New India Cancer Guard Policy

Cancer is one of the deadly diseases that is responsible for many deaths across the country. On the other hand, everyone is not financially strong enough to bear the treatment of cancer. So, a health insurance plan for cancer would be the best option for you. You can take a look at the New India Cancer Guard Policy that offers you a Sum Assured of up to Rs.50 lacs. You will get the reimbursement for the room’s rent and ICU’s Rent if in case you are hospitalized due to cancer. There are various cancer treatments that are covered in this insurance plan. So, you must explore the key features of this health insurance plan.

Key Features of Cancer Guard Policy

1. The maximum age of entry in this insurance plan is 65 years.
2. You are allowed to take a Sum Assured of up to Rs.50 Lacs.
3. Ambulance Charges are covered in this insurance plan.
4. The company will reimburse the medical expenses for an organ transplant.
5. The day care procedures are covered for up to 58 days in this plan.
6. There are multiple cancer treatments that are covered in this plan.
7. Get tax Rebate under Section 80D of the Income Tax Act.

Benefits of Cancer Guard Plan

You must go through the benefits of this health insurance plan and see how it will protect you when you are diagnosed with cancer.

Room’s Rent Coverage

Following expenses will be covered if in case you are hospitalized due to cancer:-

1. Expenses for the Single AC Room if the amount of the Sum Assured is Rs.5 Lacs, Rs.10 Lacs, and Rs.15 Lacs.
2. Expenses for the Deluxe Room if the amount of the Sum Assured is Rs.25 Lacs and Rs.50 Lacs.

Cancer Care Benefit

The company will pay 50% of the Sum Assured as the critical care benefit as an addition if you are diagnosed with cancer for the first time and it is the Advanced Metastatic Cancer Stage 4.

Cancer Treatment Cover

The following treatments for cancer are covered in this plan:-

1. Chemotherapy
2. Radiotherapy
3. Organ Transplant
4. Onco-Surgery
5. Proton Treatment
6. Personalized and Targeted therapy
7. Hormonal Therapy or Endocrine Manipulation
8. Immunotherapy including immunology agents
9. Stern Cell Transplantation
10. Bone Marrow transplantation

Second Opinion Benefit

The company will pay you up to Rs.5000 in the New India Cancer Guard Policy if you consult another medical practitioner to seek advice. People usually prefer a second opinion if they are slightly unsatisfied with their current doctor. The second opinion benefit will be up to Rs.10000 if your Sum Assured is Rs.25 Lacs and Rs.50 Lacs.

Cumulative Bonus

You will get a cumulative bonus of 10% after every claim-free year and it will be added to the amount of the Sum Assured. The company will keep on adding the cumulative bonus to the Sum Assured after every claim-free year until it reaches 50% of the Sum Assured.

Ambulance Charges Cover

You will also get the reimbursement for the Ambulance Charges. The ambulance charges are covered up to Rs.3000 per hospitalization.

Organ Transplant Cover

If by any chance you have to go through an organ transplant surgery then it is also covered in this plan. The company will reimburse the expense incurred for an organ transplant.

No Medical Check-up

There is no need for any medical check-up in this insurance plan. You can take this plan without going through any health-check-up.

Eligibility Criteria for New India Cancer Guard Policy

Eligibility Criteria for the Sum Assured

1. If your age is 50 years and below then you are allowed to choose the sum assured of Rs.5 lacs, Rs.10 Lacs, Rs.15 lacs, Rs.25 Lacs, and Rs.50 Lacs.
2. If your age is between 51 years and 55 years below then you are allowed to choose the sum assured of Rs.5 lacs, Rs.10 Lacs, Rs.15 lacs.
3. You can choose a Sum Assured of Rs.5 Lacs, and Rs.10 Lacs if your age is between 56 years and 60 years.
4. A Sum Assured of only Rs.5 Lacs is allowed to the individuals having the age between 61 years and 65 years.

Exclusions of this Health Plan

1. Any Treatment other than for Cancer.
2. Pre-Existing Condition for Cancer.
3. Cancer diagnosed/contracted by the Insured person during the first ninety days.
4. Plastic Surgery, cosmetic, aesthetic treatment.
5. Non Allopathic treatment
6. Rest Cure, Rehabilitation and Respite care
7. Palliative Care
8. Unproven/Experimental Treatment and pharmacological regimens