Cancer Guard Policy vs Activ Health Platinum Essential Policy Health Insurance Plan 2026 | PolicyX

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New India Cancer Guard Policy by New India Assurance is a health insurance plan that provides a financial cushion for expensive cancer treatments. The New India Cancer Guard Policy can be availed by individuals from 3 months to 65 years of age.

The plan covers important treatments such as chemotherapy, radiotherapy, organ transplant, onco-surgery, and more. With a sum insured ranging 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 help individuals avail an effective course of treatment for such a major illness.

Along with these features, the New India Cancer Guard Policy offers coverage for over 58 day care procedures, ambulance cover, major discounts, and other benefits.

PLAN DETAILS

Cancer Guard Policy

Activ Health Platinum Essential Policy

Product Type Critical Illness Health Insurance Individual and Family Health Insurance
Key Features
(Key features of the plan)
  • Ambulance Cover
  • Day Care Covered
  • Cancer Care Benefit
  • Chronic Management Care
  • Wellness Benefits
  • COVID-19 Cover
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Covered Not Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not Covered Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered Covered
Post-hospitalization
(Expenses after discharge from the hospital)
Covered Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered Covered
Hospital_network
(Number of Hospital Network in city)
3000 12900
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered Not Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Covered Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Covered Not Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Not Covered Covered
Plan Entry Age 3 months to 65 Years Minimum: 91 days, Maximum: No limit
Plan Premium Entry Age and S/A 929 5,579
Plan Waiting Period 90 30 days
Plan Coverage - Individual/ Family Floater
Plan Sample Premium 929 Rs 5,579
Plan Brochure Brochure URL Brochure URL
Policy Term 1,2,3 Years 1/2/3 Years
ICU Charges Covered Covered
Covid-19 Treatment Covered Covered
Cataract Covered Covered
Automatic Restoration Not Covered Not Covered
Ayush Treatment Covered Covered
Modern Treatment Not Covered Covered
E Consultation Not Covered Not Covered
Air Ambulance Not Covered Not Covered
Global Coverage Not Covered Not Covered
Claim Ratio 90.73 96
Solvency Ratio 1.91 1.88
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