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 9480 network hospitals with sum insured up to ₹50 lakhs.

92.9

Claim Settlement Ratio

9480

Network Hospitals

7.3

Customer Rating

Get a Quote

92.9

Claim Settlement Ratio

9480

Network Hospitals

7.3

Customer Rating

Our Verdict

Expert Review: New India Assurance Health Insurance

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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...

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.

Waiting Period

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

Cashless Healthcare Providers

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

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.

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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.
Pregnancy, childbirth, and related expenses unless covered under an add-on.
HIV/AIDS and STDs unless specifically included in the policy.
Congenital diseases and genetic disorders.

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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 groups, from children to senior citizens, and include features like cumulative bonus, hospital cash, and optional covers to meet different needs. The company is known...

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...