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New India Asha Kiran Health Insurance

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New India Assurance Health Insurance
Asha Kiran Policy
Claim Settlement Ratio92.68%
Network Hospitals7,500
PED Coverage Starting From4 years
Pre-existing Disease Waiting Period4 years
Starting Premium 560
Starting Premium for Rs. 5 lakhs SIRs. 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

9390 New India Cashless Network Hospitals in India

Choose New India Assurance Critical Illness Plan

Claim Process at New India Assurance Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Asha Kiran Policy Health Insurance Plan

  • What is the minimum age required to be able to buy Asha Kiran Policy?

    People aged between 18 years and 60 years can buy Asha Kiran Policy. They can also include children under the policy if they are aged at least 91 days. 

  • 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%.

  • 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. 
  • 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. 

  • 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.  

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