New India Assurance Asha Kiran Policy
New India Assurance
7.3/10
OneAssure Rating
7.3/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
Provides shared accommodation for normal hospitalization and ICU expenses up to the sum insured, ensuring affordability and comfort.
Advance Treatments
Includes robotic surgery, stem cell therapy, and organ transplants, providing access to the latest medical advancements.
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Shared accommodation,
- ICU: Covered up to sum insured.
- Normal: Shared accommodation,
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.
- Pre-existing diseases covered after 4 years;
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.
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.
Treatment for hazardous sports or adventure activities.
Dietary supplements, vitamins, and non-prescribed treatments.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 for its reliable claim settlement and extensive network of hospitals, making it a popular choice for people who want financial security against rising healthcare costs.
About the Company
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Frequently Asked Questions
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