Network hospitals
3000+
Incurred claim ratio
90.73%
Sum insured
Up to 2 Crore
No. of Plans
1
Solvency Ratio
1.8
Pan India Presence
1800+
New India Cancer Guard Policy by New India Assurance is a health insurance plan that provides a financial cushion for expensive treatments such as Cancer. The New India Cancer Guard Policy can be availed by individuals from the age of 3 months to 65 years.
The plan covers important treatments such as chemotherapy, radiotherapy, Organ Transplant, once-surgery, and more. With a high range of sum insured starting from 5 lakh to 50 lakh New India Cancer Guard Policy is a versatile cancer health insurance plan.
Additional benefits such as cancer care benefit, post-treatment follow-up, second opinion for surgery, and other extensive features of the policy help individuals avail an effective course of treatment for such a major illness.
Along with all of the features mentioned, the New Care Cancer Guard policy offers treatment for over 58-day care procedures, ambulance cover, major discounts, and other benefits.
To understand New India Cancer Guard Insurance in detail, take a look at the below table:
3 months to 65 Years
Critical Illness Health Insurance
5 L | 10 L | 15 L | 25 L | 50 L
90 Days
Lifetime
1,2,3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, New India Cancer Guard Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Not Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
New India Cancer Guard Policy is a one-of-a-kind policy that offers coverage for cancer through various sum insured options. Some of the policy benefits provided by the New India Cancer Guard Policy are listed below.
New India Health Insurance
New India Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, New India Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
To understand the premium payment structure for the New India Cancer Guard policy refer to the information given below:
Sum Insured (in Rs.) | 5 Lakhs | 10 Lakhs | 15 Lakhs | 25 Lakhs | 50 Lakhs |
Premium Payable (in Rs.) | 929 | 1,022 | 1,282 | 1,728 | 2,638 |
Sum Insured (in Rs.) | 5 Lakhs | 10 Lakhs | 15 Lakhs | 20 Lakhs | 25 Lakhs |
Premium Payable (in Rs.) | 1,101 | 1,211 | 1,519 | 2,048 | 3,127 |
Permanent diseases or health conditions that are not included under the New India Cancer Guard Policy are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and Abortion
Congenital disease
Infertility and in vitro fertilization
To cater to the different medical needs of an individual & their family, New India Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to New India Health Insurance plans explore more:
Top Up and Super Top Up
New India Top-Up Mediclaim is a top-up insurance plan that covers hospitalization expenses once your base health insurance is exhausted. The policy is...
Unique Features
Senior Citizen Health Insurance
New India Sixty Plus Mediclaim Policy is a comprehensive health insurance by New India Assurance Company. The policy covers senior citizens aged betwe...
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Accident Health Insurance
New India Assurance Personal Accident Policy is a simple health insurance plan that provides compensation in case the insured is deceased or disabled ...
Unique Features
Individual and Family Health Insurance
New India Assurance Mediclaim Policy offered by New India Assurance Health Insurance Company is a health plan that covers you and your family against ...
Unique Features
Individual and Family Health Insurance
The New India Asha Kiran Policy by New India Health Insurance is a unique policy designed for parents with only a girl child. The New India Asha Kiran...
Unique Features
Senior Citizen Health Insurance
New India Assurance Senior Citizen Mediclaim Policy is a comprehensive plan which provides many benefits such as medical cover, cashless hospitalizati...
Unique Features
Family
New India Floater Mediclaim by New India Assurance is amongst the well-recognized insurance plans when opting for a comprehensive New India Health Ins...
Unique Features
Individual and Family Health Insurance
New India Premier Mediclaim Policy is a versatile health insurance policy that can cover up to 6 members of your family under a single policy. New Ind...
Unique Features
Critical Illness Health Insurance
New India Cancer Guard Policy by New India Assurance is a health insurance plan that provides a financial cushion for expensive treatments such as Can...
Unique Features
Group Health Insurance
New India Flexi Floater Group Mediclaim Policy is a comprehensive health insurance plan. Since a group health insurance policy is designed to offer fi...
Unique Features
Individual and Family Health Insurance
The New India Assurance Yuva Bharat Health Policy is a comprehensive health insurance plan that includes a plethora of additional features in addition...
Unique Features
New India Cancer Guard Policy will not be helpful or beneficial for individuals who have already been diagnosed with cancer. The plan covers individuals suffering from cancer after a waiting period of 90 days.
The insurance amount options available under the New India Cancer Guard policy are 5 lakh, 10 lakh, 15 lakh, 25 lakh and 50 lakh
The cancer care benefit under the New India Cancer Guard policy provides you 50% of the insurance amount, if cancer is detected for the first time, it will be a critical care benefit. This amount is in addition to the sum insured.
There is no need for a pre-policy medical check-up to invest in a policy under the New India Cancer Guard policy.
Yes, individuals can avail a no-claim bonus under the New India Cancer Guard policy, in which the sum assured will be increased by 10% on every renewal, provided that the insurance holder spends claim-free years of insurance up to a maximum of 50% of the sum insured.
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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February 5, 2023
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