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New India Asha Kiran Policy

Objective

The policy is designed to cover unforeseen hospitalisation expenses along with accidental death and disability.


Suited for

New India Asha Kiran is a Policy designed to cover Hospitalization expenses of the family and Personal Accident for Parents.This policy is designed to the parents with ONLY girl children. Along with the Proposer and Proposer's spouse, Maximum of TWO girl children can be covered in this policy.


What does it do?

Like any other health insurance policy it covers unforeseen hospitalisation expenses on a floater basis.


Pros

Covers accidental death and disability.

Covers Ayurvedic/Homeoapathic/Unani treatment.

Premium paid under this policy is eligible for tax benefit under Section 80D.


Cons

Covers only dependent daughter(s). It does not cover dependent son.

Does not cover Domiciliary Hospitalisation.

Eligibility
Entry Age (years) 
Minimum18; 3 months for dependent daugters
Maximum65
Maximum Policy Renewal Age (years)Life long renewal
Coverage TypeFloater
Sum Insured (Rs) 
Maximum8 lakh
Minimum2 lakh
Policy Term (years)1
Pre Policy Medical Check UpRequired if the office in-charge feels the need or if the age of the person is above 50 years.
Free look Period15 days
Grace Period for Policy Renewal30 days
Customer Service 
AddressThe New India Assurance Co. Ltd Jeevan Bharti Building, Corporate Office: 87, M.G Road, Fort, Mumbai 400001; Regional Office: 124 Connaught Circus, New Delhi-110001
Mail to[email protected]
Call to1800 209 1415
Network HospitalsHttp://newindia.co.in/listofhospitals.aspx
Additions to the Plan
Scope Of Cover
Cashless FacilityAvailable at network hospitals
Reimbursement FacilityAvailable if treatment taken at any non empanelled hospital
Pre and post hospitalisationCovered
Inpatient HospitalisationCovered
Room rent/ ICU expensesRoom rent and boarding expenses capped at 1% of the Sum Insured per day.ICU and ICCU expenses capped at capped at 2% of the Sum Insured per day.
Surgeon, Anesthetist, Medical Practitioner, Consultant's Specialist feesCovered
Anesthesia, blood, oxygen, OT charges, surgical appliances, medicines, etc.Covered
Hospital Cash0.1% of the sum insured per day restricted to 1% of the Sum Insured for any one illness
Day Care ProceduresCovered
Ayurvedic/Homeopathic/Unani treatmentCovered up to 25% of the Sum Insured
Emergency ambulanceCovered up to 1% of the Sum Insured
Expenses of donor for organ transplantCovered
Accidental death and disabilityCovered
Exclusions and Waiting Period
Pre-existing Diseases/ IllnessesCovered after a period of 48 months
No claim period30 days commencing from inception of policy except for accidental injuries
Waiting Period24 months in the case of all internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps, Benign ear, nose, throat disorders, Benign prostate hypertrophy, Cataract and age related eye ailments, Diabetes Mellitus, Gastric/ Duodenal Ulcer, Gout and Rheumatism, Hernia of all types, Hydrocele, Hypertension, Non Infective Arthritis, Piles, Fissures and Fistula in anus, Pilonidal sinus, Sinusitis and related disorders, Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident, Skin Disorders, Stone in Gall Bladder and Bile duct, excluding malignancy, Stones in Urinary system, Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus, Varicose Veins and Varicose Ulcers.48 months in case the above illnesses arise from a pre-existing condition or joint replacement due to degenerative condition, age-related osteoarthritis and osteoporosis.
General ExclusionsSelf inflicted bodily injury, Domiciliary Hospitalisation, Dental treatment, Cost of spectacles, braces, contact lenses, Naturopathy treatment, engagement in any illegal or criminal activities. engagement in adventurous acts such as parachuting, bunjee jumping.
Annual Premium (excluding taxes)
For primary member
Sum InsuredZone0-2021-3030-3536-4041-4546-5050-5555-6060-65
2,00,000I18602530301036904790585081701000016860
3,00,000I278036704140505065608010116401422024040
5,00,000I4270580065307990928011340170602086035420
8,00,000I568077108690106301235015080226902818047110
2,00,000II1690230027403350435053207430909015330
3,00,000II253033403760459059607280105801293021850
5,00,000II3880527059407260844010310155101896032200
8,00,000II51607010790096601123013710206302562042830
2,00,000III1520207024703020392047906690818013800
3,00,000III22803010338041305360655095201164019670
5,00,000III349047405350653076009280139601706028980
8,00,000III46406310711087001011012340185702306038550
For additional member
Sum InsuredZone0-2021-3030-3536-4041-4546-5050-5555-6060-65
2,00,000I250360510620110013402840347010960
3,00,000I370520680840151018504030493015610
5,00,000I57083010901330213026105910723023010
8,00,000I760110014501770284034707850961030600
2,00,000II23033046056010001220258031509960
3,00,000II340470620760137016803660448014190
5,00,000II5207509901210194023705370657020920
8,00,000II690100013201610258031507140874027820
2,00,000III2103004105009001100232028408960
3,00,000III310420560680123015103290403012770
5,00,000III4706808901090175021304830591018830
8,00,000III62090011901450232028406430787025040
Zone- I: Greater Mumbai (includes Mira-Bhayandar, Thane, Navi Mumbai, Kalyan-Dombivli, Ulhasnagar, Ambarnath, Badlapur) andstate of Gujarat
Zone-II: Delhi NCR (includes Faridabad, Gurgaon, Mewat, Rohtak, Sonepat, Rewari, Jhajjhar, Panipat and Palwal, Meerut, Ghaziabad, GautamBudha Nagar, Bulandshahr, and Baghpat, Alwar and NCT of Delhi),Bangalore, Chennai, Hyderabad and Secunderabad, Pune and Kolkata
Zone-III: Rest of India (other than those areas specified in Zone I and II)
Premium will increase by 2% for every year after the age of 65 years for both primary and additional member.

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