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New India Asha Kiran Policy

Eligibility  
Entry Age (years)  
Minimum 18; 3 months for dependent daugters
Maximum 65
Maximum Policy Renewal Age (years) Life long renewal
Coverage Type Floater
Sum Insured (Rs)  
Maximum 8 lakh
Minimum 2 lakh
Policy Term (years) 1
Pre Policy Medical Check Up Required if the office in-charge feels the need or if the age of the person is above 50 years.
Free look Period 15 days
Grace Period for Policy Renewal 30 days
Customer Service  
Address The 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 health.ho@newindia.co.in
Call to 1800 209 1415
Network Hospitals Http://newindia.co.in/listofhospitals.aspx
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.