Yuva Bharat Health Policy Full Review | New India Assurance | Benefits, Waiting Periods & Sublimits

🎥 Yuva Bharat Health Policy Full Review | Transforming 360

In this 22-min video, we’ve explained the Yuva Bharat Health Policy by New India Assurance — specially designed for young individuals and young families (age 18 to 45 years).👫

It comes in Base, Gold and Platinum plans with Sum Insured from ₹5 Lakh to ₹1 Crore and covers almost everything — hospitalisation, daycare, modern treatments, maternity, infertility, mental illness, congenital diseases, well-baby care, critical care and more.💡

⏳ Waiting Periods (Must Know)

🔺30 days for any illness (accidents from day 1)
🔺90 days -for diabetes, BP, heart problems
🔺12 months for internal congenital, cataract, hernia, piles, skin issues etc.
🔺24 months for- external congenital, genetic problems, mental illness, ARMD, joint replacement, osteoarthritis, maternity, infertility, birth right benefit

🔻PED 24 months for pre-existing diseases (PED)

💰 Important Limits (Sub-limits)

🔸Room Rent:-
₹5–15L SI → Single AC room
₹25L–1Cr SI → Deluxe AC room

🔸Cataract: ₹50,000 to ₹1.5 Lakh

🔸Modern treatments (robotic, stem cell, chemo): ₹2L to ₹7.5L

🔸Hazardous sports injuries: covered up to 10% of sum insured.

🔸Artificial life support: 25% of sum insured (max 15 days)

🔸Maternity (Platinum only): ₹25K–₹50K
Infertility (Platinum only): ₹50K–₹2L
Pre-term baby cover: ₹30K–₹1L
Vaccination (up to 2 years): 0.1% of sum insured
Consumables (optional): ₹15,000 (if opted & SI ≥10L)

🌟 Top 5 Strong USP-☀️

1)Mental illness treatment covered (after 24 months, up to 25% of SI)
2)Hazardous sports injuries covered (trekking, rafting, scuba, skiing etc.)
3)Congenital diseases covered (internal after 12 months, external after 24 months)
4)Covers maternity, infertility & birth right benefits (Platinum plan)
5)Personal Accident Insurance Cover upto Sum Insured.

⚠️ 5 Things to Keep in Mind

1)Entry allowed only till 45 years
2)Many diseases covered after 12–24 months
3)Fixed room rent limit (extra room rent not fully paid)
4)Consumables cover optional & only ₹15,000
5)Maternity & infertility only after 24 months and only in Platinum.

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⚠️ Disclaimer: This video is for awareness only. Policy terms, conditions and benefits may change — please read the official brochure and consult a licensed advisor before buying.