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New India Asha Kiran Policy

The Asha Kiran Policy from New India Assurance is a one-of-a-kind medical insurance plan that provides coverage to parents of up to two dependent daughters who only have female children. After purchasing the policy, if a son is born or a daughter becomes independent, the company will provide a migration option to a more suitable health insurance plan.

Features like discounted rates for female children, ease of cashless settlement, personal accident cover, critical care cover, and reimbursement for emergency ambulances make it a power-packed deal. If you wish to know more about the plan, stay tuned to this post!

Eligibility Criteria

Minimum Entry Age	For Children: 91 Days, For Adults: 18 Years
Maximum Entry Age	For Children: 25 Years, For Adults: 65 Years
Sum Insured Options	Rs. 2/3/5/8 Lakhs
Policy Period	1 Year

Focal Points Of New India Asha Kiran Policy

The following expenses are covered by the policy:

Room Rent	Actually Incurred OR 1% Of SI Per Day (Whichever Is Less)
ICU/ICCU Expenses	Actually Incurred OR 2% Of SI Per Day (Whichever Is Less)
Associate Medical Expenses	Covered
Artificial Life Maintenance	Up To 10% Of SI
Cost Of Pharmacy & Consumables	Covered
Organ Donor Expenses	Covered
Cataract	10% Of SI OR Rs. 50,000, Whichever is Less
Mental Illnesses	Covered
Puberty OR Menopause Related Disorders	Covered
Age-Related Macular Degeneration	Covered After 48 Months Of Continuous Coverage
Behavioural & Neuro-Developmental Disorders	Covered
Genetic Diseases Or Disorders	Covered
Modern Treatment Or Disorders	Covered
Personal Accident Cover	Up To 100% Of SI
Daycare Treatment	Covered
Ambulance Cover	1% Of SI Or Actual (Whichever Is Less)
Ayurvedic Treatment	25% Of SI
Pre-Hospitalization Expenses	30 Days
Post-Hospitalization Expenses	60 Days
Congenital Internal Diseases	Covered After 24 Months Of Continuous Coverage
Critical Illnesses	11 Covered

Benefits Offered By New India Asha Kiran Policy

Discount For Girl Children: In case your child is a girl, you will get a 50% discount on the premium. This feature allows you to save a great deal of money, which you can use for other essential purposes.

Critical Care Benefit: If the insured member contracts one of the 11 listed critical illnesses during the policy’s term, the insurance provider will pay a lump payment equal to 10% of the insured amount as an additional benefit.

Personal Accident Benefit: You are protected against both death and disability with this benefit. The policy paper specifies the details, and the range of coverage ranges from 50% to 200%.

Continuity Benefit: Certain procedures are only reimbursed if the insured person has been consistently covered for a predetermined amount of time. For instance, coverage for cataracts begins only after 24 months of continuous coverage.

Tax Benefits: According to Section 80 D of the Income Tax Act of 1961, payments for health insurance made in any way other than cash are eligible for a deduction from taxable income. Please refer to the appropriate section of the Income Tax Act for more information.

New India Asha Kiran Policy Premium

If you have decided to buy New India’s Asha Kiran policy, it is very important for you to have an estimate of how much will the plan cost you. Therefore, we have calculated the premium amount of the plan on the basis of different criteria.

Name Of The Policyholder	Shalini Gupta	Mahesh Singh	Avantika Kumari	Madan Kumar
Age Of The Policyholder	20 Years	36 Years	50 Years	62 Years
Sum Insured	Rs. 2 Lakhs	Rs. 3 Lakhs	Rs. 5 Lakhs	Rs. 8 Lakhs
Premium Amount	Rs. 1,953	Rs. 5,303	Rs. 11,907	Rs. 49,466

Exclusions Under New India Asha Kiran Policy

The following are some of the expenses that are not covered by the policy:

Obesity and weight control treatment
Investigation and evaluation
Rest cure, rehabilitation, and respite care
Change of gender treatments
Cosmetic or plastic surgery
Hazardous or adventure sports
Breach of law
Treatment for alcoholism, drug, or any other intoxicating substances
Refractive error
Unproven treatments
Sterility and infertility
Maternity expenses
War and war-like occurrence or invasion
Dental treatment

Frequently Asked Questions

1. What members can I cover under the policy?

You can cover the following members:

Proposer
Proposer’s Spouse
Proposer’s Dependent Daughter (Maximum 2)

This policy requires a minimum of two members with at least one daughter. No single person may get this policy. A single policy may only cover up to four participants.

2. Is there any requirement for a pre-acceptance medical check-up?

All members joining for the first time beyond the age of 50 must take a pre-acceptance test. If a person has a negative medical history, they must also go through this pre-acceptance medical examination. The proposer will be responsible for paying for this examination. However, if the application is approved, the proposer will receive a 50% reimbursement for the cost of the examination.

3. Are there any waiting periods under the plan?

Yes. The plan comes with the following waiting periods:

Pre-Existing Disease: 48 Months
Waiting Period For Specific Diseases: 90 Days/24/48 Months
General Waiting Period: 30 Days

4. Can I be hospitalized anywhere in the world under the policy?

Treatment is solely covered under the policy in India. Even within India, if a lower zone premium is paid and a higher zone treatment is received, the liability for any claim shall be limited to the following:

a) 80% of the admissible claim amount
b) Sum Insured, whichever is smaller.

5. Is there a grace period for the policy's renewal?

Yes. The policy has 30 days grace period. The continuity benefits would not be impacted if your policy is renewed within 30 days of the preceding policy expiring. However, even if you renew your policy within 30 days of the expiration of your old one, any illnesses you get, injuries you suffer, or hospitalization that starts during the insurance gap is not covered. You should therefore be sure to renew the policy before it expires for your own benefit.

6. Can I increase the sum insured at the time of renewal?

Yes. Before paying the renewal premium, you may request an increase in the sum insured.

7. Can I cancel my New India Asha Kiran policy?

After receiving the insurance, you will have 15 days to evaluate the terms and conditions and return the policy if you don’t agree with them.

8. When the daughter/s becomes financially independent or a boy child is born after taking the policy, what will happen to the policy?

Once the daughter(s) become financially independent or a boy kid is born after purchasing the policy, the company shall provide an option to migrate to an appropriate health insurance policy.

9. What critical illnesses are covered under the policy?

The policy provides coverage for the following critical illnesses:

Cancer
First heart attack of specified severity
Open chest CABG
Open heart replacement or repair of heart valves
Coma of specified severity
Kidney failure requiring regular dialysis
Stroke resulting in permanent symptoms
Major organ/bone marrow transplant
Permanent paralysis of limbs
Motor neurone disease with permanent symptoms
Multiple sclerosis with persisting symptoms

10. Does the Asha Kiran Policy include a co-payment provision?

Yes. If you receive treatment in a hospital outside the zone for which you have paid a premium, you will be responsible for 20% of each valid claim.

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