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About New India Asha Kiran Policy

new india health insurance To avert ailment, investing in the health insurance policy of a company like the New India Asha Kiran Policy would always beneficial for sure. Getting the total three sixty degrees protection of your health and avert health related hazards investing in the medicalim policy of New India Asha Kiran is always there.

Health Insurance Policy Types

Senior Citizen

New India Asha-Kiran provides the best care of the elderly person. People aged between 65 to 80 would get the bet medical help with it.

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Critical Illness

Medical policy of the New India Asha Kiran will provide the best critical illness coverage. Listed critical diseases get the best treatment through it.

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Family Floater

Not only the close members of your like your parents or spouse, but along with up-to other fifteen members can share the insured medicalim policy.

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Individual

By investing in the medclaim plans of the New India Asha-Kiran Policy you can get the best help relating with medical need to avert health problems.

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Group Mediclaim Policy

A large number of people can get the ultimate coverage in health insurance policy by the group mediclaim policy of Asha-kiran by New India.

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New India Assurance - Package Motor Policy

The package motor policy shields the policyholder from Third-Party Liability and protects the vehicle of the insured from a range of natural and man-made disasters as well.

New India Assurance Two Wheeler Policy

New India Assurance Two Wheeler Policy shields the policyholder from Third-Party Liability and protects the vehicle of the insured from a range of natural and man-made disasters as well.

New India Assurance Senior Citizen Mediclaim Policy

New India Assurance Senior Citizen Mediclaim Policy is designed for elderly people between 60 and 80 years of age and provides a maximum coverage of Rs 1.5 lakh.

Top Policies
New India Assurance Asha Kiran Policy

The New India Asha Kiran Policy covers the expenses of treatment of entire family of the policyholders within India and offers personal accident coverage to parents.

New India Assurance Janta Mediclaim Policy

New India Janata Mediclaim policy covers self, spouse. Parents can also include maximum two dependent children between the ages of 3 months and 18 years.

New India Assurance Overseas Mediclaim Policy

New India Assurance Overseas Mediclaim Policy covers medical expenses of insured persons due to sickness, injuries while travelling outside India.

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Overview of New India Asha Kiran Policy

Benefits of this policy

Frequently asked questions

This policy can be availed by the parents of only girl children. One can avail this policy if he is between 18 to 65 years of age. This insurance can provide coverage to the insured, insured’s spouse and dependent daughter. A maximum of 2 daughters who are aged between 3 months to 25 years age can avail the benefits of this insurance. However, it is important to have minimum of two family members to avail this insurance, where there should be at least one daughter. If one wants to add a new family member, it is not allowed unless a second girl is born within the policy term. One can insure a minimum amount of sum assured as 2 lakhs and a maximum of 8 lakhs.

Asha Kiran is a floater health insurance designed to provide accidental and hospitalization cover for the proposer and his/her spouse. The insured and his/her family get coverage for critical illnesses and accidents. 10% of sum insured will be paid along with additional treatment claims for critical illnesses. The insured and his/her family members also get reimbursement for expenses on 74 types of major day-care treatments. In this policy, the insured and his family members can get themselves treated only within the country. Even in India, if the insured has paid premium for lower zone of treatment and is getting treated in the higher zone, the insurance benefit can be available on the sum assured or 80% of admissible claim amount, whichever is less.

This policy is quite helpful for anyone who has only daughters. There are several benefits of this policy that can provide you financial support at the time of need. Few of the prominent benefits of this policy are:

  • Covers several critical illnesses
  • Reimbursement of medical and hospitalization expenses
  • Covers congenital diseases and abnormalities
  • Covers congenital diseases and abnormalities
  • Daily cash on hospitalization
  • Covers all the medical expenses before hospitalization
  • Covers all the medical expenses post-hospitalization
  • 74 types of day-care treatments covered
  • Grace period provided for policy renewal
  • No fixed time limit for policy renewal
  • Cashless treatment in network hospitals
  • Fast processing for reimbursement of medical expenses
  • Free look up period for 15 days
  • Income tax benefit under section 80D
  • New India Asha Kiran policy covers Room Rent / Boarding/ Nursing Expenses and other expenses as specified in policy up to 1% of Sum Insured
  • New India Asha Kiran policy covers Fees of surgeon, anesthetist, consultants, medical practitioner and specialists up to entire amount of Sum Insured
  • New India Asha Kiran policy covers expenses for Oxygen, OT charges, blood, diagnostic materials, surgical appliances, medicines etc. up to entire amount of Sum Insured
  • New India Asha Kiran policy covers expenses for cost of Chemotherapy, Dialysis, prosthetic devices, radiotherapy and artificial limbs up to entire amount of Sum Insured
  • New India Asha Kiran policy covers entire hospitalization expenses for organ transplant (without the cost of organ) up to entire amount of Sum Insured
  • New India Asha Kiran policy covers Cataract and similar ailments up to 10% of sum assured or Rs. 50000, whichever is less
  • New India Asha Kiran policy covers Accidental death of either of two (insured or spouse) up to 100% of sum assured both (insured and spouse)- 200% of sum assured
  • New India Asha Kiran policy covers Loss of single limb/eyesight of either of two (insured or spouse) up to 50% of sum assured both (insured and spouse)- 100% of sum assured
  • New India Asha Kiran policy covers Permanent total disablement of either of two (insured or spouse) up to 100% of sum assured both (insured and spouse)- 200% of sum assured
  • New India Asha Kiran policy covers Loss of one eye (s) and limb (s) of either of two (insured or spouse) up to 100% of sum assured both (insured and spouse)- 200% of sum assured
  • Designed for especially parents with only girl children
  • A minimum of one and a maximum of two daughters can be included
  • Insurance is issued only when at least two members are covered, of them one should be insured’s daughter
  • Insured should be in between 18 to 65 years of age
  • Daughter(s) should be in between 3 months to 25 years to avail the benefit
  • 10% to be given in addition to the claimed amount in case of critical illnesses
  • Cashless hospitalization benefit in network hospitals
  • Reimbursement available for hospitals throughout the country
  • No particular age for renewal
  • Daily cash benefit on hospitalization
  • 200% of sum assured provided on accidental death or permanent
  • disablement of eyesight or limb of both insured and spouse
  • Reimbursement of medical expenses of up to 74 day-care treatments
  • Income tax benefit under section 80D
  • Major critical illnesses and ailments like Cancer, organ failure, etc.
  • Cataract and eye surgeries
  • 74 types of day care treatments
  • Accidental death
  • Loss of limbs
  • Artificial implant
  • Hernia of all types
  • Gastric or Duodenal ulcer
  • Piles, Fistula and fissures
  • Hydrocele

Although Asha Kiran Policy covers most of the critical illnesses and ailments, few of the ailments are not covered by this policy at all. There are many ailments that are covered after the insured has continued the policy for a particular span of time. The list of exclusions include-Not payable until the insurance is minimum 24 months old-

  • Benign prostate hypertrophy
  • Cataract and age related eye ailments
  • Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus
  • Benign ear, nose, throat disorders
  • Hernia of all types
  • Gastric/ Duodenal Ulcer
  • Stones in Urinary system
  • Piles, Fissures and Fistula in anus
  • All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
  • Stone in Gall Bladder and Bile duct, excluding malignancy
  • Hydrocele
  • Non Infective Arthritis
  • Pilonidal sinus, Sinusitis and related disorders
  • Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident
  • Gout and Rheumatism
  • Skin Disorders
  • Hypertension
  • Varicose Veins and Varicose Ulcers
  • Diabetes Mellitus

If above-mentioned diseases are raised from pre-existing condition, reimbursements will not be made at all.

Not payable until the insurance is minimum 48 months old-

  • Age related Osteoporosis and Osteoarthritis
  • Joint replacement
  • Any kind of degenerative condition
  • Ailments, illness or injury due to invasion, war or foreign act
  • Plastic or cosmetic surgery unless needed due to an accident
  • Circumcision unless a necessary procedure of treatment
  • Any pre existing disease
  • Vaccination, jab or inoculation
  • Treatment of injury while engaged into criminal activities
  • Generic disorders and stem cell implantation
  • Insured should be an Indian citizen
  • Should have only girl children
  • Must insure self or any family member and a daughter
  • Should be within 16 to 65 years age
  • Daughter (s) should be between 3 months to 25 years of age
  • In case of unmarried daughters, there is no maximum age limit
  • There is no age limit in case of mentally challenged daughters
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Anyone who has only girl children can avail this policy. One can avail this policy between 18 years to 65 years of age. One or more daughters in between 3 month to 25 years of age can avail the benefit. However, if your daughter is unmarried and financially dependent on you, she can avail benefits under this policy.

The proposer, his/her spouse and his/her daughters (maximum two) can get covered under a single policy.

The insurer has every right to choose any one of the policy benefits as per his/her wish. If the amount of medical expenses exceeds from the sum assured of a single policy, the insurer can choose the option of part reimbursement from both of the insurance providers. The company is not liable to pay more than policy’s terms and conditions.

If your claim falls between two policy periods, your claim should be taken into consideration and expenses will be paid on the basis of sum insured available in there two policy periods. This will also include necessary deductibles for every policy period.