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  • New India Asha Kiran Policy

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    The New India Asha Kiran Policy is especially designed to cover the expenses incurred in hospitalization. This health insurance policy also provides personal accident cover of parents. One of the leading life insurance companies with a strong international presence, New India Assurance Company is present in almost 27 countries. The company is headquartered at Mumbai and offers customized health insurance plans to meet your medical costs. The New India Asha Kiran Policy covers you and your family members under a single sum assured. The New India Asha Kiran Policy covers medical treatments carried out only within India.

    Key features of New India Asha Kiran Policy:

    Entry Age Minimum age- 18 years Maximum age - 65 years. The policy also daughters to be included belonging to the age group of 3 to 25 years if they are financially dependent on you/parents.
    Basis It is a Family Floater plan.
    Renewability The policy can be renewed.
    Special Features The key features of the policy include:
    • Under this plan, you can get health insurance cover for you and your entire family.
    • The policy allows you to include maximum 4 members in a single policy.
    • The policy has a provision for including the second newborn baby girl.
    • It provides accident cover for proposer and the spouse.
    Medical test Yes. Members joining the policy after the age of 50 needs to go through Pre-acceptance test.
    Premium Premiums vary based on factors such as sum assured, age of the policyholder and zone. The premiums charged on eldest members of the family are different from the premium charged on daughters.
    Sum assured The policy offers the following sum assured:
    • Rs. 2 lakhs,
    • Rs.3 lakhs,
    • Rs.5 lakhs,
    • Rs. 8 Lakhs.
    You can choose from the above-mentioned sum assureds based on your requirements.
    Policy coverage The policy covers the following expenses: Hospitalization expenses
    • It includes expenses incurred in room rent, nursing, RMO Charges, IV Fluids, Blood Transfusion, Injection administration charges. The policy offers up to 1% of sum assured per day.
    • It also includes ICU charges and provides 2% of the sum assured per day.
    • The policy includes the payments incurred in paying for the Surgeons, Consultants, Anaesthetist, Medical Practitioner, Oxygen, Operation Theatre Charges, Diagnostic Materials and X-ray, Dialysis, Chemotherapy charges, Artificial Limbs etc.
    • All hospitalization expenses incurred in organ transplantation, except for the cost of organ.
    • For cataract claims, the policy offers 10% of the sum assured or Rs. 5000 – whichever is lower.
    Personal accident expenses
    • Accidental death of spouse and proposer.
    • Permanent or total disability caused to spouse and proposer.
    • Loss of one limb and one or both limbs and eyes caused to spouse and proposer.
    • Loss of one eyesight and one limb by spouse and proposer.
    Day care treatments: The policy also provides cover for certain day care treatments including
    • Adenoidectomy
    • Appendectomy
    • Anti-Rabies Vaccination
    • Endoscopic Retrograde Cholangiopancreatography
    • Extracorporeal Shock Wave Lithotripsy
    • Excision of Cyst/granuloma/lump
    • Coronary angiography
    • Coronary angioplasty
    • Dilatation and Curettage
    Eye surgeries: It includes select eye surgery related conditions including:
    • Excision involving one-fourth or more of lid margin, full-thickness
    • Excision of lacrimal sac and passage
    • Corrective Surgery for entropion/ectropion
    • Dacryocystorhinostomy
    • Excision of major lesion of eyelid.
    • Manipulation of lacrimal passage
    • Operations for pterygium and many more conditions.
    Benefits The policy provides the following benefits: Hospital cash benefit: The policy offers pays for you cost incurred in hospitalization on daily basis at the rate of 0.1% of the sum assured, if the period of hospitalization is more than 24 hours. Critical care benefits :The policy pays 10% of the basic sum assured as critical care benefit,if the insured person is diagnosed with an of the following critical illnesses:
    • Cancer
    • Heart attack (First of specified severity)
    • Open chest CABG
    • Heart replacement/repair of Heart valves
    • Coma of stated severity.
    • Organ transplant/ bone marrow transplant.
    • Paralysis of limbs (Permanent)
    • Motor neuron disease
    • Multiple sclerosis
    • Kidney failure needing regular dialysis.
    • Stroke leading to permanent symptoms.
    Tax benefits: Get tax benefits on the premium s paid for your New India Asha Kiran Policy under Section 80D of the Indian Income Tax Act, 1961.
    Free-look period 15 days
    Grace period 30 days
    Exclusions The policy does not provide cover for any pre-existing disease until the policy complete 48 months. It also does not include the following conditions - cataract and other age related eye ailments, Benign prostate hypertrophy, treatment for Menorrhagia and prolapsed Uterus, Benign Throat, Ear and Nose disorders, Hernia of all types, Stones in Urinary system, Fistula, Piles and Fissures in Anus, Hypertension, Diabetes Mellitus, Joint Replacement, age-related Osteoarthritis & Osteoporosis, Vaccination and Inoculation, Dental treatment, Naturopathy Treatment, Domiciliary Hospitalization etc.

    Find cashless network hospitals nearby: New India Assurance Network Hospitals

    Other Health Insurance Plans from New India Assurance:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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