New India Assurance Critical Illness Policy

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      New India Assurance Critical Illness Policy

      There is no warning when it comes to critical illnesses and if someone is diagnosed with a critical illness, its treatment would cost a fortune. That’s why it becomes essential to get a critical illness policy in India. A critical illness plan is designed to cover the insured against life-threatening/critical diseases including cancer, heart attack, kidney failure, stroke, etc. New India Assurance Company has designed its critical illness plans to provide critical illness cover with the sum insured up to Rs 15 lakh and Cancer cover up to Rs 50 lakh.

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      New India Health Insurance at a Glance:

      Key Features

      Highlights

      Network Hospitals

      1200+

      Incurred Claim Ratio

      103.19

      Renewability

      Lifelong

      Waiting Period

      4 years

      1. New India Floater Mediclaim Policy

      If an insured person gets diagnosed with a critical illness during the policy term the insurer pays off 10% of the sum insured as an extra benefit in addition to the admissible claim. Check out the critical illness list under this plan:

      • Cancer
      • Open chest CABG
      • Heart attack of listed severity
      • Coma
      • Paralysis of limbs ( permanent)
      • Open Heart replacement
      • Major organ/bone marrow transplant
      • Kidney failure leading to dialysis
      • Stroke
      • Motor neurone disease
      • Multiple sclerosis

      The coverage benefits will be provided for hospitalization of more than 24 hours.

      2. New India Cancer Mediclaim Policy

      This critical illness policy by New India Assurance health insurance offers health cover for Cancer treatment. Any person who ages lesser than 70 years who have not been diagnosed with cancer or is not a possible cancer case can get insured under this critical illness plan. The insurer pays for various malignant conditions such as:

      • Malignant neoplasm of pharynx/ buccal cavity
      • Peritoneum and malignant neoplasm of digestive organs  
      • Malignant Neoplasm of breast/respiratory system/skin/bone/connective tissue

      The policy shall cover expenses incurred on Cancer treatment including inpatient/outpatient and daycare procedures. The policy shall cover the following conventional and advanced treatment costs as a part of the treatment:

      1. Radiotherapy

      2. Chemotherapy

      3. Proton Treatment

      4. Organ transplant required for Cancer treatment

      5. Onco-surgery

      6. Personalized/targeted therapy

      7. Hormonal Therapy

      8. Stem cell transplantation

      9. Immunotherapy

      10. Bone marrow transplantation

      Terms and Conditions

      If during the policy period, any Insured Person is diagnosed with Cancer for the first time and is in Stage IV or Advanced Metastatic Cancer, the New India Assurance Co. Ltd. will pay off 50% of the sum insured as Critical Care Benefit in addition to the permissible claim amount.

      The insured gets Cancer Care Benefit only once in the life during the policy term. Those with pre-existing diseases cannot get covered under this critical illness policy. Each payment made under this clause would be in addition to the policy coverage amount.

      To have a better understanding of critical illness cover you can speak to our medical insurance experts at 1800-208-8787 or write to us at care@policybazaar.com. We will get in touch with you and help you choose the right health insurance policy in India.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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:- http://bit.ly/3J20bXZ

      ##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.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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