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.