{"uin":"NIAHLIP25047V042425","name":"New India Asha Kiran Policy (Cashless facility available)","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"New India Asha Kiran Policy is a floater indemnity health policy for families with only girl children, covering hospitalisation expenses and a personal accident section for proposer and spouse. The policy has sum insured choices from Rs. 2 Lakhs to Rs. 15 Lakhs, a 30-day initial waiting period, a 36-month pre-existing disease waiting period and a 60-month moratorium period.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:56:58.537589+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe zones and sum insured options, but do not name separate plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One policy year as mentioned in the schedule; the prospectus says it is usually one year from the date of beginning of insurance.","display":"One policy year; usually one year","note":null,"quote":"POLICY PERIOD means period of one policy year as mentioned in the schedule for which the Policy is issued ... The Policy is valid during the Period of Insurance stated in the Schedule attached to the Policy. It is usually valid for a period of one year from the date of beginning of insurance.","sources":[{"clause":"2.57","heading":"POLICY PERIOD","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-2-57"},{"clause":"21","heading":"HOW LONG IS THE POLICY VALID?","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13407#c-21"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For hospitalisation, intimate the TPA immediately on detection or forty-eight hours before hospitalisation; in a medical emergency, intimate within twenty-four hours from the time of hospitalisation. For personal accident death claims, notify immediately but not later than 30 days of the incident; for injury claims, notify immediately.","display":"Hospitalisation: immediately or 48 hours before; emergency: within 24 hours; PA death: within 30 days","note":null,"quote":"a) Intimate TPA in writing on detection of any Illness/Injury being suffered immediately or forty- eight hours before Hospitalisation.\nb) Intimate within twenty-four hours from the time of Hospitalisation in case of Hospitalisation due to medical emergency. ... In case of death claim:\n1. Nominee under the policy should immediately, but not later than 30 days of the incident, notify the policy issuing office. ... In case of Injury claim:\n1. Notify the policy issuing office immediately.","sources":[{"clause":null,"heading":"FOR HOSPITALISATION","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-for-hospitalisation"},{"clause":"5.20","heading":"NOTICE OF CLAIM","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-20"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form duly filled and signed by the claimant","All documents pertaining to the illness starting from the date it was first detected i.e., Doctor's consultation reports/history","Numbered Bill/Receipt and Discharge certificate / card from the Hospital.","Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.","Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.","Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt.","Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis.","Details of previous policies if the details are not already with TPA or any other information needed by the TPA for considering the claim.","death certificate, post mortem report, police report and original policy","medical certificate certifying the disablement"],"display":"Claim form, illness records, hospital bill/receipt and discharge card, prescriptions and cash memos, test reports, surgeon/doctor bills and certificates, previous policy details, and PA claim documents","note":"Hospitalisation claim documents must be submitted to the TPA within Fifteen days from discharge; post-hospitalisation documents within 15 days after completion of such treatment.","quote":"i) Claim Form duly filled and signed by the claimant\nii) All documents pertaining to the illness starting from the date it was first detected i.e., Doctor's consultation reports/history\niii) Numbered Bill/Receipt and Discharge certificate / card from the Hospital.\niv) Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.\nv) Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.\nvi) Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt.\nvii) Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis.\nviii) Details of previous policies if the details are not already with TPA or any other information needed by the TPA for considering the claim. ... Submit the claim form along with death certificate, post mortem report, police report and original policy. ... Submit claim form along with medical certificate certifying the disablement.","sources":[{"clause":null,"heading":"FOR HOSPITALISATION","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-for-hospitalisation"},{"clause":"5.20","heading":"NOTICE OF CLAIM","page":28,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-20"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The insurer shall settle or reject a claim within fifteen days of receipt of the last necessary document; delayed payment carries interest at 2% above the bank rate from receipt of the last necessary document to payment.","display":"Within fifteen days of receipt of the last necessary document","note":"Another clause in the wording says settlement of claims other than cashless is within fifteen days from submission of claim.","quote":"i) We shall settle or reject a claim, as may be the case, within fifteen days of the receipt of the last ‘necessary’ document. ... iv) In the case of delay in the payment of a claim, we shall be liable to pay interest from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate. ... i) Settlement of claims (other than cashless) shall be settled within fifteen days from submission of claim.","sources":[{"clause":"5.21","heading":"SETTLEMENT/REJECTION OF CLAIM","page":29,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-21"},{"clause":"5.10","heading":"CLAIM SETTLEMENT (PROVISION FOR PENAL INTEREST)","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-10"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months","Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of Ninety Days / 24 months / 36 months","Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident","Expenses related to any admission primarily for diagnostics and evaluation purposes","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.","Expenses for cosmetic or plastic surgery or any treatment to change appearance","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.","Expenses related to any unproven treatment, services and supplies for or in connection with any treatment.","Expenses related to sterility and infertility.","Medical treatment expenses traceable to childbirth","Any expenses incurred on Domiciliary Hospitalization.","Treatment taken outside the geographical limits of India.","Procedures / treatments usually done in outpatient department are not payable under the Policy"],"display":"PED, specific waiting periods, first 30 days illness waiting period, diagnostics/evaluation, rest cure, gender-change treatment, cosmetic surgery, professional adventure sports, breach of law, unproven treatment, sterility/infertility, maternity, domiciliary hospitalisation, treatment outside India and OPD procedures","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months ... Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of Ninety Days / 24 months / 36 months ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to any admission primarily for diagnostics and evaluation purposes. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Expenses related to sterility and infertility. ... Medical treatment expenses traceable to childbirth ... Any expenses incurred on Domiciliary Hospitalization. ... Treatment taken outside the geographical limits of India. ... Procedures / treatments usually done in outpatient department are not payable under the Policy even if converted as an in-patient in the Hospital for more than twenty-four consecutive hours.","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-1"},{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-2"},{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-3"},{"clause":"4.4.1","heading":"INVESTIGATION & EVALUATION (Code- Excl04)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-1"},{"clause":"4.4.2","heading":"REST CURE, REHABILITATION AND RESPITE CARE (Code-Excl05) Expenses related to","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-2"},{"clause":"4.4.4","heading":"CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-4"},{"clause":"4.4.5","heading":"COSMETIC OR PLASTIC SURGERY (Code- Excl08)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-5"},{"clause":"4.4.6","heading":"HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-6"},{"clause":"4.4.7","heading":"BREACH OF LAW (Code- Excl10)","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-7"},{"clause":"4.4.13","heading":"UNPROVEN TREATMENTS (Code- Excl16)","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-13"},{"clause":"4.4.14","heading":"STERILITY AND INFERTILITY (Code- Excl17)","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-14"},{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-15"},{"clause":"4.4.17","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-17"},{"clause":"4.4.27","heading":null,"page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-27"},{"clause":"4.4.31","heading":"Procedures / treatments usually done in outpatient department are not payable under","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-31"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact New India through its grievance website, toll-free number, e-mail/fax/courier, branch grievance cell, or the grievance officer; senior citizens may use the senior citizen e-mail. If not satisfied, the insured person may approach the Insurance Ombudsman, and may also lodge a grievance at IRDAI IGMS.","display":"Contact New India grievance channels or branch/grievance officer first; then Ombudsman or IRDAI IGMS","note":null,"quote":"ln case of any grievance the insured person may contact the company through Website: https://www.newindia.co.in/portal/readMore/Grievances Toll free telephone no.: 1800-209-1415 E-mail, Fax and Courier: As mentioned in the above address Senior Citizens may write to seniorcitizencare.ho@newindia.co.in lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. lf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at https://www.newindia.co.in/portal/readMore/Grievances ... lf lnsured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of lnsurance Ombudsman of the respective area/region for redressal of grievance as per lnsurance Ombudsman Rules 2017. ... Grievance may also be lodged at IRDAI lntegrated Grievance Management System - https://igms. irdai.gov.in","sources":[{"clause":"5.14","heading":"REDRESSAL OF GRIEVANCE","page":26,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-14"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Rs. 2, 3, 5, 8, 10, 12 and 15 Lakhs.","display":"Rs. 2, 3, 5, 8, 10, 12 and 15 Lakhs","note":null,"quote":"You are free to choose any Sum Insured from Rs. 2, 3, 5, 8, 10, 12 and 15 Lakhs.","sources":[{"clause":"20","heading":"WHAT SUM INSURED SHOULD I CHOOSE?","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13407#c-20"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"This exclusion does not apply if the Insured Person has Continuous Coverage for more than twelve months, and applies afresh to enhanced sum insured.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"For enhanced sum insured, the exclusion applies afresh to the increase; portability credit reduces the waiting period to the extent of prior coverage.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"Ninety Days / 24 months / 36 months","note":"The shortest listed specific waiting period is Ninety Days. Other listed conditions have 24 months or 36 months waiting periods.","quote":"Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of Ninety Days / 24 months / 36 months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["90 Days Waiting Period: Diabetes Mellitus","90 Days Waiting Period: Hypertension","90 Days Waiting Period: Cardiac Conditions","24 Months waiting period: All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","24 Months waiting period: Benign ear, nose, throat disorders","24 Months waiting period: Benign prostate hypertrophy","24 Months waiting period: Cataract and age related eye ailments","24 Months waiting period: Gastric/ Duodenal Ulcer","24 Months waiting period: Gout and Rheumatism","24 Months waiting period: Hernia of all types","24 Months waiting period: Hydrocele","24 Months waiting period: Non-Infective Arthritis","24 Months waiting period: Piles, Fissures and Fistula in anus","24 Months waiting period: Pilonidal sinus, Sinusitis and related disorders","24 Months waiting period: Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","24 Months waiting period: Skin Disorders","24 Months waiting period: Stone in Gall Bladder and Bile duct, excluding malignancy","24 Months waiting period: Stones in Urinary system","24 Months waiting period: Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus","24 Months waiting period: Varicose Veins and Varicose Ulcers","24 Months waiting period: Puberty and Menopause related Disorders","24 Months waiting period: Internal Congenital Diseases","36 Months waiting period: Congenital External Disease","36 Months waiting period: Joint Replacement due to Degenerative Condition","36 Months waiting period: Age-related Osteoarthritis & Osteoporosis","36 Months waiting period: Treatment of Mental Illness","36 Months waiting period: Age Related Macular Degeneration (ARMD)","36 Months waiting period: Genetic diseases or disorders"],"display":"Diabetes, hypertension and cardiac conditions have 90 days; listed benign tumours, cataract, hernia and other conditions have 24 months; congenital external disease, joint replacement due to degenerative condition, osteoarthritis/osteoporosis, mental illness, ARMD and genetic diseases/disorders have 36 months","note":null,"quote":"i) 90 Days Waiting Period\n1. Diabetes Mellitus\n2. Hypertension\n3. Cardiac Conditions ... ii) 24 Months waiting period\n1. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n2. Benign ear, nose, throat disorders\n3. Benign prostate hypertrophy\n4. Cataract and age related eye ailments\n5. Gastric/ Duodenal Ulcer\n6. Gout and Rheumatism\n7. Hernia of all types\n8. Hydrocele\n9. Non-Infective Arthritis\n10. Piles, Fissures and Fistula in anus\n11. Pilonidal sinus, Sinusitis and related disorders\n12. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n13. Skin Disorders\n14. Stone in Gall Bladder and Bile duct, excluding malignancy\n15. Stones in Urinary system\n16. Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus\n17. Varicose Veins and Varicose Ulcers\n18. Puberty and Menopause related Disorders\n19. Internal Congenital Diseases ... iii) 36 Months waiting period\n1. Congenital External Disease\n2. Joint Replacement due to Degenerative Condition\n3. Age-related Osteoarthritis & Osteoporosis\n4. Treatment of Mental Illness\n5. Age Related Macular Degeneration (ARMD)\n6. Genetic diseases or disorders","sources":[{"clause":"4.2(e)(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-2-e-i"},{"clause":"4.2(e)(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-2-e-ii"},{"clause":"4.2(e)(iii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-2-e-iii"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, completion of sixty continuous months applies from the date of enhancement only on the enhanced limit.","quote":"After completion of sixty continuous months of coverage (including portability and migration in health insurance policy), no policy and claim shall be contestable by the insurer on grounds of non-disclosure, mis-representation except on grounds of established fraud. This period of sixty continuous months is called as Moratorium period.","sources":[{"clause":"5.8","heading":"MORATORIUM PERIOD","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"You can port the policy to another insurer by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under an Indian general or health insurer, you can transfer credit for sum insured, no claim bonus, specific waiting period, pre-existing disease waiting period and moratorium period.","display":"Yes, apply at least 30 days before but not earlier than 60 days from renewal date; waiting-period and other credits can transfer","note":null,"quote":"You will have the option to port the policy to other Insurers by applying to such Insurer to port the entire policy along with all the members of the family, if any, at-least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If policyholder is presently covered and has been continuously covered without any lapses under any Health Insurance policy with an Indian General or Health Insurer, then policyholder can transfer the credit gained to the extent of the sum insured, no claim bonus, specific waiting period, waiting period of pre-existing diseases, moratorium period etc. in the previous policy from the existing insurer to the acquiring insurer.","sources":[{"clause":"5.15","heading":"PORTABILITY AND MIGRATION","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, no age limit for renewal","note":null,"quote":"No. Your Policy can be renewed, as long as you pay the Renewal Premium before the date of expiry of the Policy. There is an age limit for taking a fresh Policy, but there is no age limit for renewal.","sources":[{"clause":"27","heading":"IS THERE AN AGE LIMIT UPTO WHICH THE POLICY WOULD BE RENEWED?","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13407#c-27"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience, and renewal shall not be denied because the insured person made claims in preceding policy years.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.11","heading":"RENEWAL OF POLICY","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-11"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel at any time during the term by giving 7 days’ written notice. For terms up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim has been made; no refund is made if any claim has been admitted or lodged or any benefit availed.","display":"7 days’ notice; proportionate premium for unexpired period if term up to one year and no claim","note":"For policies with term more than 1 year, refund applies to unexpired policy period where risk coverage for such policy years has not commenced.","quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. ... a) refunds proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"5.1","heading":"CANCELLATION","page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-1"},{"clause":"5.1(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-1-a"},{"clause":"5.1(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-1-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers medical/surgical treatment and services rendered only in India, and diagnostic tests outside India are not covered. Treatment outside the geographical limits of India is excluded.","display":"India only","note":null,"quote":"This Policy covers medical/surgical treatment and/or services rendered only in India. Any expense incurred for Diagnostic tests outside India would not be covered under this Policy. ... Treatment taken outside the geographical limits of India.","sources":[{"clause":"5.18","heading":"PLACE OF TREATMENT AND PAYMENT","page":27,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-18"},{"clause":"4.4.27","heading":null,"page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-4-4-27"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to new individual health insurance policies with a term of one year or more, except policies of less than a year, renewals, or porting/migrating.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable. A period of 30 days (from the date of receipt of the policy document) is available to the policyholder to review the terms and conditions of the policy.","sources":[{"clause":"5.6","heading":"FREE LOOK PERIOD","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The grace period definition states fifteen days where premium payment mode is monthly and thirty days in all other cases.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the Grace Period. ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"5.11","heading":"RENEWAL OF POLICY","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-5-11"},{"clause":"2.17","heading":"GRACE PERIOD","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13408#c-2-17"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"This insurance is available to persons between 18 years and 65 years. Daughter(s) from 3 months up to 25 years can be covered if financially dependent and one or both parents are covered; the upper age limit does not apply to mentally challenged daughter(s) and unmarried dependent daughter(s).","display":"Adults: 18 years to 65 years; dependent daughters: 3 months up to 25 years","note":"Designed for families with only girl children; minimum two members with at least one daughter are required.","quote":"This insurance is available to persons between the age of 18 years and 65 years. Daughter(s) from 3 months up to 25 years can be covered provided they are financially dependent on the parents and one or both parents are covered simultaneously. The upper age limit will not apply to mentally challenged daughter(s) and unmarried dependent daughter(s).","sources":[{"clause":"1","heading":"WHO CAN TAKE THIS POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13407#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["per annum"],"display":"per annum","note":"The documents print annual premium tables; no half-yearly, quarterly or monthly product premium mode is stated.","quote":"PRIMARY MEMBER Premiums applicable at different ages\nInsured | (Rs. per annum excluding GST)","sources":[{"clause":null,"heading":"New India Asha Kiran Policy - Premium Chart","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/13407#c-new-india-asha-kiran-policy-premium-chart"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["OPTIONAL COVER I: REVISION IN LIMIT OF CATARACT"],"display":"Optional Cover I: Revision in limit of cataract","note":"Available for Sum Insured 8 Lakhs and above; benefit is available after expiry of thirty-six months from the date of opting this cover.","quote":"3.9 OPTIONAL COVER I: REVISION IN LIMIT OF CATARACT ... This optional cover, if opted, will be in addition to limit specified in Clause 3.2. This Optional Cover is available for Sum Insured 8 Lakhs & above. 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19:49:40+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/asha-kiran-policy/New%20India%20Asha%20Kiran%20Policy%20Premium%20Chart.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/30455"},{"kind":"proposal","label":"Proposal Form New India Asha Kiran policy","pages":null,"fetched_at":"2026-10-17 19:49:37+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/asha-kiran-policy/New%20India%20Asha%20Kiran%20policy%20Proposal%20Form%20.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425/document/30454"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.newindia.co.in/grievance","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"New India Asha Kiran Policy (Cashless facility available) (UIN NIAHLIP25047V042425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-asha-kiran-policy-cashless-facility-available-niahlip25047v042425"}