🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: August 7, 2025
The New India Assurance Floater Mediclaim Policy and the New India Yuva Bharat Gold Health Policy cater to different needs. The Floater Mediclaim Policy is ideal for families, offering a single sum insured shared among all members, covering hospitalization, pre- and post-hospitalization, and a wide age band for entry. It’s suitable for those seeking comprehensive coverage for all family members under one premium. In contrast, the Yuva Bharat Gold Health Policy is tailored for younger individuals and families, emphasizing modern-day benefits like restoration of sum insured, wellness rewards, coverage of OPD expenses, and a digital-first approach, making it appealing for tech-savvy, health-conscious youth. While both policies offer essential health coverage, the choice depends on the insured’s age, desired features, and family composition—pick Floater Mediclaim for traditional, all-age family protection, or Yuva Bharat Gold for enhanced, youth-centric benefits and flexibility.
Author
Read Bio
Reviewed by
Read Bio
The demand of the comprehensive health insurance is increasing in India as health awareness increases. Among lots of persons and families in need of the appropriate coverage two best options of New India Assurance such as Floater Mediclaim Policy and Yuva Bharat Gold Health Policy frequently appear on the shortlist. Which of these is best-suited to you in 2025? We would like to present you with a comparison comparison, advantages, and professional opinions to make your choice.
The greatest distinction is their target audience and coverage structure.
| Name of the policy | Targeted Audience | Sum Insured (2025) | Areas of interest in the policy key focus area | Special feature of the policy in relation to max members covered |
|---|---|---|---|---|
| Floater Mediclaim Policy | Families | Rupees 2 Lakh - 25 Lakh | Family-Focused | Single sum insured on all members of the family |
| Yuva Bharat Gold Health | Young Adults | Rupees 3 Lakh -30 Lakh | Youth-centric, Individual Fitness rewards, digital health tools | Individual or family |
Targeted as a family based health insurance, various highlights are evident in this policy in 2025.
The Sharma family of Ahmedabad benefited 4 members with one Rupees 10 lakh floater sum insured. Cumulative claims settled without policy hassles and settled out of the same sum insured when Mrs. Sharma was required to undergo surgery and son had to spend a short time in the hospital.
Did you know?
Recent industry statistics show that more than 62 percent of families now use floater policies in order to control their budgets and to be convenient in handling the claims of their multiple members.
Targeting consumers between the ages of 18 and 45, especially those who live a busy lifestyle, the Yuva Bharat Gold Health Policy will present digital health benefits and incentives on wellness.
Ritik, 29, a Bengaluru-based owner of a startup gets wellness points on the days when he reaches 10,000 daily steps, which can be redeemed as a discount yuva bharat Gold plan is healthier and less expensive.
Expert Insight
According to a 2025 survey of the health sector, young Indian professionals are not only in search of hospitalization cover, but also wellness rewards and flexibility of access through digital means - which Yuva Bharat Gold deals with directly.
Although both policies are healthy, it is a matter of your member profile and lifestyle.
| Features/Benefits | Floater Mediclaim Policy | Yuva Bharat Gold Health Policy |
|---|---|---|
| Family Floater | Yes, family sum insured | Yes, individual sum insured |
| Digital Wellness Rewards | No | Yes, Fitness and lifestyle rewards |
| Maternity/Newborn Cover | Optional ( wait 2 years ) | Immediate (add-on) |
| Cashless Hospitals | 6000 and above | 7000 and above with premium plans |
| Pre-existing Disease Waiting | 4 years (common) | 2-3 years (depends on plan) |
| Mental Health Benefits | None, as of 2025 | Yes, in advanced forms |
| Chronic Illness Benefit | Standard | Customizable (lifestyle-related) |
People also ask:
Q: Is it possible to add parents in Yuva Bharat Gold Health Policy?
A: Core version is targeted predominantly to younger people and couples. In the case of parents or aged dependants the Floater Mediclaim or a senior citizen plan is better.
Did you know?
By 2025, the majority of insurers are collaborating with internet marketplaces, where a comparative analysis of detailed benefits, premiums, and network hospitals of various companies could help you to select the appropriate policy with no needless documents.
The premiums differ according to sum insured, number of members, age and policy variant.
| Insured Members | Floater Mediclaim Policy | Yuva Bharat Gold Health Policy |
|---|---|---|
| Personal, age 25, 5 lakh rupees | 7,000-8,000 rupees | 8,000-10,000 rupees |
| Couple, 32 and 30 years, 10 lakh | Rupees 14,000-15,500 | Rupees 17,000-18,000 |
| Family 4, big city, 10 lakhs | Rupees 18,000-20,500 | Rupees 22,000-25,000 |
Real-life premiums depend on city, medical history and add-ons selected.
Quote tools are available online to provide a real-time estimate of the premium used on every policy.
People also ask:
Q: Do wellness benefits increase the premiums of Yuva Bharat Gold Health Policy?
A: Yes, base premiums can be higher, but it can be reduced by renewal discounts by a net annual cost based on fitness rewards.
Most Gen Z and millennial policyholders do not focus on cover of hospitalization expenses alone. The digital wellness, telehealth and modern treatments inclusions in the Yuva Bharat Gold plan are convenient to their hectic schedules.
A Hyderabad-based IT professional monitors her steps with an attached fitness band that is connected to her insurance dashboard where premium credits are earned towards the next year- a new feature not offered by traditional floater plans.
Expert Insight
Health insurance of the future is not inert anymore, but it is connected with your everyday decisions. Yuva Bharat Gold is front-runners in reward-based healthcare involvement in youthful people in cities.
The Floater Mediclaim Policy makes it easy to the joint or extended families.
The same year a Kolkata family of six used their single floater sum insured in both cancer and dengue hospitalization, so that documentation is minimized and support is maximized.
Did you know?
Families frequently like floater plans, as they need a single plan to cover all the members and policy maintenance becomes much easier in the long-run.
| Feature | Floater Mediclaim | Yuva Bharat Gold Health |
|---|---|---|
| Hospitalization Cover | ||
| Pre/Post Hospitalization | 60/90 days | 60/180 days (on upgrade) |
| Family Floater | Yes | (nuclear families) (Optional) |
| AYUSH Cover | Limited | |
| Maternity Cover | Optional (following a period of waiting) | Optional, instant (young) |
| Digital Wellness | ||
| Mental Health | ||
| Fitness Rewards | ||
| Online Consultations | ||
| Tax Savings | ||
| No Claim Bonus | 5-25 percent | 50 percent max |
| Telemedicine | Not included | Included |
Q: Can I change Floater Mediclaim to Yuva Bharat Gold in future?
A: Yes, you can transfer your current policy on renewal but it is subject to underwriting and age restriction.
Q: What policy deals with telemedicine and Internet doctor consultations?
A: Yuva Bharat Gold Health Policy can comprise telemedicine, but older Floater Mediclaim variants might not.
Q: Both policies include annual health checkups?
A: Yuva Bharat Gold includes preventive checkups and is offered as an add-on in Floater Mediclaim.
Q: Does it have a waiting period on pre-existing diseases?
A: The waiting period in both the policies is similar, but in Yuva Bharat Gold (2-3 years), the waiting period is less than in Floater Mediclaim (4 years).
Q: What is the best premium that I can check in 2025 by age and city?
A: Compare between premiums, network hospitals and coverage add-ons of these policies and more instantly using leading online insurance marketplaces.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users (web). Start your financial journey today!
