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Most Popular Policies of New India Assurance

  • New India Assurance Senior Citizen Mediclaim Policy
    New India Assurance Senior Citizen Mediclaim Policy offers coverage to the insured against hospitalization expenses for treatment of injury and illness during policy period.
    Key features of New India Assurance Senior Citizen Mediclaim Policy
    • Maximum entry-age is 80
    • Maximum renewal age is 90 years
    • Organ donor transplant expenses are covered
    • Pre-existing hypertension, diabetes melitus are covered upon additional premium
    • Ayurvedic, homeopathic and Unani treatments are covered
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  • New India Family Floater Mediclaim Policy
    New India Assurance Family Floater Mediclaim Policy covers all family members with single sum insured. The coverage is provided for expenses for the treatment of any illness or injury.
    Key features of New India Family Floater Mediclaim Policy
    • The policy comes with lifetime renewal option
    • Good health and loyalty discount are available
    • Coverage available on complications due to pre-existing conditions
    • Organ donor hospitalization expenses are covered
    • Cataract surgery is covered up to certain limits
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  • New India Assurance Janata Mediclaim policy
    New India Assurance Janata Mediclaim policy covers cost of hospitalization (more than 24 hours) expenses and treatment expenses due to injury and illness or injury.
    Key features of New India Assurance Janata Mediclaim policy
    • Good health and loyalty discount are available
    • Ayurvedic, homeopathic and Unani treatments are covered
    • Cumulative Bonus is availble
    • Free health check-up is also available
    • Day care treatments are covered up to certain limits.
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  • New India Package Motor Policy
    New India Package Motor Policy offers coverage to expenses due to injury of owner and driver and loss or damage of the insured's vehicle. The policy also covers third party death and liability.
    Key features of New India Package Motor Policy
    • Coverage for personal accident is available
    • Coverage available for expenses to fix damaged accessories
    • Coverage for passengers in the car is available.
    • Coverage is available for employees and paid drivers
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New India Asha Kiran Policy

This policy can be availed by the parents of only girl children. One can avail this policy if he is between 18 to 65 years of age. This insurance can provide coverage to the insured, insured’s spouse and dependent daughter. A maximum of 2 daughters who are aged between 3 months to 25 years age can avail the benefits of this insurance. However, it is important to have minimum of two family members to avail this insurance, where there should be at least one daughter. If one wants to add a new family member, it is not allowed unless a second girl is born within the policy term. One can insure a minimum amount of sum assured as 2 lakhs and a maximum of 8 lakhs.

How the policy works?

Asha Kiran is a floater health insurance designed to provide accidental and hospitalization cover for the proposer and his/her spouse. The insured and his/her family get coverage for critical illnesses and accidents. 10% of sum insured will be paid along with additional treatment claims for critical illnesses. The insured and his/her family members also get reimbursement for expenses on 74 types of major day-care treatments. In this policy, the insured and his family members can get themselves treated only within the country. Even in India, if the insured has paid premium for lower zone of treatment and is getting treated in the higher zone, the insurance benefit can be available on the sum assured or 80% of admissible claim amount, whichever is less.

Prime benefits of this policy

– This policy is quite helpful for anyone who has only daughters. There are several benefits of this policy that can provide you financial support at the time of need. Few of the prominent benefits of this policy are:

  • Covers several critical illnesses
  • Reimbursement of medical and hospitalization expenses
  • Covers congenital diseases and abnormalities
  • Daily cash on hospitalization
  • Covers all the medical expenses before hospitalization
  • Covers all the medical expenses post-hospitalization
  • 74 types of day-care treatments covered
  • Grace period provided for policy renewal
  • No fixed time limit for policy renewal
  • Cashless treatment in network hospitals
  • Fast processing for reimbursement of medical expenses
  • Free look up period for 15 days
  • Income tax benefit under section 80D
Coverage Amount
Room Rent / Boarding/ Nursing Expenses and other expenses as specified in policy 1% of the sum assured each day
ICU expenses 2% of the sum assured each day
Fees of surgeon, anesthetist, consultants, medical practitioner and specialists Entire amount
Expenses for Oxygen, OT charges, blood, diagnostic materials, surgical appliances, medicines etc. Entire amount
Cost of Chemotherapy, Dialysis, prosthetic devices, radiotherapy and artificial limbs Entire amount
Entire hospitalization expenses for organ transplant (without the cost of organ) Entire amount
Cataract and similar ailments 10% of sum assured or Rs. 50000, whichever is less
Accidental death either of two (insured or spouse)-100% of sum assuredboth (insured and spouse)- 200% of sum assured
Loss of single limb/eyesight either of two (insured or spouse)-50% of sum assuredboth (insured and spouse)- 100% of sum assured
Permanent total disablement either of two (insured or spouse)-100% of sum assuredboth (insured and spouse)- 200% of sum assured
Loss of one eye (s) and limb (s) either of two (insured or spouse)-100% of sum assuredboth (insured and spouse)- 200% of sum assured

Key features of this policy-

  • Designed for especially parents with only girl children
  • A minimum of one and a maximum of two daughters can be included
  • Insurance is issued only when at least two members are covered, of them one should be insured’s daughter
  • Insured should be in between 18 to 65 years of age
  • Daughter(s) should be in between 3 months to 25 years to avail the benefit
  • 10% to be given in addition to the claimed amount in case of critical illnesses
  • Cashless hospitalization benefit in network hospitals
  • Reimbursement available for hospitals throughout the country
  • No particular age for renewal

 

Other prominent features of this policy-

    • Daily cash benefit on hospitalization
    • 200% of sum assured provided on accidental death or permanent

disablement of eyesight or limb of both insured and spouse

  • Reimbursement of medical expenses of up to 74 day-care treatments
  • Income tax benefit under section 80D

 

Major ailments that covered under this policy-

  • Major critical illnesses and ailments like Cancer, organ failure, etc.
  • Cataract and eye surgeries
  • 74 types of day care treatments
  • Accidental death
  • Loss of limbs
  • Artificial implant
  • Hernia of all types
  • Gastric or Duodenal ulcer
  • Piles, Fistula and fissures
  • Hydrocele

Exclusions under this policy-

Although Asha Kiran Policy covers most of the critical illnesses and ailments, few of the ailments are not covered by this policy at all. There are many ailments that are covered after the insured has continued the policy for a particular span of time. The list of exclusions include-
Not payable until the insurance is minimum 24 months old-

  • Benign prostate hypertrophy
  • Cataract and age related eye ailments
  • Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus
  • Benign ear, nose, throat disorders
  • Hernia of all types
  • Gastric/ Duodenal Ulcer
  • Stones in Urinary system
  • Piles, Fissures and Fistula in anus
  • All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
  • Stone in Gall Bladder and Bile duct, excluding malignancy
  • Hydrocele
  • Non Infective Arthritis
  • Pilonidal sinus, Sinusitis and related disorders
  • Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident
  • Gout and Rheumatism
  • Skin Disorders
  • Hypertension
  • Varicose Veins and Varicose Ulcers
  • Diabetes Mellitus

If above-mentioned diseases are raised from pre-existing condition, reimbursements will not be made at all.
Not payable until the insurance is minimum 48 months old-

  • Age related Osteoporosis and Osteoarthritis
  • Joint replacement
  • Any kind of degenerative condition
  • Ailments, illness or injury due to invasion, war or foreign act
  • Plastic or cosmetic surgery unless needed due to an accident
  • Circumcision unless a necessary procedure of treatment
  • Any pre existing disease
  • Vaccination, jab or inoculation
  • Treatment of injury while engaged into criminal activities
  • Generic disorders and stem cell implantation

Eligibility to avail benefits of this policy-

  • Insured should be an Indian citizen
  • Should have only girl children
  • Must insure self or any family member and a daughter
  • Should be within 16 to 65 years age
  • Daughter (s) should be between 3 months to 25 years of age
  • In case of unmarried daughters, there is no maximum age limit
  • There is no age limit in case of mentally challenged daughters

Premium chart for the insurers-

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Premium chart for the family members-

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Other policies provided by New India Assurance-

  • New India Top Up Mediclaim
  • Mediclaim 2012 policy
  • New india Floater Mediclaim Policy
  • Janata Mediclaim Policy
  • Overseas Mediclaim Policy

Other popular mediclaim policies provided by renowned healthcare providers-

  • Apollo Munich Optima Restore Individual
  • Apollo Munich Optima Super Family Floater
  • Bharti AXA Smart Health Insurance
  • Bajaj Allianz Individual Health Guard
  • Chola MS Individual Healthline Plan

Frequently asked questions-

Q. Am I eligible for this policy?

Ans. – Anyone who has only girl children can avail this policy. One can avail this policy between 18 years to 65 years of age. One or more daughters in between 3 month to 25 years of age can avail the benefit. However, if your daughter is unmarried and financially dependent on you, she can avail benefits under this policy.

Q. Who can avail the benefits of this insurance policy?

Ans.-The proposer, his/her spouse and his/her daughters (maximum two) can get covered under a single policy.

Q. How much reimbursement will I get if I have more than one policy?

Ans.-The insurer has every right to choose any one of the policy benefits as per his/her wish. If the amount of medical expenses exceeds from the sum assured of a single policy, the insurer can choose the option of part reimbursement from both of the insurance providers. The company is not liable to pay more than policy’s terms and conditions.

Q. If I need to claim within two policy periods, will I get reimbursements?

Ans.-If your claim falls between two policy periods, your claim should be taken into consideration and expenses will be paid on the basis of sum insured available in there two policy periods. This will also include necessary deductibles for every policy period.