New India Cancer Guard Policy

New India Cancer Guard Policy is a specialized health insurance plan designed to provide financial protection against the treatment expenses arising from Cancer. The policy covers both conventional and advanced cancer treatments, including hospitalization, daycare procedures, outpatient treatment, and follow-up care. :contentReference[oaicite:0]{index=0}

Key Features

• Specialized Insurance Cover for Cancer Treatment
• Entry Age: 3 Months to 65 Years
• No Pre-Acceptance Medical Check-up Required
• Coverage for Conventional and Advanced Cancer Treatments
• Cancer Care Benefit for Stage IV Cancer
• Cashless Hospitalization Facility
• Coverage for Organ Transplant Expenses
• Cumulative Bonus up to 50%

Eligibility

Sum Insured Options

• ₹5 Lakhs
• ₹10 Lakhs
• ₹15 Lakhs
• ₹25 Lakhs
• ₹50 Lakhs

Eligible Sum Insured by Age at Entry

Treatments Covered

• Chemotherapy
• Radiotherapy
• Cancer Surgery (Onco Surgery)
• Organ Transplant
• Stem Cell Transplantation
• Bone Marrow Transplantation
• Proton Therapy
• Targeted Therapy
• Hormonal Therapy
• Immunotherapy

Hospital Room Eligibility

Cancer Care Benefit

If an insured person is diagnosed for the first time with Advanced Metastatic Cancer (Stage IV), the policy pays an additional benefit equal to 50% of the Sum Insured over and above the admissible claim amount.

Additional Benefits

• Post Treatment Follow-up Expenses up to ₹10,000 per policy year.
• Second Opinion Benefit up to ₹5,000.
• Reconstruction Surgery after Cancer Treatment.
• Ambulance Charges up to ₹3,000 per hospitalization.
• Organ Donor Medical Expenses Covered.
• 58 Day Care Procedures Covered.

Cumulative Bonus

The Sum Insured increases by 10% for every claim-free year, subject to a maximum cumulative bonus of 50% of the Sum Insured.

Waiting Period

Major Exclusions

• Treatment other than Cancer.
• Pre-existing Cancer Conditions.
• Cancer diagnosed within the first 90 days.
• Cosmetic or Plastic Surgery.
• Experimental and Unproven Treatments.
• Rehabilitation and Respite Care.
• Treatment outside India.

Why Choose New India Cancer Guard?

• Dedicated Cancer-specific health insurance cover.
• Covers advanced and modern cancer treatments.
• Additional payout for Stage IV Cancer.
• No pre-policy medical examination.
• Affordable premium options with high coverage.

Disclaimer

The above information is for general reference only. Benefits, terms, conditions, waiting periods, and exclusions are subject to the latest policy wording issued by New India Assurance.