease waiting period in New India Yuva Bharat?
24 months of continuous cover.
What is a guaranteed cumulative bonus?
On Gold and Platinum, a bonus already credited is not reduced if you claim later.
Does Yuva Bharat cover maternity?
Only the Platinum plan, after 24 months, for up to 2 claims in a lifetime.
Compare these plans clause by clause
Where this comes from
- New India Yuva Bharat Health Policy wording, UIN NIAHLIP25059V042425. Clauses 2.19 Guaranteed Cumulative Bonus, room by sum insured, reinstatement, maternity, zone co-payment, 4.4.17, waiting periods.
Checked against the wording on 2026-10-09.
Terms on this page, explained
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