New India Assurance Cancer Guard Policy

New India Assurance Cancer Guard Policy can be considered as one of the known health insurance policies offered by The New India Assurance Co. Ltd. This policy includes conventional treatments like- Chemotherapy, Radiotherapy, Organ Transplant, Onco-Surgery.

This policy ensures that the policyholder of the New India Assurance Cancer Guard Policy will be open to all the benefits. This policy provides comprehensive coverage, for example: Ambulance fees, hospitalalisarion expenses etc. This policy can act as a saviour in the hour of emergency.

New India Assurance Cancer Guard Policy: Key Highlights

Coverage type	Individual
Sum Insured	Rs 5L, 10L, 15L, 25L & 50L
Entry Age	3 Months to 65 Years
Room rent, Boarding, Nursing	SI for 5L, 10L, 15L Single room
Room rent, Boarding, Nursing	SI for 25L & 50L Deluxe room
Waiting Period	3 Months

Coverage Offered

Individual who intend to buy New India Assurance Cancer Guard Policy can apply for an individual cover.

The primary coverage offered up to the sum insured limit for the plan is as follows:

Major Cancer Treatments and Procedures covered-It covers Conventional Treatments like Chemotherapy, Organ Transplant, Radiotherapy, Onco-surgery. It also covers Advanced Treatments like Proton treatment, immunotherapy and Stem cell and bone marrow transplantation.
In-patient Treatment–Expenses for room rent, boarding, nurse expenses, second opinion for surgeries, ambulance prices (up to 3,000 per hospital) are covered.
Pre-hospitalization Cover- This policy offers a waiting period of 90 days. In this period, If the individual has been diagnosed with cancer, the premiums are reimbursed, and the policy gets canceled. But, in case of renewal, this is not applicable.
Post- hospitalization Cover- Includes post-surgery reconstruction of the affected body part till it attends the essential physical functioning. A posting period follows up of up to Rs 10,000 will be paid once in the period of insurance.
Daycare Treatment- 58 daycare procedures are covered in the policy.
Restoration of Sum Insured- The sum insured under the policy will increase by 10% with each renewal. This is in respect of each free claim year of insurance, which is subjected to a maximum of 50% of the Sum policyholder insures.

Inclusions of the Plan

Individuals willing to buy New India Assurance Cancer Guard Policy can go through the following features and benefits of the New India Cancer Guard Policy:

Emergency Ambulance Charges- Emergency Ambulance charges are also payable up to Rs 3,000 as per hospitalization in the policy.

Critical Illness Benefit- Cancer has no exact date of cure. Thus the policy covers any post-treatment follow-up or the reconstruction of any affected body part. It includes the following:

Any stage of cancer
Bone marrow transplantation
Immunotherapy
Proton Treatment
Stem cell transplantation
Hormonal Therapy
Personalized Therapy
Endocrine Manipulation
Targeted Therapy

Online New India Cancer Guard Policy details are provided on the insurer’s website.

Exclusions of the Plan

New India Assurance Cancer Guard Policy does not provide coverage for the following:

Any other treatment other than cancer
Any pre-existing condition that could lead to cancer
If the individual is diagnosed or contracted with cancer in the initial 90 days
Plastic & Cosmetic or Aesthetic Surgery
Any non-allopathic treatment
Palliative Care
Rest cure or Rehabilitation or Respite care for the individual
Experimental or unproven treatment
Pharmacological regimes

For a complete study of plan exclusions, visit insurer’s website

Features & Benefits of the New India Cancer Guard Health Insurance Policy

Some of the feature and benefits offered by New India Cancer Guard Health Insurance Policy are listed below:

A 90-days waiting period is applicable.
A critical care benefit of 50% of the sum insured is paid along with the acceptable claimed amount.
If any insured person is diagnosed with first-time cancer during the period of insurance, and it is in Advanced Metastatic Cancer or Stage IV cancer, the same amount is paid.
Organ donor coverage up to sum insured amount is provided.
An amount up to Rs 5,000 is payable to seek advice for surgery from another Medical Practitioner.
This premium paid under this policy is eligible for tax rebate under section 80D of the Income Tax Act 1961.

Eligibility Criteria

The minimum eligibility terms to avail this policy are listed below:

Minimum Entry Age	3 Months
Maximum Entry Age	65 years
Number of people covered	Individual
Residential Status	Indian Citizens and Residents

Cancellation Terms of the Policy

The only rule applicable for cancellation under the New India Cancer Guard Policy New India Cancer Guard Policy is:

If the individual is diagnosed or contracted with Cancer during the waiting period of 90 days, the premium amount is returned, and the policy is canceled.

FAQs

Q. When can you intimate the claim under the policy?

Ans: Policyholder can intimate the claim under the policy within 72 hours or 3 days from the time of hospitalization.
Q. What documents does one need to submit to the TPA?

Ans: Policyholder needs to submit the following documents in case of a claim:

a completed claim form, Discharge certificate, Receipts and pathological test reports, Surgeon's signed certificate stating the nature of the operation, a copy of PAN Card and NEFT Details.
Q. Is treatment taken in Out Patient Department considered?

Ans: Yes, OPD treatment is considered.
Q. Is there any savings offered under the policy?

Ans: There is a 10% digital savings available for both new and renewal of policies.
Q. Is a pre-policy medical check-up is required?

Ans: No, there is no need for any such test.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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