How does the waiting period affect my coverage?

New India Asha Kiran covers pre-existing diseases after a 4-year waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

No-claim bonus increases sum insured for every claim-free year, enhancing policy coverage.

Will my health insurance cover treatment abroad?

No coverage for treatment abroad; applicable only within India under network hospitals.

Does the New India Assurance Asha Kiran Policy cover critical illnesses?

Yes, the policy includes coverage for critical illnesses like cancer, subject to specific terms and conditions.

Are there any add-ons available with the New India Assurance Asha Kiran Policy?

Yes, the policy offers optional add-ons such as Maternity Expenses Benefit, Revision in Cataract Limit, and Non-Medical Items (Consumables) coverage.

OneAssure

Health Insurance

New India Assurance

Asha Kiran

New India Assurance Asha Kiran Policy

Experience India's most trusted health insurance with New India Assurance Health Insurance. Get instant cashless treatment at 6800 network hospitals with sum insured up to ₹50 lakhs.

92.9

Claim Settlement Ratio

6800

Network Hospitals

7.3

Customer Rating

Policy Policy Wording

Get a Quote

92.9

Claim Settlement Ratio

6800

Network Hospitals

7.3

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: New India Assurance Health Insurance

Final Verdict

New India Asha Kiran offers comprehensive family coverage, including medical and personal accident protection. Ideal for families, it provides lifetime renewability, affordable premiums, and valuable add-ons like No-Claim Bonus and maternity cover.

About

About New India Assurance Health Insurance

The New India Asha Kiran Policy is a health and personal accident insurance plan designed for families, specifically covering parents and up to two dependent children. It provides medical coverage for hospitalization expenses, pre- and post-hospitalization costs, daycare treatments, and ambulance charges. Additionally, it includes personal accident cover for the insured individuals. The policy offers cashless treatment at network hospitals, a family discount, and lifetime renewability. With affordable premiums and comprehensive protection, it ensures financial security against medical emergencies and accidental injuries.

The New India Asha Kiran Policy is a health and personal accident insurance plan designed for families, specifically covering parents and up to two dependent children. It provides medical coverage for hospitalization expenses, pre- and post-hospitalization costs, daycare treatments, and ambulance charges. Additionally, it includes personal accident cover for the insured individuals. The policy offers cashless treatment at network hospitals, a family discount, and lifetime renewability. With affordable premiums and comprehensive protection, it ensures financial...

Asha Kiran Ratings

Asha Kiran

Insurer Rating

4.88

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of New India Assurance Insurance Company Limited

Room Rent

Normal: Shared accommodation,
ICU: Covered up to sum insured.

Advanced Treatments

Covers modern medical procedures, including Robotic surgery, Stem cell therapy, and Organ transplants as per policy terms.

Co-payment

No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.

Cashless Healthcare Providers

Access to 6,000+ network hospitals across India for cashless treatment and hassle-free hospitalization.

Waiting Period

Pre-existing diseases covered after 4 years;
Specific illnesses have a 2-year waiting period.

Daycare Treatment

Covers 140+ procedures, including cataract surgery, dialysis, and chemotherapy, without requiring 24-hour hospitalization.

AYUSH Treatment

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments up to a specified limit under the policy.

Room Rent

Normal: Shared accommodation,
ICU: Covered up to sum insured.

Advanced Treatments

Covers modern medical procedures, including Robotic surgery, Stem cell therapy, and Organ transplants as per policy terms.

Co-payment

No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.

Exclusions

Pre-existing diseases are covered only after 4 years.
Cosmetic and dental procedures unless required due to accidental injury.
Self-inflicted injuries including suicide attempts and substance abuse.
Injuries due to war, terrorism, or nuclear exposure.
Unproven, experimental, or alternative treatments beyond AYUSH coverage.

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About the company

New India Assurance is one of India’s oldest and most trusted insurance companies. It was founded in 1919 and has grown into a large public sector company with a strong presence across India and overseas. The company offers a wide range of insurance products, including health, motor, travel, and home insurance, but health insurance is one of its key areas. New India Health Insurance focuses on protecting individuals and families from medical expenses. They provide policies that cover hospitalisation, surgeries, pre- and post-hospitalisation costs, organ transplants, alternative treatments like AYUSH, and critical illnesses. The plans are designed for all age...

New India Assurance is one of India’s oldest and most trusted insurance companies. It was founded in 1919 and has grown into a large public sector company with a strong presence across India and overseas. The company offers a wide range of insurance products, including health, motor, travel, and home insurance, but health insurance is one of its key areas. New India Health Insurance focuses on protecting individuals and families from medical expenses. They provide...