New India Asha Kiran Policy: Plans, Benefits & Premiums | PolicyX
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New India Health Insurance New India Health Insurance ★ 4.4

Asha Kiran Mediclaim Policy

The New India Asha Kiran Policy is a health insurance plan specificall ...Read More

Up to 2 Crore
Sum insured
1800+
Pan India presence
90.73%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 3,000+ hospitals
📊 1.91 solvency ratio
✅ 90.73% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 29 Oct 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

The New India Asha Kiran Policy by New India Health Insurance is a unique policy designed for parents with only a girl child. This policy covers a maximum of two dependent daughters. If a boy child is born or a daughter becomes independent after purchasing the policy, the company shall offer an option to migrate to a suitable Health Insurance Policy. Under the New India Asha Kiran Policy, the Sum Insured bands available are ₹2 Lakh, ₹3 Lakh, ₹5 Lakh, and ₹8 Lakh.

The Asha Kiran Policy from New India Assurance Company offers multiple benefits to secure the future of your children, such as:

  • A 50% discount on premiums for girl children
  • Critical illness benefits
  • Personal accident cover
  • Hospital Cash
  • And many such benefits

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

New India Health Insurance

New India Health Insurance

This video talks about New India Health Insurance in detail. It talks about key features like Solvency Ratio, Claim Support Ratio which help an individual to analyze if the Insurer matches with his/ her requirements.

Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the New India Asha Kiran Mediclaim Plan are:

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital diseases
  • Infertility and in-vitro fertilization

Waiting Periods

Certain diseases and treatments are covered under this plan after a specific waiting period:

  • Listed ailments after 24 months
  • Pre-existing diseases after 36 months

Sample Premium Illustration of New India Mediclaim Policy

To understand how much premium one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.

Zone 1 - Primary Member Premiums

Sum Insured (in Rs.) 3 Lakhs 5 Lakhs 8 Lakhs
Premium Payable 4,347 6,857 9,125

Zone 2 - Primary Member Premiums

Sum Insured (in Rs.) 3 Lakhs 5 Lakhs 8 Lakhs
Premium Payable 3,948 6,237 8,295

Zone 1 - Additional Member Premiums

Sum Insured (in Rs.) 3 Lakhs 5 Lakhs 8 Lakhs
Premium Payable 714 1,145 1,523

Zone 2 - Additional Member Premiums

Sum Insured (in Rs.) 3 Lakhs 5 Lakhs 8 Lakhs
Premium Payable 651 1,040 1,386

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹5 L, ₹8 L, ₹10 L, ₹12 L, ₹15 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Hospital Cash Cover
  • Covers Daughters
  • Cataract Cover

Cons

  • Illegal activities
  • Obesity and cosmetic procedures
  • Alcoholism

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

New India Health Insurance Network Hospital List

New India Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, New India Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Frequently Asked Questions

The 10 most-asked questions about Asha Kiran Mediclaim Policy, answered.

The eligibility age to buy New India Asha Kirna Policy is between 18 years and 60 years. Individuals can also include children under the policy if they are aged at least 91 days.
Under New India Asha Kiran Policy, in case you seek treatment at a hospital outside the zone that you have paid a premium for, then for every admissible claim, you will be required to pay a share of 20%.
The waiting periods for various coverages under the New India Asha Kiran Policy are: Initial waiting period of 30 days from the date of policy issuance. Waiting period of 18 months/24 months for specific diseases or treatments such as cataracts, stones in the gallbladder, etc. Waiting period of 48 months for pre-existing diseases.
New India Asha Kiran Policy covers the policyholder for specific 11 critical illnesses and will pay flat 10% of the Sum Insured as an additional benefit.
The inclusion of a newborn girl or second girl child is allowed.
Yes, a pre-medical check-up is required for all members entering after the age of 50 and those with adverse medical conditions.
Yes, Personal Accident Cover is available up to 100% of the Sum Insured. Personal accident cover in the Asha Kiran Policy covers you in case of death and disability.
New India Assurance Kiran Policy covers 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
You can register a claim for an illness or injury you contracted anywhere around the world as long as you avail treatment within the boundaries of India.
The policy offers coverage for expenses incurred on allopathy, Ayurveda, and unanipathy treatments taken by the insured.

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