New India Cancer Guard Policy
  • Ambulance Cover
  • Day Care Procedures Covered
  • Cancer Care Benefit
New India Health Insurance
premium

Network hospitals

3000+

premium

Claim settlement ratio

92.93%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

24

premium

Solvency Ratio

1.34

premium

Pan India Presence

2000

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3000+

premium

Claim settlement ratio

92.93%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

24

premium

Solvency Ratio

1.34

premium

Pan India Presence

2000

New India Cancer Guard Policy

New India Cancer Guard Policy 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 at the age of 3 months till 65 years. The plan covers important treatments such as chemotherapy, radiotherapy, Organ Transplant, onco-surgery and more. With a high range of sum insured starting from 5 lakh till 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, New Care Cancer Guard policy offers treatment for over 58 day care procedures, ambulance cover, major discounts and other benefits.

New India Cancer Guard Policy Eligibility Criteria

Child Entry Age

3 Months

Adult Entry Age

65 years

Plan Type

Individual/Family Floater

Policy Term

1 Year

Initial Waiting Period

30 days

Sum Insured

5L | 10L | 15 L | 25 L | 50 L

*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.

Choose Your New India Cancer Guard Policy

You can select the sum insured options available under New India Cancer Guard Policy as per your requirements and needs

SI OPTIONS: 5 L, 10 L & 15 L

In-patient & Out-patient Coverage

Room Rent

Covered Single AC room

ICU Charges

Covered Up to Actuals

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Not covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Applicable up to 50% of SI

Automatic Restoration

Not Applicable

Daily Hospital Cash

Not Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Available

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered Up to Rs. 3,000

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Rs. 5,000

Vaccination

Not Covered

Limitations

Co-payment

Not Applicable

Sub-limits

Available

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under New India Cancer Guard Policy?

Under New India Cancer Guard Policy Plan, the room rent is covered.

  • Single AC room for SI 5 L, 10 L, and 15 L
  • Deluxe room for SI 25 L and 50 L

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy Plan, ICU charges are covered up to actuals.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy medical expenses incurred during pre-hospitalization are covered up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under New India Cancer Guard Policy?

Under New India Cancer Guard Policy Plan, medical expenses incurred during post-hospitalization are covered for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under New India Cancer Guard Policy?

Under New India Cancer Guard Policy, domiciliary hospitalization is not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy 58 daycare procedures are covered.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under New India Cancer Guard Policy?

New India Cancer Guard Policy does cover OPD expenses.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under New India Cancer Guard Policy?

COVID-19 treatment is not covered by New India Cancer Guard Policy.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under New India Cancer Guard Policy?

New India Cancer Guard Policy does not cover Cataract Treatment

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under New India Cancer Guard Policy?

The no-claim Bonus is available under New India Cancer Guard Policy. The no claim bonus is available 10% at the time of renewal subject to a maximum of 50%.

What is Automatic Restoration?

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy, automatic restoration is not available.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under New India Cancer Guard Policy?

The daily hospital cash is not available under New India Cancer Guard Policy

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under New India Cancer Guard Policy?

Under New India Cancer Guard Policy, Organ Donor hospitalization expenses are covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy, maternity expenses are not covered.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under New India Cancer Guard Policy?

Under New India Cancer Guard Policy the newborn baby cover is not available.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under New India Cancer Guard Policy?

AYUSH Treatment is not covered Under New India Cancer Guard Policy.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy, IVF treatment is not covered.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy, different Modern Treatments are not covered.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under New India Cancer Guard Policy?

Under New India Cancer Guard Policy Plan, Ambulance expenses are covered up to INR 3,000 per hospitalization.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Plan, Air Ambulance is not covered.

What is Compassionate Travel?

Refers to the traveling expenses of a Farmer member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy, compassionate travel is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy, Global coverage is not available.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under New India Cancer Guard Policy?

Under New India Cancer Guard Policy, e-consultation is not covered.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under New India Cancer Guard Policy?

Under New India Cancer Guard Policy, a health checkup is covered up to Rs. 10,000

What is a Second Medical Opinion?

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 status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy second medical opinion is covered for major surgeries

  • Rs.5,000 for 5 L, 10 L & 15 L
  • Rs. 10,000 for 25 L & 50 L

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under New India Cancer Guard Policy?

Under the New India Cancer Guard Policy Plan, vaccination expenses are not covered.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under New India Premier Medical Policy?

Under New India Cancer Guard Policy, Co-payment is not applicable.

What is the Sub limit?

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 pay by the policyholder.

Status under New India Premier Medical Policy?

Applicable under New India Cancer Guard Policy.

Other Health Insurance Companies

Choose New India Assurance Health Insurance Plan for

New India Cancer Guard Policy Exclusions

Permanent diseases or health conditions that are not included under New India Cancer Guard Policy:

Any Treatment other than for Cancer.

Pre-Existing Condition for Cancer.

Cancer diagnosed/contracted by the Insured person during the first ninety days.

Plastic Surgery, cosmetic, aesthetic treatment.

Non Allopathic treatment

Rest Cure, Rehabilitation and Respite care

Palliative Care

Unproven/Experimental Treatment and pharmacological regimens

New India Cancer Guard Policy Benefits

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.

Find the details below:

Cancer Care Benefit

Cover yourself and your family against cancer

Second Opinion

Avail best medical advice

Cumulative Bonus

No-claim Bonus

Tax Benefits

Get tax relief under section 80D

Post-Treatment Benefit

Avail follow-up post treatment

Cancer Care Benefit

New India Cancer Guard Policy is designed to provide a financial cushion when availing treatments for cancer. New India Cancer Guard Policy will pay 50% of the Sum Insured as Critical Care Benefit in addition to the claim amount if the insured life is diagnosed with cancer is first time diagnosed for Cancer.

Second Opinion

Under New India Cancer Guard Policy policy holders can avail second medical opinion for surgery up to Rs. 5,000. The second medical opinion can be taken from any medical practitioner of the insurance holder’s choice and the policy will reimburse the consultation fee.

Cumulative Bonus

Individuals can avail a no-claim bonus under New India Cancer Guard Policy wherein the sum insured shall be increased by 10% at each renewal provided the insurance holder spends claim-free years of Insurance, to a maximum of 50% of the Sum Insured.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Post-Treatment Benefit

Individuals can avail post treatment follow up till up to Rs. 10,000.

New India Cancer Guard Policy Premium Illustration

To understand the premium payment structure for the New India Cancer Guard policy refer to the information given below:

Primary Member

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

Female

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
Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.