New India Asha Kiran Mediclaim Policy

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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