New India Asha Kiran Health Insurance
Claim Settlement Ratio | 92.68% |
Network Hospitals | 7,500 |
PED Coverage Starting From | 4 years |
Pre-existing Disease Waiting Period | 4 years |
Starting Premium | 560 |
Starting Premium for Rs. 5 lakhs SI | Rs. 560/month |
About New India Asha Kiran Health Insurance
Asha Kiran Policy is a unique mediacal insurance policy that covers parents with only a girl child, a maximum of two dependent daughters. In case a baby boy is born, or daughter’s become independent, after buying the policy, then the company will offer an option to migrate to a suitable health insurance plan. The policy comes with sum insured options of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 lakh, and Rs. 8 Lakh. It is a family floater policy that offers a 50% discount on the premium for girl children. The policy can be purchased for 1 year, after which you will be required to renew it. Also, you will be required to undergo pre-policy medical check-up if you are aged above 50 years.
Asha Kiran policy offers you a wide range of coverage benefits that include lump sum amount on detection of any of the listed critical illnesses, congenital diseases, personal accident cover, daily hospital cash cover, treatments taken under AYUSH systems of medicines, organ donor expenses, pre-hospitalisation and post-hospitalisation expenses, etc. Other benefits that the policy offers you include an option to enhance sum insured at the time of renewal, no premium loading, and tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961. Kindly note that the policy comes with an initial waiting period of 30 days during which no claim will be admissible, except the ones arising due to accident.
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Key Inclusions and Exclusions of the Plan
What's Included
- Critical Care benefit of up to 10% of the sum insured
- Personal accident cover for up to 100% of sum insured
- Hospital cash up to 1% of the sum insured
- Cover for Ayurvedic/Homeopathic/Unani treatments for up to 25% of the sum insured
- Room rent and ICU expenses at 1% and 2% of sum insured per day
What's Not Included
- Infertility and in vitro fertilization
- Expenses related to pregnancy, childbirth, miscarriage, and abortion
- Expenses related to vaccination and inoculation are excluded
- Hospitalisation required due to war, strike, riot, and nuclear weapons
- Claims arising during initial 30 days of the policy purchase
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FAQs on Asha Kiran Policy Health Insurance Plan
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Is there any co-payment clause under Asha Kiran Policy?
Yes. In case you seek treatment at a hospital outside the zone that you have paid a premium for, then for every admissible claim, you will be required to pay a share of 20%.
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What are the waiting periods under Asha Kiran Policy?
Asha Kiran Policy comes with the following waiting periods:
- Initial waiting period of 30 days from the date of policy issuance
- Waiting period of 18 months/24 months for specific diseases or treatments such as cataract, stone in gallbladder, etc.
- Waiting period of 48 months for pre-existing diseases.
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What am I covered for under critical illness cover under this policy?
Critical illness benefit pays you a lump sum of 20% in case you are diagnosed with any of the 11 listed critical illnesses.
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What is personal accident cover under Asha Kiran Policy?
Personal accident cover in Asha Kiran Policy covers you in case of death and disability. The scope of coverage varies between 50% to 200%, as mentioned in the policy document.