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New India Asha Kiran insurance

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Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
* Name, Email Id & Mobile No. are required 
This policy is designed to the parents with only girl children. This insurance is available to persons between the age of 18 years and 65 years.

Key Features of Asha Kiran insurance

  • Room Rent: Covered upto 1% of Sum Insured daily limit.
  • Co-pay: Co-pay options of NIL / 20% based on Zonewise treatment availed.
  • Restoration Benefit: NIL Restoration benefit.
Daughter(s)from 3 months up to 25 years can be covered provided they are financially dependent on the parents and one or both parents are covered simultaneously. The upper age limit will not apply to mentally challenged daughter(s) and unmarried dependent daughter(s).
Minimum two members, with at least one daughter, are required in this policy. This policy cannot be given to a single person. Maximum four members can be covered in a single policy. Midterm inclusion is allowed only for new born 2nd baby girl child on payment of pro - rata additional premium. This Policy is designed to give You and Your family, protection against unforeseen Hospitalisation expenses and Accident cover to Proposer and Spouse.

New India Health Insurance Review

New India Assurance Health Insurance
New India Assurance Insurance sum insured
2 lacs − 100 lacs options available
Incurred Claims Ratio *
New India Insurance tenure options
1 year
Claims Settlement Ratio **
List of network hospitals
3,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + dependent (children + parent)
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Benefits of New India Asha Kiran insurance.

New India Floater Mediclaim is a Policy designed to cover Hospitalisation expenses.

Sl No Coverage Details Sum Insured
1. Sum Insured options available 2,00,000, 3,00,000, 5,00,000, 8,00,000
2. Room Rent, Boarding and Nursing expenses as provided by the Hospital Not exceeding 1.0 % of the Sum Insured per day
3. Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses Not exceeding 2.0 % of the Sum Insured per day.
4. Surgeon, Anaesthetist, Medical Practioner, Consultant and Specialist Fees + Nursing Fees
Anaesthetist, Blood, Oxygen, Operation Theatre Charges, surgical appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, relevant laboratory diagnostic tests, etc.& similar expenses.
5. Pre Hospitalisation expense – expenses incurred days prior to the date of Hospitalisation.
Post Hospitalisation – expenses incurred post the date of discharge
30 days

60 days
6. Cataract
(The said limit shall be applicable per event for all the Policies of Our Company including Group Policies. Even if two or more Policies of New India are invoked, sublimit of the Policy chosen by Insured shall prevail and our liability is restricted to stated sublimit.)
10% of Sum Insured subject to a maximum of Rs. 50,000
7. Critical Care Benefit for Ist time Diagnosis of Illness **** Up to 10% of the Sum Insured
8. Hospital cash
(This benefit will reduce the Sum Insured. This benefit is payable only if the Hospitalisation is for more than 24 hours. This benefit is applicable only if the Sum Insured of the Insured Person is more than or equal to three lakhs)
Paid at the rate of 0.1% per day maximum up to 1% of Sum Insured for any one Illness.
9. Ambulance service will be Payment under this benefit will reduce the Sum Insured. Ambulance charges will be paid once for Any One Illness for each Insured. Payable subject to cap 1% of Sum Insured.
10. Hospitalisation Expenses relating to Organ Transplant Covered
11. AYUSH Treatment Up to 25% of Sum Insured
12. Congenital Internal Diseases Covered up to the Sum Insured provided the Insured has Continuous Coverage of twenty four months
13. Congenital External Diseases Covered up to 10% of Sum Insured provided the Insured has Continuous Coverage of forty eight months.
Eligibility Criteria
1. Entry Age / Maximum Age All the persons proposed for this Insurance should be between the age of 18 years and 65 years.

Children between the age of 3 months and 18 years are covered provided one or both parents are covered concurrently.

Children between 18 years to 25 years can be covered provided they are financially dependent on the parents and one or both parents are covered simultaneously.
2. Family Members Eligible
  • Proposer
  • Proposer's Spouse
  • Proposer's Daughter's
    (Maximum Two)

Personal Accident Coverage only for Parents

Sl No Coverage Compensation
1. Accidental Death of Proposer or Spouse 100% of Sum Insured
Proposer or Spouse 200% of Sum Insured
2. Permanent Total Disablement of Proposer or Spouse 100% of Sum Insured
Proposer or Spouse 200% of Sum Insured
3. Loss of one limb and one eye or loss of both eyes and/or loss of both limbs of Proposer or Spouse 100% of Sum Insured
Proposer or Spouse 200% of Sum Insured
4. Loss of one limb / sight in one eye of Proposer or Spouse 50% of Sum Insured
Proposer or Spouse 100% of Sum Insured

New India Health Insurance FAQ’s

If treatment involves Organ Transplant to Insured Person, then We will also pay Hospitalisation Expenses (excluding cost of organ) incurred on the donor, provided Our liability towards expenses incurred on the donor and the insured recipient shall not exceed the aggregate of the Sum Insured and Cumulative Bonus Buffer, if any, of the Insured Person receiving the organ.

A New Born Baby is covered for any Illness or Injury from the date of birth till the expiry of this Policy, within the terms of this Policy. Any expense incurred towards post natal care, pre–term or pre–mature care or any such expense incurred in connection with delivery of such New Born Baby would not be covered. Congenital External Anomaly of the New Born Baby is also not covered under the policy. No coverage for the New Born Baby would be available during subsequent renewals unless the child is declared for insurance and covered as an Insured Person.

Yes, a claim, which is not covered under the Policy conditions, can be rejected. In case You are not satisfied by the reasons for rejection, you can represent to Us within 15 days of such denial. If You do not receive a response to Your representation or if You are not satisfied with the response, You may write to our Grievance Cell. You also have the right to represent your case to the Insurance Ombudsman. The contact details of the office of the Insurance Ombudsman could be obtained from the IRDAI website.

Yes, You can. You will be allowed a period of fifteen days from the date of receipt of the Policy to review the terms and conditions of the Policy and to return the same if not acceptable.

If You have not made any claim during the free look period, You shall be entitled to:
  • A refund of the premium paid less any expenses incurred by Us on medical examination and the stamp duty charges or
  • where the risk has already commenced and the option of return of the policy is exercised by You, a deduction towards the proportionate risk premium for period on cover or;
  • Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during such period.

If you choose to cancel the policy after expiry of Free Look Period, the refund would be at our Short Period rate table given below:
  • Up to one month 1/4th of the annual rate
  • Up to three months 1/2 of the annual rate
  • Up to six months 3/4th of the annual rate
  • Exceeding six months Full annual rate

The refund would be made only if no claim has been made or paid under the Policy. We may also at any time cancel the Policy on grounds of misrepresentation, fraud, non–disclosure of material fact or non–cooperation by You by sending fifteen days’ notice in writing by Registered A/D to You at the address stated in the Policy. Even if there are several insured persons, notice will be sent to You. On such cancellation, premium corresponding to the unexpired period of Insurance will be refunded, if no claim has been made or paid under the Policy.

Yes. Payments made for health insurance in any mode other than cash are eligible for deduction from taxable income as per Section 80 D of the Income Tax Act, 1961. For details, please refer to the relevant Section of the Income Tax Act.


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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022