New India Asha Kiran Policy: Benefits, Premium, Renewal Online in 2026
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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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 3,000+ hospitals
📊 1.91 solvency ratio
✅ 90.73% claim settlement

New India Asha Kiran Policy is designed for parents with ONLY girl children, a maximum of 2 dependent daughters can be covered under this policy.

Why Do We Recommend This?
  • 50% Discount on the Premium for Girl Children
  • Critical Care Benefit
  • Personal Accident Cover

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

A quick look at what this plan covers — and what it doesn't.

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

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

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

Frequently Asked Questions

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

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 29 Oct 2024

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