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



Policy Periods Available

1 year

Pre-Policy Medical Check-up

Above the age of 50 years

Important Features

Day Care Treatments

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

    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

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

        Post Hospitalization

        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

          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

            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

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

                Value Adds


                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

                  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

                    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

                      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


                        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

                          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

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

                              Specific Illnesses

                              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

                                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.

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