Policy review · The New India Assurance Company
New India Yuva Bharat (Gold)
The New India Assurance Company's individual plan, reviewed on the clauses that actually decide your claim — room rent, co-pay, sub-limits, waiting periods and the insurer's claims record.
InsuranceScope score
3.7
★★★★☆
The verdict
New India Yuva Bharat (Gold) is an individual health insurance plan from The New India Assurance Company. It stands out for no co-payment and built-in restoration. On the downside, disease-wise sub-limits apply on some treatments — worth weighing before you buy. On the insurer side, it reports 94.98% of claims settled by count and a 20,800+ cashless hospital network.
Where it wins
No co-payment — the insurer pays the full approved claim, with nothing deducted as your share.
Restoration is included — the sum insured refills twice in a policy year, triggered on full exhaustion of sum insured & bonus, for a unrelated illness.
Cover grows by 25% for each claim-free year, up to 100% of the base sum insured.
Day-care procedures that take under 24 hours — cataract, dialysis, chemotherapy and similar — are covered.
Consumables like gloves, syringes and PPE are paid rather than deducted from your claim at discharge.
Strong claims record — 94.98% of claims settled by count across 20,800+ cashless network.
Where it stings
Room rent is limited to Single AC Room — choosing a costlier room can trigger proportionate cuts across the whole bill.
Disease-wise sub-limits apply — some treatments are capped below your sum insured, so verify the caps for conditions like cataract or joint replacement.
Waiting periods
No cover in this window except for accidental hospitalisation.
Named conditions such as cataract, hernia and joint replacements wait this long.
Conditions you already have are covered only after this period.
Claims snapshot
The New India Assurance Company, latest IRDAI disclosure year — how the insurer behind the plan actually performs.
Approved by number of claims.
Claims paid vs premium collected.
How quickly claims are paid.
On overall claims — lower is better.
Key features
Limited to Single AC Room; a costlier room can reduce the rest of the claim.
No separate cap on ICU charges.
None — the insurer bears the full approved claim.
Applies — certain treatments are capped below the sum insured.
The sum insured refills twice in a policy year, triggered on full exhaustion of sum insured & bonus, for a unrelated illness.
Cover grows by 25% for each claim-free year, up to 100% of the base sum insured.
Pre-hospitalisation 60 days and post-hospitalisation 90 days of connected medical costs are covered.
Procedures under 24 hours, such as cataract and dialysis, are covered.
Non-medical items like gloves, syringes and PPE are paid, not deducted.
At-home treatment is covered when hospital admission is not possible.
Common exclusions
Typical across most Indian health plans — always confirm the exact exclusions in New India Yuva Bharat (Gold)'s policy wording.
Cosmetic or aesthetic treatment, unless needed to reconstruct after an accident or burns.
Self-inflicted injuries and conditions arising from alcohol or substance abuse.
Treatment arising from war, nuclear or allied perils.
Admissions purely for investigation, evaluation or bed rest with no active treatment.
Unproven or experimental treatments not backed by established medical practice.
Frequently asked questions
No. New India Yuva Bharat (Gold) does not require a co-payment under the base cover.
Room rent under New India Yuva Bharat (Gold) is Single AC Room. Choosing a costlier room can reduce the rest of your claim.
2. Claims for conditions you already had are covered only after this waiting period.
Yes. New India Yuva Bharat (Gold) refills the sum insured after it is exhausted (twice in a policy year).
Yes. New India Yuva Bharat (Gold) covers day care procedures that take under 24 hours, such as cataract surgery or dialysis.
20,800+ cashless network hospitals are reported for New India Yuva Bharat (Gold), where the insurer settles bills directly.