New India Asha Kiran Policy (Cashless facility available)

New India Asha Kiran Policy is designed to the parents with ONLY girl children, 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 Company shall offer an option to migrate to suitable Health Insurance Policy. Sum Insured bands available are 2, 3, 5 & 8 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 less, for each eye.
  8. Expense incurred for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines are covered 100% of Sum insured.
  9. Pre Existing Diseases has a Waiting period of 48 Months.
  10. Specified diseases has a waiting period of 24 months.
  11. The Policy covers treatment only in India. Even within India, if premium is paid for lower zone and treatment taken in higher zone, our liability towards any claim will be :
    • 80% of admissible claim amount (or)
    • Sum Insured
    Whichever is less.
PERSONAL ACCIDENT COVERAGECOMPENSATION
Accidental Death ofProposer or Spouse100% of Sum Insured
Proposer and Spouse200% of Sum Insured
Permanent Total Disablement ofProposer or Spouse100% of Sum Insured
Proposer and Spouse200% of Sum Insured
Loss of one limb and one eye or loss of both eyes and/or loss of both limbs ofProposer or Spouse100% of Sum Insured
Proposer and Spouse200% of Sum Insured
Loss of one limb / sight in one eye ofProposer or Spouse50% of Sum Insured
Proposer and Spouse100% of Sum Insured

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

We have received the UIN number for revision in premium and modification in product features of New India Asha Kiran Policy - UIN: NIAHLIP24123V032324

Please click on the link below to know more about the product changes.

Please note there is revision in premium and product feature of New India Asha Kiran Policy.

We have received the UIN for the same: NIAHLIP24123V032324. The revised premium for Renewals will be applicable from 1st April 2024.

Sr.No Covers Existing Revision proposed

1

Optional Cover – 1

Not available

Optional Cover – 1 - No Proportionate Deduction is being introduced on the lines of the New India Mediclaim Policy and New India Floater Mediclaim Policy. Brief details of the coverage are given below.

2

Optional Cover – 2

Not available

Optional Cover – 2 - Maternity Cover is being introduced on the lines of the New India Mediclaim Policy and New India Floater Mediclaim Policy. Brief details of the coverage are given below.

3

Optional Cover – 3

Not available

Optional Cover – 3 - Enhanced Cataract Limit is being introduced on the lines of the New India Mediclaim Policy and New India Floater Mediclaim Policy. Brief details of the coverage are given below.

4

Optional cover 4 - for Non-Payable Items

Not available

Optional Cover 4 is available for items as per List 1 of the Policy clause on payment of an additional premium of Rs. 1500 per member for a coverage of Rs. 15,000 per policy period for SI 8 L & above. The same is being introduced along the lines of the New India Mediclaim Policy and the New India Floater Mediclaim Policy.

5

Sum Insured

2 L, 3 L, 5L and 8 L

New bands of 10, 12, and 15 L are now made available to the Insureds.

6

Day Care Procedures

139

226. We would like to confirm that this has been done in the interest of Policyholders and this has no impact on premium. This is available to all the Insured Persons.

Key Highlight of the modification:

Revised Premium chart will be applicable for Renewals from 1st April 2024: New India Asha Kiran Policy - Premium Chart(Excluding GST)

Sum Insured Zone PRIMARY MEMBER Premiums applicable at different ages
(Rs. per annum excluding GST)
0-20 Y 21-30 Y 30-35 Y 36-40 Y 41-45 Y 46-50 Y 51-55 Y 56-60 Y 61-65 Y
2,00,000 I

2,930

3,986

4,742

5,813

7,545

9,215

12,869

15,750

26,555

3,00,000 I

4,087

5,396

6,086

7,424

9,643

11,775

17,111

20,903

35,339

5,00,000 I

5,829

7,917

8,914

10,907

12,667

15,479

23,287

28,474

48,348

8,00,000 I

7,157

9,715

10,950

13,394

15,562

19,001

28,590

35,507

59,359

10,00,000 I

8,170

11,096

12,493

15,286

17,753

21,694

32,637

39,645

67,316

12,00,000 I

8,882

12,063

13,582

16,618

19,300

23,585

35,481

43,040

73,082

15,00,000 I

10,069

13,675

15,397

18,840

21,880

26,737

40,223

48,705

82,700

Sum Insured Zone 0-20 Y 21-30 Y 30-35 Y 36-40 Y 41-45 Y 46-50 Y 51-55 Y 56-60 Y 61-65 Y
2,00,000 II

2,663

3,623

4,316

5,277

6,852

8,379

11,703

14,318

24,146

3,00,000 II

3,720

4,910

5,527

6,748

8,761

10,702

15,553

19,008

32,120

5,00,000 II

5,296

7,194

8,108

9,910

11,521

14,074

21,172

25,880

43,953

8,00,000 II

6,502

8,833

9,954

12,172

14,150

17,275

25,994

32,281

53,966

10,00,000 II

7,423

10,083

11,364

13,889

16,146

19,725

29,673

36,034

61,196

12,00,000 II

8,069

10,961

12,354

15,099

17,553

21,443

32,258

39,120

66,438

15,00,000 II

9,148

12,426

14,005

17,117

19,899

24,310

36,570

44,269

75,182

Sum Insured Zone 0-20 Y 21-30 Y 30-35 Y 36-40 Y 41-45 Y 46-50 Y 51-55 Y 56-60 Y 61-65 Y
2,00,000 III

2,394

3,261

3,891

4,757

6,174

7,545

10,538

12,884

21,735

3,00,000 III

3,352

4,425

4,969

6,072

7,879

9,629

13,994

17,111

28,916

5,00,000 III

4,765

6,470

7,303

8,914

10,374

12,667

19,055

23,287

39,558

8,00,000 III

5,846

7,951

8,959

10,962

12,739

15,548

23,399

29,056

48,574

10,00,000 III

6,678

9,068

10,236

12,493

14,539

17,753

26,707

32,423

55,077

12,00,000 III

7,259

9,858

11,128

13,582

15,806

19,300

29,034

35,200

59,794

15,00,000 III

8,230

11,176

12,615

15,397

17,919

21,880

32,914

39,833

67,664

Sum Insured Zone ADDITIONAL MEMBER Premiums applicable at different ages
(Rs. per annum excluding GST)
0-20 Y 21-30 Y 30-35 Y 36-40 Y 41-45 Y 46-50 Y 51-55 Y 56-60 Y 61-65 Y
2,00,000 I

395

567

804

977

1,733

2,111

4,473

5,466

17,262

3,00,000 I

545

764

1,000

1,235

2,220

2,720

5,925

7,248

22,947

5,00,000 I

779

1,134

1,489

1,816

2,908

3,563

8,068

9,870

31,409

8,00,000 I

958

1,386

1,828

2,231

3,578

4,373

9,892

12,109

38,556

10,00,000 I

1,091

1,589

2,086

2,545

4,076

4,994

11,307

13,742

43,732

12,00,000 I

1,186

1,727

2,268

2,767

4,431

5,429

12,292

14,919

47,477

15,00,000 I

1,345

1,958

2,571

3,137

5,023

6,155

13,935

16,882

53,726

Sum Insured Zone 0-20 Y 21-30 Y 30-35 Y 36-40 Y 41-45 Y 46-50 Y 51-55 Y 56-60 Y 61-65 Y
2,00,000 II

363

521

725

882

1,575

1,922

4,064

4,962

15,687

3,00,000 II

500

692

911

1,117

2,015

2,470

5,380

6,586

20,860

5,00,000 II

710

1,024

1,352

1,652

2,648

3,236

7,331

8,969

28,556

8,00,000 II

870

1,260

1,663

2,029

3,251

3,970

8,996

11,012

35,053

10,00,000 II

995

1,436

1,895

2,316

3,711

4,535

10,274

12,487

39,759

12,00,000 II

1,081

1,561

2,060

2,518

4,035

4,930

11,169

13,557

43,164

15,00,000 II

1,226

1,769

2,335

2,854

4,574

5,589

12,662

15,341

48,845

Sum Insured Zone 0-20 Y 21-30 Y 30-35 Y 36-40 Y 41-45 Y 46-50 Y 51-55 Y 56-60 Y 61-65 Y
2,00,000 III

332

473

647

788

1,418

1,733

3,654

4,473

14,112

3,00,000 III

456

617

823

1,000

1,809

2,220

4,837

5,925

18,773

5,00,000 III

642

928

1,216

1,489

2,389

2,908

6,594

8,068

25,704

8,00,000 III

781

1,134

1,500

1,828

2,923

3,578

8,102

9,917

31,550

10,00,000 III

900

1,301

1,704

2,086

3,349

4,076

9,241

11,233

35,787

12,00,000 III

978

1,414

1,852

2,268

3,641

4,431

10,046

12,195

38,853

15,00,000 III

1,109

1,603

2,100

2,571

4,127

5,023

11,389

13,800

43,966

Premium will increase by 2% for every year after the age of 65 years for both Primary and Additional members.

Optional Covers – Per Member Premium (Excluding GST)

Sum Insured (Rs.) OPTIONAL COVER I : NO PROPORTIONATE DEDUCTION
<35 36-45 46-50 51-55 56-60 61-65 >65
2,00,000

1,418

1,506

2,483

3,741

4,852

6,419

9,201

3,00,000

980

1,040

1,715

2,584

3,351

4,434

6,355

5,00,000

770

817

1,348

2,031

2,634

3,485

4,995

8,00,000

646

686

1,131

1,704

2,210

2,924

4,191

10,00,000

662

703

1,159

1,747

2,265

2,997

4,296

12,00,000

644

684

1,127

1,699

2,203

2,915

4,178

15,00,000

458

487

802

1,209

1,568

2,075

2,974

OPTIONAL COVER II : MATERNITY EXPENSES BENEFIT
SI 5,00,000 8,00,000 10,00,000 12,00,000 15,00,000
(Rs.)

5,000

8,000

10,000

12,000

15,000

Sum Insured (Rs.) OPTIONAL COVER III : REVISION IN LIMIT OF CATARACT
<50 51-55 56-60 61-65 >65
8,00,000

444

1,049

2,269

3,645

3,893

10,00,000

555

1,311

2,836

4,556

4,866

12,00,000

666

1,573

3,404

5,467

5,839

15,00,000

832

1,967

4,255

6,834

7,299

Optional Cover IV: For Non-Medical Items (Consumables): This optional cover is for covering medical consumables (Non-Payable items). It is applicable for Sum Insured of 8 L & above, and is payable up to a maximum of Rs. 15,000 per policy period. The premium charged for this add on cover will be rated Rs 1500/- per member.

WhatsApp Us