New India Assurance Cancer Guard Policy

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      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.

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      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


      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 TreatmentExpenses 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


      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. 


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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:-

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

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