New India Asha Kiran Policy (Cashless facility available)

New India Asha Kiran Policy is designed for parents with ONLY girl children. A maximum of TWO dependent daughters can be covered under this policy. If a boy child is born or daughter/s become independent after taking the policy, the Company shall offer an option to migrate to a suitable Health Insurance Policy. Sum Insured bands available are 2, 3, 5, 8, 10, 12 and 15 Lakhs.

Highlights of the Policy:

1. 50% Discount on the premium for Girl Children.
2. Critical Care Benefit - 10% of the Sum Insured.
3. Personal Accident Cover up to 100% of Sum Insured.
4. Room rent and ICU Charges at 1% and 2% of Sum Insured per day respectively.
5. Hospital Cash up to 1% of Sum Insured.
6. Ambulance charges up to 1% of Sum Insured.
7. Cataract claims, up to 10% of Sum Insured or INR 50,000 whichever is less, for each eye.
8. Expenses incurred for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicine are covered up to 100% of Sum Insured.
9. Pre-existing Diseases have a waiting period of 36 Months.
10. Specified diseases have a waiting period of 24 months.
11. The Policy covers treatment only in India. Even within India, if premium is paid for a lower zone and treatment is taken in a higher zone, our liability towards any claim will be:
    • 80% of the admissible claim amount (or)
    • Sum Insured, whichever is less.
12. Optional covers available:
    • Optional Cover I – Revision in the limit of Cataract
13. 226 Day care Procedures available.

*Please refer to the prospectus for premium chart.
**Please refer to the policy document for detailed terms and conditions.

UIN Number : NIAHLIP25047V042425