Asha Kiran Mediclaim Policy
  • Girl Child policy
  • Discount on premiums
  • Critical illness benefits
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New India Asha Kiran Mediclaim Policy

New India Asha Kiran Policy is a unique policy designed for parents with only girl child. A Maximum of TWO dependent daughters can be covered under New India Asha Kiran Policy. In case, a boy child is born or Daughter/s becomes independent after purchasing the New India Asha Kiran Policy the company shall offer an option to migrate to a suitable Health Insurance Policy. Under New India Asha Kiran Policy, the Sum Insured bands available are 2, 3, 5 & 8 Lakhs.

New India Assurance Asha Kiran Policy offers multiple benefits to secure the future of your children such as a 50% discount on premiums for girld children. Additionally, New India Assurance Asha Kiran Policy provides critical illness benefits, personal accident cover, Hospital Cash, and many such benefits.

New India Asha Kiran Mediclaim Plan Specifications

Child Entry Age

91 Days to 25 Years

Adult Entry Age

18 years to 65 years

Plan Type

Individual/Family Floater

Policy Term

1 Year

Initial Waiting Period

30 Days

Sum Insured

2 L |3 L | 5 L | 8 L

*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.

Read more specifications in the brochure.

Choose your New India Asha Kiran Mediclaim Plan

With comprehensive coverage options, New India Asha Kiran Policy lets you customize your health insurance plan as per your requirements:

In-patient & Out-patient coverage

Room Rent

Covered up to 1% of SI

ICU Charges

Covered up to 2% of SI

Pre-Hospitalization

Covered up to 30 Days

Post-Hospitalization

Covered up to 60 Days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered up to SI

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Covered up to 10% of SI

No Claim Bonus

Not Available

Automatic Restoration

Not Available

Daily Hospital Cash

Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered Up to 25% Of SI

IVF Treatment

Not Covered

Modern Treatment

Covered up to 50% of SI

Emergency Coverage

Ambulance

Covered up to 1% of SI

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Available

Vaccination

Available

Limitations

Co-payment

Applicable

Sub-limits

Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under New India Asha Kiran Mediclaim Plan?

Under New India Asha Kiran Mediclaim Plan, the room rent is covered up to 1% of the Sum Insured per day.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under New India Asha Kiran Mediclaim Plan, ICU charges are covered up to 2% of the Sum Insured per day.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under New India Asha Kiran Mediclaim Plan?

This plan covers medical expenses incurred during pre-hospitalization up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under New India Asha Kiran Mediclaim Plan?

This plan covers medical expenses incurred during post-hospitalization covers up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under New India Asha Kiran Mediclaim Plan, domiciliary hospitalization is not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under New India Asha Kiran Mediclaim Plan?

New India Asha Kiran Mediclaim Plan covers the expenses of daycare treatment up to SI.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under New India Asha Kiran Mediclaim Plan?

New India Asha Kiran Mediclaim Plan does not cover OPD charges up to SI.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under New India Asha Kiran Mediclaim Plan?

COVID-19 treatment is not covered New India Asha Kiran Mediclaim Plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under New India Asha Kiran Mediclaim Plan?

New India Asha Kiran Mediclaim Plan covers cataract treatment expenses up to 10% of the Sum Insured or Rs. 50000 whichever less, for each eye.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under New India Asha Kiran Mediclaim Plan?

The cumulative Bonus is not available under New India Asha Kiran Mediclaim Plan.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under New India Asha Kiran Mediclaim Plan automatic restoration is not available.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under New India Asha Kiran Mediclaim Plan?

The daily hospital cash is available under New India Asha Kiran Mediclaim Plan at the rate of 0.1% of the Sum Insured per day of Hospitalisation

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under New India Asha Kiran Mediclaim Plan, organ donor expenses are not covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under the New India Asha Kiran Mediclaim Plan Maternity expense is not covered.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under New India Asha Kiran Mediclaim Plan?

Under the New India Asha Kiran Mediclaim Plan, newborn baby cover is not available.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under New India Asha Kiran Mediclaim Plan?

Covered Under New India Asha Kiran Mediclaim Plan up to 25% of SI

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under New India Asha Kiran Mediclaim Plan?

Under New India Asha Kiran Mediclaim Plan IVF treatment is not covered.

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under New India Asha Kiran Mediclaim Plan modern treatments are covered up to a maximum of 50% of SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under New India Asha Kiran Mediclaim Plan?

Covered up to 1% of SI under New India Asha Kiran Mediclaim Plan.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under New India Asha Kiran Mediclaim Plan?

Not Covered under New India Asha Kiran Mediclaim Plan

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under New India Asha Kiran Mediclaim plan compassionate plan is not available.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under New India Asha Kiran Mediclaim plan Global coverage is not available.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under New India Asha Kiran Mediclaim plan e-consultation is not covered.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under the New India Asha Kiran Mediclaim Plan, a health checkup is not available.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under New India Asha Kiran Mediclaim Plan?

Under the New India Asha Kiran Mediclaim Plan second medical opinion is not available.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under New India Asha Kiran Mediclaim Plan?

The plan covers anti-rabies vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under National Mediclaim Policy?

Applicable on the admissible claim amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under National Mediclaim Policy?

Applicable under the plan

New India Asha Kiran Mediclaim Plan Exclusions

Permanent Exclusions

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

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 48 Months

Sample Premium Illustration of New India Mediclaim Policy

To understand how much premium an amount 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

Explore New India Health Insurance

Know more about New India Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Buying Process

Click to know buying process of New India Health Insurance.

Contact Us

To know more about Contact New India Health Insurance.

Explore other New India Health Plans

New India Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

New India Assurance Arogya Sanjeevani Policy

The plan covers you and your family against new age treatments, pre, and post-hospitalization, and hospital room rent charges.

Unique Features

  • Up to 10 Lakh SI
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New India Jan Arogya Bima Policy

This policy is designed to provide cheap medical insurance to poorer sections of society with a sum insured per person of Rs. 5000.

Unique Features

  • Service Tax is not applicable
  • Avail cover for dependents
  • Psychological disorders covered

New India Janata Mediclaim Policy

This plan protects all family members with broad health insurance coverage. It covers self, spouse, and a maximum of 2 dependent children.

Unique Features

  • AYUSH treatment covered
  • ICU expenses covered
  • Ambulance charges covered

New India Flexi Floater Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expense covered
  • Room rent covered
  • Medical test expenses covered

New India Flexi Group Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • Avail AYUSH treatment
  • Avail Cataract treatment

New India Floater Mediclaim Policy

The policy is available from Rs. 2 to 15 Lakhs. All the entitled members including children can avail of single Sum Insured towards Hospitalization Expenses on a floater basis.

Unique Features

  • No claim bonus up to 50%
  • Avail New born baby cover
  • Criti-care benefit available

New India Mediclaim Policy

A family policy where the proposer can avail Sum Insured from Rs. 1,2, 3, 5, 8, 10, 12 and 15 Lakhs. Children can be covered under the policy from 3 months to 25 years.

Unique Features

  • Organ transplant covered
  • 139 day care procedures available
  • New born baby cover available

New India Premier Mediclaim Policy

The plan comes in 2 different variants offering a sum assured up to 1 Cr. The policyholder can cover his/her entire family under one policy.

Unique Features

  • Critical illness covered
  • AYUSH treatment covered
  • AYUSH treatment covered

New India Standard Group Janata Mediclaim

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • AYUSH treatment covered
  • Cataract treatment covered

New India Standard Group Mediclaim Policy(2007)

Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependant parents.

Unique Features

  • ICU charged covered
  • Artificial life maintainance covered
  • AYUSH treatment covered

New India Universal Health Insurance Scheme

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • Disability cover
  • Psychological treatment covered
  • Artificial life maintainance available

New India Young India Digi Health Policy

Plan coverage is available on an individual and family floater basis with a sum insured of up to 8L.

Unique Features

  • Modern Treatment Available
  • AYUSH treatment available
  • New born baby cover available

New India Yuva Bharat Health Policy

This plan offers the policyholder sum insured of up to 50L. New India Yuva Bharat Policy is available in base, gold, and platinum variants.

Unique Features

  • Air Ambulance available
  • Critical illness covered
  • Infertility treatment covered

New India Group Cancer Mediclaim

The plan is specifically designed for lower and middle-class families undergoing Cancer Treatment.

Unique Features

  • Up to 2 Lakh SI
  • Avail Cumulative Bonus
  • Cover dependent children

New India Corona Kavach Policy

This plan covers hospitalization expenses if the insured is diagnosed with COVID-19. It is available on an individual and floater basis with a maximum sum of INR 5 lakh.

Unique Features

  • Home care treatment covered
  • Avail special discounts
  • Ambulance charges covered

New India Group Mediclaim for workers

Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependent parents.

Unique Features

  • AYUSH Treatment available
  • Avail ICU expenses
  • Affordable premiums available

New India Asha Kiran Mediclaim Policy

A special policy designed for parents with girl children only. Two dependent daughters can be covered with Rs. 8 Lakh sum insured.

Unique Features

  • Avail 50% discount
  • Hospital Cash available
  • Avail AYUSH treatment

New India Cancer Guard Policy

This plan is designed to aid financially in treating cancer. The policy offers cover for conventional and advanced cancer treatments.

Unique Features

  • SI up to 50 Lakh
  • Avail cancer care benefit
  • 58 Day care procedures covered

New India Sixty Plus Mediclaim Policy

A plan designed for individuals between 60-80 years of age and offers 5% discount for single women senior citizen's. Gives sum insured up to 5 Lakhs.

Unique Features

  • Avail discounts
  • Medical check up reimbursement
  • Avail Ambulance charges

New India Top up Mediclaim Policy

New India TOP-UP Mediclaim policy covers hospitalization expenses once your policy crosses it’s threshold limit. It can cover up to 6 family members.

Unique Features

  • SI up to 22L available
  • Avail Cataract treatment
  • AYUSH expenses covered

New India Senior Citizen Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • AYUSH treatment available
  • Mental illness expenses covered

New India Tertiary Care Insurance

An individual plan that is specifically designed to cover the treatment of 9 major illnesses.

Unique Features

  • Domiciliary treatment available
  • Ambulance expense covered
  • Avail No claim bonus

Health Insurance Articles

New India Medicare Policy: FAQ's

1. What is the eligibility age to buy the New India Asha Kiran policy?

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.

2. Is there any co-payment clause under New India Asha Kiran Policy?

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%.

3. What are the applicable waiting periods under New India Asha Kiran Policy?

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.

4. What are the critical illnesses covered under New India Asha Kiran Policy?

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.

5. Can I include something mid-term of the policy?

The inclusion of a newborn girl or second girl child is allowed.

6. Do I have to take a pre-medical test before purchasing New India Asha Kiran Policy?

Yes, a pre-medical check-up is required for all members entering after the age of 50 and those with adverse medical conditions.

7. New India Asha Kiran Mediclaim Policy offers protection against accidents?

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.

8. What critical illnesses does New India assurance Asha Kiran policy cover?

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
  • Kidney failure requiring regular dialysis
  • Stroke resulting in permanent symptoms
  • Major organ/bone marrow transplant
  • Permanent paralysis of limbs
  • Motor neuron disease with permanent symptoms
  • Multiple sclerosis with persisting symptoms

9. If I suffer any injury or contracted an illness outside India, can I avail of insurance coverage for the treatment?

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.

10. Are alternative treatments covered under New India Assurance Kiran Policy?

The policy offers coverage for expenses incurred on allopathy, Ayurveda, and unanipathy treatments taken by the insured.

Read Reviews & Ratings

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Nishant

Lukhnow

December 9, 2022

Omg when i was buying the policies I was o skeptical. I contacted policyx and they solved my confusions and even helped in my documentations.. They are the best .

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Ram Kapoor

Jaipur

September 8, 2021

I would definitely recommend New India Health insurance to everyone. Great customer support team, very helpful.

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Lovlina chaurasiya

Allahabad

September 8, 2021

One of the best health insurance company. Impressed with the service and the support. Keep up the good work guys.

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Nikita Dua

Jaipur

September 8, 2021

The company is offering very good plans at affordable prices, and the claim settlement process is very hassle free and quick.

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Bharti sharma

Lukhnow

September 8, 2021

I really like the customer support department of the company very much, the staff is very polite and very helpful

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Manish Singhal

Rajkot

September 1, 2021

Best plans with good service, committed towards their customer, great customer support team. thanks New India

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Akash Sharma

Ahmedabad

September 1, 2021

Plans bahut ache hai is company ke.. bahut achi service hai aur apke customers ke claims bhi jaldi settle karti hai.

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Karishma Sehgal

Hyderabad

August 31, 2021

Bought health policy from New India Health for the first time and I am very impressed by their services and I personally suggest to take the policy from New Health Assurance

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