Network hospitals
3000+
Claim settlement ratio
92.93%
Sum insured
Up to 50 Lakh
No. of Plans
24
Solvency Ratio
1.34
Pan India Presence
2000
Network hospitals
3000+
Claim settlement ratio
92.93%
Sum insured
Up to 50 Lakh
No. of Plans
24
Solvency Ratio
1.34
Pan India Presence
2000
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.
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.
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
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
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
AYUSH Treatment
Not Covered
IVF Treatment
Not Available
Modern Treatment
Not Covered
Ambulance
Covered Up to Rs. 3,000
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Rs. 5,000
Vaccination
Not Covered
Co-payment
Not Applicable
Sub-limits
Available
SI OPTIONS: 25 L & 50 L
Room Rent
Covered Deluxe 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
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
AYUSH Treatment
Not Covered
IVF Treatment
Not Available
Modern Treatment
Not Covered
Ambulance
Covered Up to Rs. 3,000
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Rs. 10,000
Vaccination
Not Covered
Co-payment
Not Applicable
Sub-limits
Available
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:
Coverage status under New India Cancer Guard Policy?
Under New India Cancer Guard Policy Plan, the room rent is covered.
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.
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.
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.
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.
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.
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.
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.
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
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%.
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.
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
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.
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.
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:
Coverage status under New India Cancer Guard Policy?
Under New India Cancer Guard Policy the newborn baby cover is not available.
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under New India Cancer Guard Policy?
Under the New India Cancer Guard Policy, IVF treatment is not covered.
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.
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.
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.
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.
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.
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.
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
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
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.
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.
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.
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 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:
Cover yourself and your family against cancer
Avail best medical advice
No-claim Bonus
Get tax relief under section 80D
Avail follow-up post treatment
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.
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.
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.
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Individuals can avail post treatment follow up till up to Rs. 10,000.
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 |
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.
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