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New India Assurance Asha Kiran Insurance Policy

New India Assurance Asha Kiran Insurance Policy - This New India Assurance plan covers the following Hospitalization expenses:

  • ICU charges: Upto 2% of Sum Insured per day.
  • Inpatient Hospitalization expenses: Upto Sum assured subject to the sub limits, however does not cover the outpatients.
  • Room and Nursing Charge: 1% of Sum Insured per day.
  • Specialists Fee, Consultants, Surgeon, Medical Practitioner, and Anesthetist fees.
  • Oxygen, Surgical Appliances, Medicines & Drugs, Blood, Anesthesia, OT Charges, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical operation like pacemaker, related test, X-Ray and other expenses.
  • Organ Donor hospitalization expenses.
  • Specified day care procedures.
  • Cataract operation coverage under this policy will be maximum upto Rs 50000/- or 10% of Sum Insured whichever is less.
  • AYUSH treatments are also payable under this policy to the tune of 25% of the sum insured.
  • Outpatient treatments are excluded.
  • 11 critical illnesses as specified 10% of sum insured.
  • Congenital diseases (not pre existing) are also covered but subject to waiting periods as specified for internal or external issues.

The following Personal Accident Plans are also covered:

Serial Nos Coverage   Compensation
1. Accidental Death Proposer or Spouse 100% of Sum Insured
Proposer and Spouse 200% of Sum Insured
2. Permanent Total Disablement of Proposer or Spouse 100% of Sum Insured
Proposer and 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 and Spouse 200% of Sum Insured
4. Loss of one Limb /sight in one eye of Proposer or Spouse 50% of Sum Insured
Proposer and Spouse 100% of Sum Insured

Eligibility - New India Assurance Asha Kiran Insurance Policy

The uniqueness of this New India Assurance policy is the parents can take this plan only with daughters. This can be availed by individuals who are aged between 18-65 years. Daughters between 3 months till 18 years are covered under this plan provided their parents are also covered simultaneously. Children between 18 years till 25 years are also covered provided their parents are also covered simultaneously and they are financially dependants on their parents except for unmarried daughter and where the child is mentally handicapped.

Tenure Of The Plan - New India Assurance Asha Kiran Insurance Policy

The policy is only for a period of one year.

Sum Insured And Premium - New India Assurance Asha Kiran Insurance Policy

There are basically 4 types of New India Assurance plans or sum insured categories which are Rs 2 lakhs, Rs 3 lakhs, Rs 5 lakhs and Rs 8 lakhs. The New India Health Insurance Premium payable is based on the following criteria:

  • Premium from Primary Member Premium Table ranges from Rs 1860 to Rs 38550.
  • Premium for the additional 2 Daughter who can to be covered under the plan from Additional Member Premium Table ranges from Rs 250 – Rs 25040.
  • Basis: Family Floater: i.e, the sum insured will apply to all the insured members
    (includes proposer, spouse, 2 dependent daughters).
  • Sum Insured
  • Zone- under Zone there are 3 zones which are namely Greater Mumbai, Delhi NCR, Rest Of India.
  • Premiums for covered Daughters are 50% lower than that of the additional members.
  • Premium loading is applicable upon renewal for members above 65 years which is 2% every year.

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