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.

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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

Explore other New India Health Plans

New India Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

New India Assurance Arogya Sanjeevani Policy

The plan covers you and your family against new age treatments, pre, and post-hospitalization, and hospital room rent charges.

Unique Features

  • Up to 10 Lakh SI
  • Genetic disorders Covered
  • Modern Treatments Covered

New India Jan Arogya Bima Policy

This policy is designed to provide cheap medical insurance to poorer sections of society with a sum insured per person of Rs. 5000.

Unique Features

  • Service Tax is not applicable
  • Avail cover for dependents
  • Psychological disorders covered

New India Janata Mediclaim Policy

This plan protects all family members with broad health insurance coverage. It covers self, spouse, and a maximum of 2 dependent children.

Unique Features

  • AYUSH treatment covered
  • ICU expenses covered
  • Ambulance charges covered

New India Flexi Floater Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expense covered
  • Room rent covered
  • Medical test expenses covered

New India Flexi Group Mediclaim Policy

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • Avail AYUSH treatment
  • Avail Cataract treatment

The policy comes with a SI of 2-15 lakhs with a single sum assured for all the members on a floater basis.

Unique Features

  • No claim bonus up to 50%
  • Avail New born baby cover
  • Criti-care benefit available

A family policy where the proposer can avail Sum Insured from Rs. 1,2, 3, 5, 8, 10, 12 and 15 Lakhs. Children can be covered under the policy from 3 months to 25 years.

Unique Features

  • Organ transplant covered
  • 139 day care procedures available
  • New born baby cover available

The plan comes in 2 different variants offering a sum assured up to 1 Cr. The policyholder can cover his/her entire family under one policy.

Unique Features

  • Critical illness covered
  • AYUSH treatment covered
  • AYUSH treatment covered

New India Standard Group Janata Mediclaim

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • AYUSH treatment covered
  • Cataract treatment covered

New India Standard Group Mediclaim Policy(2007)

Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependant parents.

Unique Features

  • ICU charged covered
  • Artificial life maintainance covered
  • AYUSH treatment covered

New India Universal Health Insurance Scheme

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • Disability cover
  • Psychological treatment covered
  • Artificial life maintainance available

New India Young India Digi Health Policy

Plan coverage is available on an individual and family floater basis with a sum insured of up to 8L.

Unique Features

  • Modern Treatment Available
  • AYUSH treatment available
  • New born baby cover available

This plan offers the policyholder sum insured of up to 50L. New India Yuva Bharat Policy is available in base, gold, and platinum variants.

Unique Features

  • Air Ambulance available
  • Critical illness covered
  • Infertility treatment covered

New India Group Cancer Mediclaim

The plan is specifically designed for lower and middle-class families undergoing Cancer Treatment.

Unique Features

  • Up to 2 Lakh SI
  • Avail Cumulative Bonus
  • Cover dependent children

New India Corona Kavach Policy

This plan covers hospitalization expenses if the insured is diagnosed with COVID-19. It is available on an individual and floater basis with a maximum sum of INR 5 lakh.

Unique Features

  • Home care treatment covered
  • Avail special discounts
  • Ambulance charges covered

New India Group Mediclaim for workers

Hospitalization expenses for any illness or injury. Ideal for those who want to cover their children and dependent parents.

Unique Features

  • AYUSH Treatment available
  • Avail ICU expenses
  • Affordable premiums available

A special policy designed for parents with girl children only. Two dependent daughters can be covered with Rs. 8 Lakh sum insured.

Unique Features

  • Avail 50% discount
  • Hospital Cash available
  • Avail AYUSH treatment

A plan designed for individuals between 60-80 years of age and offers 5% discount for single women senior citizen's. Gives sum insured up to 5 Lakhs.

Unique Features

  • Avail discounts
  • Medical check up reimbursement
  • Avail Ambulance charges

New India TOP-UP Mediclaim policy covers hospitalization expenses once your policy crosses it’s threshold limit. It can cover up to 6 family members.

Unique Features

  • SI up to 22L available
  • Avail Cataract treatment
  • AYUSH expenses covered

The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

Unique Features

  • ICU expenses covered
  • AYUSH treatment available
  • Mental illness expenses covered

New India Tertiary Care Insurance

An individual plan that is specifically designed to cover the treatment of 9 major illnesses.

Unique Features

  • Domiciliary treatment available
  • Ambulance expense covered
  • Avail No claim bonus

New India Cancer Guard Policy:FAQs

1. If already diagnosed with cancer, can individuals buy New India Cancer Guard Policy?

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.

2. What are the insurance amount options under the New India Cancer Guard Policy?

The insurance amount options available under the New India Cancer Guard policy are 5 lakh, 10 lakh, 15 lakh, 25 lakh and 50 lakh

3. What is the Cancer Care Benefit under New India Cancer Guard Policy?

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.

4. Is a pre-policy medical check-up required to invest in a New India Cancer Guard policy?

There is no need for a pre-policy medical check-up to invest in a policy under the New India Cancer Guard policy.

5. Is a no-claim bonus available 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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Nishant

Lukhnow

December 9, 2022

Omg when i was buying the policies I was o skeptical. I contacted policyx and they solved my confusions and even helped in my documentations.. They are the best .

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Ram Kapoor

Jaipur

September 8, 2021

I would definitely recommend New India Health insurance to everyone. Great customer support team, very helpful.

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Lovlina chaurasiya

Allahabad

September 8, 2021

One of the best health insurance company. Impressed with the service and the support. Keep up the good work guys.

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Nikita Dua

Jaipur

September 8, 2021

The company is offering very good plans at affordable prices, and the claim settlement process is very hassle free and quick.

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Bharti sharma

Lukhnow

September 8, 2021

I really like the customer support department of the company very much, the staff is very polite and very helpful

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Manish Singhal

Rajkot

September 1, 2021

Best plans with good service, committed towards their customer, great customer support team. thanks New India

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Akash Sharma

Ahmedabad

September 1, 2021

Plans bahut ache hai is company ke.. bahut achi service hai aur apke customers ke claims bhi jaldi settle karti hai.

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Karishma Sehgal

Hyderabad

August 31, 2021

Bought health policy from New India Health for the first time and I am very impressed by their services and I personally suggest to take the policy from New Health Assurance

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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.