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New India Assurance Asha Kiran Policy

New India Assurance Asha Kiran Policy is a Floater Health Insurance plan designed for a family having only girl children. Features such as discounted rates for girl children, ease of cashless settlement, critical care cover, Personal Accident insurance and reimbursement for emergency ambulance makes it a power-packed deal.

Highlights of New India Assurance - Asha Kiran Policy

50% discount on premium for the girl child with lifelong renewability
Additional lump sum amount on detection of 11 specified critical illnesses
Congenital diseases covered post waiting period
No premium loading for adverse claim experience
Option of enhancement of sum insured at renewal
Income Tax Benefit for the premium paid under Section 80D of Income Tax Act.

Family Floater

Entry Age

For children : 91 days

Adults :

Minimum : 18

Maximum : 60

Number of Members Covered

Maximum Members : 2

Maximum Adults : 2

Maximum Children : 2

Sum Insured

2 lakh - 8 lakhs

discount

Family

Policy Periods Available

1 year

Pre-Policy Medical Check-up

Above the age of 50 years

Important Features

Day Care Treatments

Definition

Day Care Treatments

Includes surgical processes conducted using local or general anaesthesia which requires less than 24 hours of hospitalization because of technological advancement in healthcare. Each company has a specific list of processes which are covered under this category.

Due to scientific progress, some procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim. This plan covers 74 such procedures.

Organ Donor Cover

Definition

Organ Donor Cover

Includes coverage for in-patient hospitalization expenses, offered to an organ donor for his/her treatment on harvesting an organ for the insured.

If you ever have to opt for organ donation, the hospitalization expenses (excluding the cost of the organ) on the procedure for the donor will be covered up to the sum insured.

Pre Hospitalization

Definition

Pre Hospitalization

Medical expenses incurred immediately before the insured individual is hospitalized are covered under this benefit. Usually, expenses up to 30 to 90 days before hospitalization are covered under the policy only after the in-patient hospitalization claim is accepted by the insurance company.

The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization.

Post Hospitalization

Definition

Post Hospitalization

Medical expenses incurred immediately after the hospitalization are covered under this benefit.The coverage under this benefit would be available only for approved in-patient hospitalization claim is accepted by the insurance company. Usually, expenses up to 30 to 180 days post discharge are covered under the policy.

The insurance company will pay you for the medical expenses related to your hospitalization 60 days post hospitalization.

Good to Have Benefits

Daily Hospitalization Allowance

Definition

Daily Hospitalization Allowance

Includes lump sum compensation offered in some plans on a daily basis after every 24 hours of hospitalization.The amount offered under this benefit could be used to cover expenses additional to hospitalization expenses.

Benefit of Hospital Cash at the rate of 0.1% of Sum Insured per day of Hospitalization for every admissible claim and for each member.

Non- Allopathic Treatment Expense Cover

Definition

Non- Allopathic Treatment Expense Cover

Includes coverage for expenses on treatment which do not use allopathic methods like Aurveda, Homeopathy, etc. The terms and conditions are different for different policies. This benefit is also refered to as Ayush benefit or Alternative treatment by some the insurers.

You can claim for any treatment sought through alternate medicine like Ayurveda, Unani or Homeopathy up to a maximum of 25% of the sum insured. This claim will be honored as per the policy terms only if you seek the stated treatment in a Government Hospital or any institute duly recognized by the Government or any other governing body.

Emergency Ambulance

Definition

Emergency Ambulance

Includes coverage for expenses on ambulance for hospitalization of the insured.

This plan provides ambulance cover for either 1% of the sum insured or actual, whichever is less.

Value Adds

PERSONAL ACCIDENT COVER

Definition

PERSONAL ACCIDENT COVER

Under this benefit, you are covered against death and disability. The scope of coverage varies from 50% to 200% and the policy document states the details.

Critical Illness Cover

Definition

Critical Illness Cover

During the policy term, if the insured member is diagnosed with any of the 11 specified critical illnesses, the insurance company will pay a lump sum of 10% of sum insured as an additional benefit.

FREE LOOK PERIOD

Definition

FREE LOOK PERIOD

For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within ten days from the date of receipt of the policy document.

Terms & Conditions

Room Rent / Room Category

Definition

Room Rent / Room Category

Hospitals have a fixed tariff or rate chart for all rooms. Mediclaim depends on the amount of room rent limit specified in the policy document. The amount varies depending on the type of room category chosen.

You can claim for the hospitalization basis the following limits:

Room rent/boarding/nursing expenses up to a maximum of 1% of sum insured per day
ICU charges up to 2% of sum insured per day
The overall limit should not exceed more than 25% of the sum insured

Room rent/boarding/nursing expenses up to a maximum of 1% of sum insured per day
ICU charges up to 2% of sum insured per day
The overall limit should not exceed more than 25% of the sum insured

Co-Payment

Definition

Co-Payment

The fixed amount the policyholder has to pay for covered services when they get the service. When both insured and insurer pay part of the medical expenses, it is called as cost sharing. This is applicable based on the policy you choose.

For every admissible claim, the insurer has to bear a co-payment of 20% if he/she seeks the treatment in any hospital that is outside the Zone he has paid the premium.

CATARACT CLAIMS

Definition

CATARACT CLAIMS

For cataract claims, your compensation will be restricted to 10% of sum insured or Rs.50,000 whichever less, for each eye.

Waiting Period

Cooling Off Period

Definition

Cooling Off Period

The period begins right after commencement of the policy within which you cannot claim for any illness except claims related to accident. This period is not applicable for subsequent renewals.

A 30 days cooling off period for all claims except any arising out of accidental injuries.

Specific Illnesses

Definition

Specific Illness

The ailments of specific severity listed in the policy document are included under this category.

The policy covers some specific diseases/treatments only after 18 or 24 months. These include Stone in Gall Bladder & Bile duct, Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.

Pre-Existing Illnesses

Definition

Pre-Existing Illnesses

The ailments that the insured was already diagnosed with before taking the policy.

You can claim for any pre-existing conditions after a waiting period of 48 months from the policy start date.

Permanent Exclusions

The Plan will not cover any liabilities towards the treatments of following conditions-

Whose signs or symptoms first occur within 30 days of the policy period
Attempted suicide
Use of alcohol or drug
AIDS
Pregnancy, childbirth, miscarriage, and abortion
Infertility and in vitro fertilization.
Vaccination & Inoculation
Hospitalization out of war, riot, strike and nuclear weapons

Note: The complete list of what is omitted from the scope of coverage forms a part of the policy wordings. Kindly refer the same for additional reference.

Review of New India Assurance - Asha Kiran Policy

New India's Asha Kiran Policy is intended for improving healthcare for girls. Those parents can buy this policy who have only daughters for children. While a 50% discount on the premium for the girl children may look tempting, a detailed cover towards the personal accident for parents is equally helpful. Other benefits like hospital cash, cover for critical illness and compensation for the alternative medicinal methods like Ayurveda, Unani and Homeopathy makes this plan a worthy choice for a family coverage. Room rent limits on the expenses are the only disappointing factor.

**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

New India Assurance Asha Kiran Policy

Highlights of New India Assurance - Asha Kiran Policy

Family Floater

Important Features

Day Care Treatments

Organ Donor Cover

Pre Hospitalization

Post Hospitalization

Good to Have Benefits

Daily Hospitalization Allowance

Non- Allopathic Treatment Expense Cover

Emergency Ambulance

Value Adds

PERSONAL ACCIDENT COVER

Critical Illness Cover

FREE LOOK PERIOD

Terms & Conditions

Room Rent / Room Category

Co-Payment

CATARACT CLAIMS

Waiting Period

Cooling Off Period

Specific Illness

Pre-Existing Illnesses

Permanent Exclusions

Review of New India Assurance - Asha Kiran Policy

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