New India Asha Kiran Policy (Cashless facility available)

New India Asha Kiran Policy (Cashless facility available)

Health Insurance Policy

Downloads

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, 10, 12 and 15 Lakhs.

Highlights of the Policy:

50% Discount on the premium for Girl Children.
Critical Care Benefit - 10% of the Sum Insured.
Personal Accident Cover up to 100% of Sum Insured.
Room rent and ICU Charges at 1% and 2% of Sum Insured per day respectively.
Hospital Cash up to 1% of Sum Insured.
Ambulance charges up to 1% of Sum Insured.
Cataract claims, up to 10% of Sum Insured or INR 50,000 whichever less, for each eye.
Expense incurred for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines are covered 100% of Sum insured.
Pre Existing Diseases has a Waiting period of 48 Months.
Specified diseases has a waiting period of 24 months.
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.
Optional covers option available-
- Optional cover I- No Proportionate deduction
- Optional cover II – Maternity Expense Benefit
- Optional cover III – Revision in the limit of Cataract
- Optional Cover IV – Non Medical Items(Consumables)
226 Day care Procedure available.

PERSONAL ACCIDENT COVERAGE		COMPENSATION
Accidental Death of	Proposer or Spouse	100% of Sum Insured
Accidental Death of	Proposer and Spouse	200% of Sum Insured
Permanent Total Disablement of	Proposer or Spouse	100% of Sum Insured
Permanent Total Disablement of	Proposer and Spouse	200% of Sum Insured
Loss of one limb and one eye or loss of both eyes and/or loss of both limbs of	Proposer or Spouse	100% of Sum Insured
	Proposer and Spouse	200% of Sum Insured
Loss of one limb / sight in one eye of	Proposer or Spouse	50% of Sum Insured
Loss of one limb / sight in one eye of	Proposer and Spouse	100% of Sum Insured

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

We wish to bring to your notice that the terms & conditions of 'New India AshaKiran Policy' (NIAHLIP24123V032324) shall be applicable for the all renewals falling due on or after 1st April 2024 and for Fresh Policies w.e.f 1st Feb 2024

Revision in premium is applicable for Fresh and Renewals from 1st Feb and 1st April respectively

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 1^st 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 1^st 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
Sum Insured (Rs.)	<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
Sum Insured (Rs.)	<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.