New India Asha Kiran Policy

Basic Attributes

Applicable to Whom- New India Asha Kiran Policy is designed specifically for parents who only have daughters. It is a financial support system against unwanted diseases and health conditions for family or an individual who are blessed only with girl child. In case of family floater, the members included under this plan are- Insured, insured’s spouse and maximum 2 dependable daughters (3 months to 25 years). The eligible age for this policy is 18 to 65 years.

Sum Assured and Premium- The amount that can be assured under this policy is 2 lac to 8 lac (2 lac, 3 lac, 5 lac and 8 lac). As for premium, it depends on the number of members covered under the policy and age of each member.

Treatment with No Worry- The expenses incurred during treatment from hospital room to nurse care, expense of 2% of sum assured for ICU etc are covered under this policy. Beside these, the pre and post hospitalization bills for 30 days prior and 60 days after hospitalization are also paid under this. Moreover, the insured gets cash benefits, hence, 0.1% of sum assured is given to spend on day to day expenses during hospitalization period and in total the cash benefit cannot exceed 1% of sum assured.

Special Privileges for Accidents- The consequences of accidents are also borne under this policy. There are few special cases where the proposer gets the money for treatment-

Death due to accident- 100% of sum assured if only the insured dies and 200% of sum assured if insured and his spouse both dies.

Disability for Life- 100% of sum assured if only insured becomes disabled and 200% of sum assured if insured and his spouse both becomes disabled. Similarly, in case of loss of one or both limbs and eyes, the money paid is the same.

One eye sight loss- 50% of sum assured if only proposer loses the eyesight and 100% if insurer and spouse both lose their one eyesight.

Organ Transplantation Expenses- The expenses that are endured during the organ transplantation are also covered under this plan. However, the cost of organ is not included.

Day Care Treatment- The expenses of health conditions that can be cured within 24 hours and do not command hospitalization for a day or more, are also payable under this plan. However, only listed day care procedures are covered. Some of these listed health conditions are Appendectomy, Nephrotomy, Lithotripsy, etc.

Critically Ill, Easily Cured- Thankfully, under this plan, compensation of critical illness is also provided. If the person is hospitalized for more than 24 hours for the critical illness mentioned below, he shall receive 10% of sum assured to treat it well. The list of health conditions covered-