
New India Assurance Asha Kiran Policy Plan
New India Assurance
7.3/10
OneAssure Rating
7.3/10
OneAssure Rating
Highlighted Features

Room Rent Coverage
Provides shared accommodation for normal hospitalization and ICU expenses up to the sum insured, ensuring affordability and comfort.

Advance Treatments
Includes robotic surgery, stem cell therapy, and organ transplants, providing access to the latest medical advancements.
Policy Wording
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Our Verdict
New India Asha Kiran offers comprehensive family coverage, including medical and personal accident protection. Ideal for families, it provides lifetime renewability, affordable premiums, and valuable add-ons like No-Claim Bonus and maternity cover.
About the Plan
The New India Asha Kiran Policy is a health and personal accident insurance plan designed for families, specifically covering parents and up to two dependent children. It provides medical coverage for hospitalization expenses, pre- and post-hospitalization costs, daycare treatments, and ambulance charges. Additionally, it includes personal accident cover for the insured individuals. The policy offers cashless treatment at network hospitals, a family discount, and lifetime renewability. With affordable premiums and comprehensive protection, it ensures financial security against medical emergencies and accidental injuries.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Shared accommodation,
ICU: Covered up to sum insured.
Advanced Treatments
Covers modern medical procedures, including Robotic surgery, Stem cell therapy, and Organ transplants as per policy terms.
Co-payment
No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.
Waiting Periods
Pre-existing diseases covered after 4 years;
Specific illnesses have a 2-year waiting period.
Cashless Healthcare Providers
Access to 6,000+ network hospitals across India for cashless treatment and hassle-free hospitalization.
Day Care Treatments
Covers 140+ procedures, including cataract surgery, dialysis, and chemotherapy, without requiring 24-hour hospitalization.
AYUSH Treatment
Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments up to a specified limit under the policy.
Exclusions
Pre-existing diseases are covered only after 4 years.
Cosmetic and dental procedures unless required due to accidental injury.
Self-inflicted injuries including suicide attempts and substance abuse.
Injuries due to war, terrorism, or nuclear exposure.
Unproven, experimental, or alternative treatments beyond AYUSH coverage.
Pregnancy, childbirth, and related expenses unless covered under an add-on.
HIV/AIDS and STDs unless specifically included in the policy.
Congenital diseases and genetic disorders.
Treatment for hazardous sports or adventure activities.
Dietary supplements, vitamins, and non-prescribed treatments.
Exclusions
Sum Insured Enhancement - Option to increase coverage at renewal, subject to no claims in the previous year.
Personal Accident Cover - Provides additional financial protection for accidental death or disability.
Maternity Cover Add-on - Covers maternity expenses and newborn baby care (if opted).
No-Claim Bonus - Increases sum insured for every claim-free year.
Restoration Benefit - Auto-reinstatement of sum insured if exhausted during a policy year.
Add-ons
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About the Company
New India Assurance was founded in 1919 and is one of India's premier multinational general insurance companies. It was founded by Sir Dorabji Tata. The Company’s headquarter is in Mumbai, Maharashtra.
New India Assurance is a leading multinational general insurance company offering a wide range of products, including motor, health, travel, and property insurance. It caters to individuals, businesses, and government sectors. The company aims to provide affordable and reliable insurance solutions, with a focus on customer satisfaction and comprehensive coverage. Its plans are designed to meet diverse needs, providing financial security and risk protection to a broad customer base.