Asha Kiran Policy
Asha Kiran Policy
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New India Assurance Asha Kiran Policy

The New India Assurance company always puts great effort to bring the best insurance plans to you and your family. So, it has designed a special plan for parents who only have daughters. The plan is being served in the health insurance market by the name New Asha Kiran Policy. It is a family floater plan and provides comprehensive coverage. It includes hospitalization cover, critical illness care benefits, daycare treatment facilities, accidental cover, permanent & total disability cover, etc. For more details, check out the plan below.

New India Assurance Asha Kiran Policy: Eligibility

Adult Entry Age18 Years65 Years
Daughter's Entry Age3 Months25 Years
Sum Insured OptionsRs. 1 lakh
Rs. 2 lakhs
Rs. 3 lakhs
Rs. 5 lakhs
Rs. 8 lakhs
Number of Adults CoveredMaximum 2 (Proposer & proposer's spouse)
Number of Children CoveredMaximum 2 daughters


  • A minimum of two members with at least one daughter is required to get coverage under the policy.
  • The policy can not be issued to a single adult. Both the parents are to be included in the policy along with a minimum of one girl child.
  • In case of inclusion of a second newborn baby girl in the middle of the policy, the proposer needs to pay the additional/ revised premium.
  • The daughters covered under the policy should be financially dependent on the parents and parent (in case of demise of mother or father)/parents should be covered under the Asha Kiran Policy.
  • There is no upper age limit applicable to unmarried daughters and mentally challenged daughters.
  • The policyholders can be continued beyond 65 years of age subject to the condition that the policy has been in force without any break.

New India Assurance Asha Kiran Policy - Features & Benefits

Hospital Cash Benefits:

In the case of hospitalization, the policyholder has a relief of daily cash under Asha Kiran Policy. 0.1% of the sum insured is provided to the policyholder as the daily cash.

Critical Illness Care Benefit:

The insured gets cover for 11 critical illnesses under the New India Asha Kiran Plan. The plan provides flat 10% of the sum insured for the critical illness treatment expenses cover.

Pre-Insurance Medical Screening:

All the proposers with age 50 years and above are subject to undergo pre-insurance medical screening. The New India Assurance Company reimburses 50% of the medical screening expenses in case of acceptance of the policy.

Pre-existing Disease Waiting Period:

The insured can get his/her pre-existing diseases (like diabetes, hypertension etc) covered under the plan after completion of the waiting period. The pre-existing disease waiting period is for 4 years.

Initial Waiting Period:

There is an initial waiting period of 30 days under the plan.

Policy Renewability:

The Asha Kiran Policy can be renewed by paying the renewal premium before the expiry of the policy.

Grace Period:

A grace period of 30 days is provided under the plan. The insured can get the policy renewed within the grace period by paying the renewal premium.

Free Look Period:

A free look period of 15 days is provided under the plan.

Tax Benefits:

Tax benefits are provided to the policyholder under Asha Kiran Policy as per section 80D of the Income Tax Act, 1961. All the premiums paid under the policy are tax exempted.

Waiting Period For Congenital Diseases Treatment:

Congenital diseases treatment expense gets coverage if the insured member has completed a waiting period of two years without any break.

New India Asha Kiran Policy - Coverage

Asha Kiran Plan has been designed to protect the proposer and his/her family against unforeseen hospitalization expenses and accidental expenses. Moreover, here are mentioned the list of coverages provided under the health insurance plan:

Pre & Post-Hospitalization Cover: The plan provides coverage for 30 days and 60 days respectively for pre & post-hospitalization expenses cover.

Organ Donor Cover: The plan provides cover for the donor's treatment and proposer's treatment expenses. The cost of the organ is not included in the cover.

Accidental Death Cover: In the case of accidental death of the proposer, the nominee of the policy gets accidental death cover. The compensation provided is as follows:

  • 100% of the sum insured in the case of accidental death of the proposer or the spouse.
  • 200% of the sum insured in the case of accidental death of the proposer and the spouse.

Cover For Loss Of An Organ: Here is a table mentioning all the coverage provided in case of loss of limb during an accident:

Loss of one limb and one eye or loss of both eyes and/ or loss of both the limbsProposer or spouse100% of the sum insured
Proposer and spouse200% of the sum insured
Loss of one limb/ sight in one eyeProposer or spouse50% of the sum insured
Proposer and spouse100% of the sum insured

Daycare Procedures: There are 74 daycare procedures available under the plan. A few of the daycare procedures are:

  • Adenoidectomy
  • Appendectomy
  • Anti-Rabies vaccination


The sub-limits applied under the plan are as follows:

CriteriaCompensation Sub-limits
Ambulance CoverUp to 1% of the SI
AYUSH CoverUp to 25% of SI
Room RentUp to 1% of SI
ICU Expense CoverUp to 2% of the SI
Cataract Treatment10% of the SI, or
Rs. 50,000 (whichever is less for each eye.)

Policy Exclusions

  • Any self-inflicted injury.
  • Sterility treatment.
  • Venereal disease treatment.
  • Any treatment related to maternity, traceable pregnancy & delivery including caesarean section.
  • Cases of drug abuse and intoxicating substance abuse.
  • Suicide and attempt to suicide.
  • Inoculation or vaccination expenses cover.
  • Any type of dental treatment.
  • Expenses of tonics and vitamins unless prescribed by the doctor under hospitalization for more than 24 continuous hours.

New India Asha Kiran Policy: FAQs

Yes, retinal surgery is covered under daycare procedures as the treatment takes less than 24 hours.

The New India Assurance Asha Kiran Policy comes with a policy term of 1 year.

Yes, this will affect the policy premiums. All that you need to do is contact the New India Assurance Company and inform them about all your medical conditions. Any failure to this can create a problem at the time of claiming for any treatment.

No, there is no age limitation to get the Asha Kiran policy renewed. The policy can be renewed as long as the renewal premiums are paid on time.

No claims can be made within the first 30 days of buying the policy. After 30 days it depends upon the type of illness the insured has, as few of the coverage is provided after completion of the waiting period. You can contact the health insurance company and get proper guidance.

Last updated on 18-12-2020