Overview
The New India Assurance Yuva Bharat Health Policy Platinum is the most comprehensive variant of the Yuva Bharat Health Policy series, offering enhanced coverage compared to the Base and Gold plans. It includes essential benefits such as inpatient care, pre-hospitalization expenses up to 60 days, post-hospitalization expenses up to 90 days, AYUSH treatments, and daycare procedures. The Platinum plan adds significant features like maternity coverage, infertility treatment, pre-term/premature birth coverage, vaccination charges, and a well baby cover, making it suitable for families planning parenthood.
Experts Review
Written by Ishita Jain
Editor
The New India Assurance Yuva Bharat Health Policy Platinum is an upgraded version of the Gold plan, offering additional benefits that cater to families with specific needs. Its maternity coverage, infertility treatment, pre-term/premature birth coverage, and vaccination charges, make it a suitable choice for newly married couples or families planning to expand. The plan also includes critical illness benefits, personal accident cover, air ambulance services, and an auto top-up feature, enhancing financial security during emergencies.
Despite being an upgrade, the Platinum plan retains several drawbacks from its lower variants. It offers only partial coverage for modern treatments and genetic disorders, which may not suffice for those requiring advanced medical care. The restoration of the sum insured is available only once per year for different ailments, which may not be adequate for multiple claims. Additionally, the modest loyalty bonus, from 25% to 100%, and room rent restrictions are also retained, limiting flexibility during hospitalization.
Pros
Insurer has a solid track record with great claim and service metrics.
Offers Extended Coverage, which makes this policy stand out.
Cons
Not very feature-rich.
No coverage if you are forced to hospitalize at home, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some.
New India Assurance
Key Insights
Founded
1919
New India Assurance was established 106 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99% claims settled in 30 Days
New India Assurance settles 99% of all claims it receives demonstrating strong credibility.
Network Hospitals
3,700+
New India Assurance has a limited network of 3,700 hospitals, which may restrict access to cashless services for policyholders.
Complaints
5 complaints per 10,000 claims registered
New India Assurance maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Features
All
Great
Good
Bad
Maternity
STANDOUT
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹25,000 and make you wait 2 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
Extended Coverage
STANDOUT
Provides an extended scope of coverage up to specified amounts in terms of Critical Care, Personal accident cover, ambulance and Auto Top-up benefit (up to 10% of base sum insured), Maternity cover, infertility treatment cover, pre-mature baby cover and many more.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Disease sub-limit
Your insurance cover won’t be fully available in case you are treated for Genetic disorders, modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Convalescence and General debility.
Expenses incurred for Rotational Field Quantum Magnetic Resonance (RFQMR),
External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP),
Hyperbaric Oxygen Therapy.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy .
1-Year Waiting Period:
Any types of gastric or duodenal ulcers
Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty
Surgery on all internal or external tumors, cysts, nodules, polyps (including breast lumps)
All types of Hernia and Hydrocele
Waiting Period
30 days Initial waiting period
2 years Pre-existing disease waiting period
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. There is no specific illness waiting period which is a plus and the PED waiting period is better than usual.
What's missing in the policy
No coverage if you are forced to hospitalize at home.
Doctor consultations are not covered.
Customer Reviews
Q
Quincy Z.
Maternity coverage and infertility treatment are excellent additions for families.
R
Riya A.
Pre-term/premature birth coverage and vaccination charges are very thoughtful for new parents.
S
Sanjay B.
Well baby cover is a great benefit for newborns.
Z
Zoya I.
Room rent restrictions and modest No-Claim Bonus are disappointing for a Platinum plan.
X
Xavier G.
Still only partial coverage for modern treatments and genetic disorders. Expected more in Platinum.
V
Vandana E.
Good for young couples planning a family, covers many maternity related aspects.
A
Aamir Khan
Being the Platinum variant, it offers the most comprehensive coverage in the Yuva Bharat series.
B
Babita Phogat
Good sum insured options, suitable for young individuals looking for robust protection.
C
Chetan Bhagat
New India Assurance is a PSU, so there's a sense of security for some.
J
John Abraham
Need to compare specific features against private platinum plans to see true value.
H
Hrithik Roshan
As a PSU plan, claim settlement might be slower or more bureaucratic than private insurers.
F
Farhan Akhtar
A good option for young people who want a feature-rich plan from a government insurer.
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Frequently Asked Questions
Does Yuva Bharat Health Platinum have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 1 to 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 2-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 2 years waiting period before you can make claims related to pregnancy and childbirth.
- 90-Day Waiting Period: There's a 90-day waiting period for conditions arising out of Hypertension, Diabetes & Cardiac conditions unless declared as a PED.
Does Yuva Bharat Health Platinum have room rent restrictions?
Does Yuva Bharat Health Platinum offer a restoration benefit?
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