Asha Kiran Policy vs Bajaj Criti Care Illness Plan Health Insurance Plan 2026 | PolicyX

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The New India Asha Kiran Policy by New India Health Insurance is a unique policy designed for parents with only a girl child. The New India Asha Kiran Policy covers a maximum of two dependent daughters. If a boy child is born or a daughter 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 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. Additionally, the New India Assurance Asha Kiran Policy provides critical illness benefits, personal accident cover, Hospital Cash, and many such benefits.

PLAN DETAILS

Asha Kiran Policy

Bajaj Criti Care Illness Plan

Product Type Individual and Family Health Insurance Individual
Key Features
(Key features of the plan)
  • Girl Child policy
  • Discount on premiums
  • Critical illness benefits
  • 43 CI Cover
  • All-Stage Cancer Cover
  • Physiotherapy Care
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered Not Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered Not Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not Covered Not Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered Not Covered
Post-hospitalization
(Expenses after discharge from the hospital)
Covered Not Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered Not Covered
Hospital_network
(Number of Hospital Network in city)
3000 18400
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Not Covered Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Covered Not Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered Not Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Covered Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Covered Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not Covered Not Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Covered Not Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Covered Not Covered
Plan Entry Age 18 to 65 Years 18 to 65 Years
Plan Premium Entry Age and S/A 4,347 3284
Plan Waiting Period 30 80/120 Days
Plan Coverage - Cancer treatment (early & advanced stages), Heart-related illnesses (heart attack, CABG), Kidney failure & transplant, Stroke and major neurological disorders, Lump sum payout on diagnosis
Plan Sample Premium 4,347 1280
Plan Brochure Brochure URL Brochure URL
Policy Term 1 Year 1/ 2/ 3 Years
ICU Charges Covered Not Covered
Covid-19 Treatment Covered Covered
Cataract Covered Covered
Automatic Restoration Not Covered Not Covered
Ayush Treatment Covered Not Covered
Modern Treatment Covered Not Covered
E Consultation Not Covered Not Covered
Air Ambulance Not Covered Not Covered
Global Coverage Not Covered Not Covered
Claim Ratio 90.73 99.23
Solvency Ratio 1.91 3.25
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