New India Asha Kiran Policy

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      New India Asha Kiran Policy: An Overview

      The New India Asha Kiran Policy is designed for families who have only one girl child. The insurance includes hospitalization expenditure and personal accident cover to the spouse and Proposer.

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      New India Asha Kiran Policy

      Type

      For Girl Child

      Sum Insured

       

      Pre-policy Medical Test

      After 50 years

      Tenure

      1 year

      Pre-existing Illness

      After 48 months

      Coverage Offered

      The Sum Insured options under New India Assurance Asha Kiran Health Insurance are Rs 2 lakh, 3 lakh, 5 lakh, and 8 Lakh. They are two primary kinds of coverage: hospitalization expenses and accident cover for the Proposer and spouse. The details are as follows:

      Hospitalization Expenditure:

      This category covers the following expenses-

      • Room rent, nursing charges and boarding up to 1% of the Sum Insured
      • ICU up to 2% of the Sum Insured per day
      • Fees for surgeons, anesthetists, consultants, specialists and medical practitioners
      • For claims related to cataracts, the company’s liability is up to 10% of the Sum Insured or Rs 50,000 (whichever is less) per eye
      • All hospitalization expenditure (including the cost of the organ) incurred for the donor concerning an organ transplant
      • Charges related to blood, oxygen, operation theatre, surgical appliances, diagnostic materials, X-ray, dialysis, chemotherapy, radiotherapy, cost of a prosthetic device implanted during surgery, artificial limbs, X-Rays and medicines

      Personal Accident Cover:

      This category covers the following expenses-

      • The accidental death of Proposer and spouse: 200% of the Sum Insured
      • The accidental death of Proposer or spouse: 100% of the Sum Insured
      • Perpetual total impairment of Proposer and spouse: 200% of the Sum Insured
      • Perpetual total impairment of Proposer or spouse: 100% of the Sum Insured
      • Damage of one limb and one eye or damage of both eyes and/or loss of both limbs of Proposer and spouse: 200% of the Sum Insured
      • Damage of one limb and one eye or damage of both eyes and/or loss of both limbs of Proposer or spouse: 100% of the Sum Insured
      • Damage of one limb/sight in one eye of Proposer and spouse: 100% of the Sum Insured
      • Damage of one limb/sight in one eye of Proposer or spouse: 50% of the Sum Insured

      Inclusions of this Plan

      Alongside the extensive coverage facilities provided by New India Assurance Asha Kiran Health Insurance, the plan provides benefits that will help families mitigate the financial burden that accompanies a medical crisis. The benefits are as follows:

      Hospital Cash Benefit: New India Assurance Asha Kiran Policy provides for the payment of hospital cash at 0.1% of the Sum Insured per day of the hospitalization that exceeds twenty-four consecutive hours.

      Critical Care Benefit: If in the course of the New India Assurance Asha Kiran Health Insurance policy period, the company offers flat 10% of the Sum Insured as an additional benefit if the insured has any of the critical diseases, like, Cancer, Open chest XABG, Open heart surgery, Permanent stroke or coma, permanent kidney failure, bone marrow or major organ transplant, etc.

      Exclusions of this Plan

      New India Assurance Asha Kiran Policy does not cover the following heads of medical expenditure:

      • Any pre-existing condition/disease before 48 months
      • Any illness contracted by the insured during the first 30 days of the start date of the policy
      • Specifies illness/disease before the 24-months wait period, like: cataracts, hernia, piles, hydrocele, gall bladder stones, varicose veins, Fibromyoma, Myoma, etc., as mentioned in the policy document

      *Kindly refer to the official policy document for the complete list of exclusions.

      Features and Benefits of the New India Assurance Health Insurance

      This particular New Indian Assurance Health Insurance provides the insured and his loved ones with several additional benefits:

      • The plan covers a comprehensive list of day-care treatments (treatments done within24-hours).
      • Premium Payments are entitled to a deduction from taxable income following 80D of the Income Tax Act.
      • The insurer covers ambulance charges up to 1% of the Sum Insured or actual, whichever is the lower amount.
      • In the case of Ayurvedic/Homeopathic/Unani treatment, the company takes liability for 25% of the Sum Insured, provided the treatment is being carried out in recognized hospitals and institutions.
      • The policy assures cashless hospitalization, ensuring hassle-free discharge.

      Eligibility Criteria

      The minimum eligibility criteria to buy this plan are as follows:

      Type

      Single Sum Insured (Floater)

      Maximum Entry Age

      65 years

      Note: The upper limit does not apply to financially dependent daughters and mentally challenged daughters

      Minimum Entry Age

      3 months

      Number of people covered

      Proposer, Spouse and daughters (maximum two)

      Residential Status

      Indian Residents and citizens

      Cancellation of the Policy

      The insured can cancel the policy subject to the following terms:

      • The refund will not be proportionate to the unexpired term of the policy.
      • The refund will be made if no claim has been made or paid under the policy.
      • The refund will be according to the short period table stated in the policy wordings.

      FAQS

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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