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Yuva Bharat Plan
India is experiencing a youth-driven demographic shift, and health insurance providers are stepping up with specialized plans. The Yuva Bha…
- Personal accident benefits
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- Air ambulance
New India Health Insurance
Asha Kiran Mediclaim Policy
New India Asha Kiran Policy is designed for parents with ONLY girl chi ...Read More
Up to 2 Crore
Sum insured
1
No. of plans
1800+
Pan India presence
90.73%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 3,000+ hospitals
📊 1.91 solvency ratio
✅ 90.73% claim settlement
About Asha Kiran Mediclaim Policy
A quick read on what this New India Health Insurance plan covers and why it might be a fit for you.
The New India Asha Kiran Policy by New India Health Insurance is a unique policy designed for parents with only a girl child. The New India Asha Kiran Policy covers a maximum of TWO dependent daughters. In case, a boy child is born or Daughter/s becomes independent after purchasing the New India Asha Kiran Policy the company shall offer an option to migrate to a suitable Health Insurance Policy. Under the New India Asha Kiran Policy, the Sum Insured bands available are 2, 3, 5 & 8 Lakhs.
The Asha Kiran Policy from New India Assurance Company offers multiple benefits to secure the future of your children such as a 50% discount on premiums for girl children. Additionally, the New India Assurance Asha Kiran Policy provides critical illness benefits, personal accident cover, Hospital Cash, and many such benefits.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹5 L, ₹8 L, ₹10 L, ₹12 L, ₹15 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Hospital Cash Cover
- Covers Daughters
- Cataract Cover
Cons
- Illegal activities
- Obesity and cosmetic procedures
- Alcoholism
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
New India Health Insurance
This video talks about New India Health Insurance in detail. It talks about key features like Solvency Ratio, Claim Support Ratio which help an individual to analyze if the Insurer matches with his/ her requirements.
New India Health Insurance Network Hospital List
New India Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, New India Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under the New India Asha Kiran Mediclaim Plan are:
- Hospitalization out of war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage, and Abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
- Listed ailments after 24 Months
- Pre-existing diseases after 36 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 15 L
Other features & benefits
- AYUSH Cover
- 4 Optional Covers
- 226 Day care Procedure
Asha Kiran Mediclaim Policy: FAQs
The 10 most-asked questions about Asha Kiran Mediclaim Policy, answered.
The eligibility age to buy New India Asha Kirna Policy is between 18 years and 60 years. Individuals can also include children under the policy if they are aged at least 91 days.
Under New India Asha Kiran Policy, in case you seek treatment at a hospital outside the zone that you have paid a premium for, then for every admissible claim, you will be required to pay a share of 20%.
The waiting periods for various coverages under the New India Asha Kiran Policy are: Initial waiting period of 30 days from the date of policy issuance. Waiting period of 18 months/24 months for specific diseases or treatments such as cataracts, stones in the gallbladder, etc. Waiting period of 48 months for pre-existing diseases.
New India Asha Kiran Policy covers the policyholder for specific 11 critical illnesses and will pay flat 10% of the Sum Insured as an additional benefit.
The inclusion of a newborn girl or second girl child is allowed.
Yes, a pre-medical check-up is required for all members entering after the age of 50 and those with adverse medical conditions.
Yes, Personal Accident Cover is available up to 100% of the Sum Insured. Personal accident cover in the Asha Kiran Policy covers you in case of death and disability.
New India Assurance Kiran Policy covers the following critical illnesses: Cancer First Heart attack of specified severity Open chest CABG Open Heart replacement or repair of Heart valves Coma of specified severity
You can register a claim for an illness or injury you contracted anywhere around the world as long as you avail treatment within the boundaries of India.
The policy offers coverage for expenses incurred on allopathy, Ayurveda, and unanipathy treatments taken by the insured.
Explore New India Health Insurance
New India Family Plans
New India Health Policy Download
New India Assurance Renewal
New India Assurance Claim Settlement Ratio
New India Assurance Maternity
New India Health Insurance Customer Support
New India Health Premium Calculator
New India Health Policy And Claim Status
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