New India Cancer Guard Health Insurance
Claim Settlement Ratio | 92.68% |
Network Hospitals | 7,500 |
PED Coverage Starting From | 4 years |
Pre-existing Disease Waiting Period | 4 years |
Starting Premium | 560 |
Starting Premium for Rs. 5 lakhs SI | Rs. 560/month |
About New India Cancer Guard Health Insurance
Cancer Guard Policy covers you for treatment of Cancer taken as in-patient, out-patient, or daycare. The policy covers people aged between 3 months and 65 years for several conventional and advanced treatments, some of which include radiotherapy, chemotherapy, organ transplant, proton treatment, personalised and targeted therapy, stem cell transplantation, etc. The policy comes with a wide range of sum insured options starting from Rs. 5 Lakh and going up till Rs. 50 Lakh that the insured can opt for as per the options available for his/her age. Also, to be covered under Cancer Guard Policy, there is no requirement to undergo any pre-policy medical check-up.
Apart from covering for treatments related to cancer, the policy offers you other benefits as well. These include cover for daycare procedures, emergency ambulance expenses, expenses incurred due to organ transplantation, second opinion for surgery, and pre-hospitalisation and post-hospitalisation expenses. Other policy benefits include free look period, tax benefits under Section 80D of the Income Tax Act, 1961, cashless as well as reimbursement facility, grace period, and sum insured enhancement at the time of renewal. In short, the policy provides comprehensive coverage and can prove to be a saviour in case of an emergency.
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Key Inclusions and Exclusions of the Plan
What's Included
- Emergency ambulance expenses for up to Rs. 3,000 per hospitalisation
- 58 daycare procedures
- Expenses arising due to organ transplant
- Second opinion for surgery for up to Rs. 5,000
- Post-treatment follow up expenses for up to Rs. 10,000
What's Not Included
- If Cancer is diagnosed during the initial 90 days of the policy term
- Any treatment other than Cancer
- Any pre-existing condition for Cancer
- Expenses related to non-allopathic treatment
- Admission required due to rest cure, rehabilitation, and respite care
9390 New India Cashless Network Hospitals in India
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FAQs on Cancer Guard Policy Health Insurance Plan
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What is the waiting period under Cancer Guard Policy?
Cancer Guard Policy comes with a waiting period of 90 days for cancer diagnosed/contracted by the insured person during the initial 90 days from the date of commencement of the policy.
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What are the cancer related treatments covered under Cancer Guard policy?
Cancer Guard Policy covers you for the following conventional and advanced treatments:
- Radiotherapy
- Chemotherapy
- Organ transplant, as part of treatment for Cancer
- Proton Treatment
- Personalised and Targeted therapy
- Bone marrow transplantation
- Immunotherapy including immunology agents
- Onco-surgery
- Stem cell transplantation
- Hormonal therapy or endocrine manipulation
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Which type of room am I covered for under Cancer Guard Policy?
Cancer Guard Policy covers you for a single AC room if a sum insured of Rs. 5 Lakh, Rs. 10 Lakh, or Rs. 15 Lakh is chosen. Whereas if you have chosen from sum insured options of Rs. 25 lakh or Rs. 50 Lakh, then you will be covered for deluxe room.
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Can I avail tax benefits on the premium paid for Cancer Guard Policy?
Yes. You can avail tax benefits on the premium paid for Cancer Guard Policy, under Section 80D of the Income Tax Act, 1961.