How does the waiting period affect my coverage?

The New India Cancer Guard Policy has a waiting period before covering cancer treatments, ensuring fair risk distribution and policy sustainability.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made, the policy remains active, and you continue receiving coverage benefits without additional bonuses or changes.

Does the New India Cancer Guard plan cover treatment abroad?

The New India Cancer Guard Policy primarily covers cancer treatment within India and does not provide international medical coverage.

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New India Assurance

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New India Assurance Cancer Guard Policy

Experience India's most trusted health insurance with New India Assurance Health Insurance. Get instant cashless treatment at 9480 network hospitals with sum insured up to ₹50 lakhs.

92.9

Claim Settlement Ratio

9480

Network Hospitals

7.3

Customer Rating

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92.9

Claim Settlement Ratio

9480

Network Hospitals

7.3

Customer Rating

Our Verdict

Expert Review: New India Assurance Health Insurance

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Final Verdict

The New India Cancer Guard Policy is ideal for individuals seeking extensive cancer coverage, offering extensive coverage for cancer treatment, including hospitalization, chemotherapy, and immunotherapy. It offers high sum insured options, no room rent capping, and home care benefits, but may not cover non-cancer treatments. Best for those prioritizing comprehensive cancer care.

About

About New India Assurance Health Insurance

The New India Cancer Guard Policy is a specialized health insurance plan designed to provide financial support for cancer treatment at all stages. It covers hospitalization, chemotherapy, radiation, immunotherapy, and other advanced treatments. The policy offers high sum insured options, ensuring comprehensive coverage for expensive cancer care. With no room rent capping and broad treatment coverage, it helps policyholders focus on recovery without financial stress. It also includes pre- and post-hospitalization expenses, making it a well-rounded choice for cancer care.

The New India Cancer Guard Policy is a specialized health insurance plan designed to provide financial support for cancer treatment at all stages. It covers hospitalization, chemotherapy, radiation, immunotherapy, and other advanced treatments. The policy offers high sum insured options, ensuring comprehensive coverage for expensive cancer care. With no room rent capping and broad treatment coverage, it helps policyholders focus on recovery without financial stress. It also includes pre- and post-hospitalization expenses, making it a...

Inclusions and Exclusions

Inclusions and Exclusions of New India Assurance Insurance Company Limited

Cashless Healthcare Providers

Access to an extensive network of over 5,000+ hospitals across India for cashless treatment.

Room Rent

The New India Cancer Guard Policy does not impose any specific room rent or ICU limit. Policyholders can choose any hospital room, including ICU, without additional capping.

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

Co-payment

The New India Cancer Guard Policy does not have a mandatory copayment clause, ensuring full coverage for eligible cancer treatments without requiring the policyholder to bear a percentage of the claim amount.

Waiting Period

A waiting period of 90 days from the policy start date, during which no claims are accepted.
Pre-existing cancer conditions are covered only after a 48-month waiting period.

Daycare Treatment

The New India Cancer Guard Policy covers daycare treatments specifically related to cancer care, including chemotherapy, radiotherapy, immunotherapy, targeted therapy, and hormone therapy. These treatments do not require 24-hour hospitalization and are covered under the policy as per terms and conditions.

AYUSH Treatment

Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Cashless Healthcare Providers

Access to an extensive network of over 5,000+ hospitals across India for cashless treatment.

Room Rent

The New India Cancer Guard Policy does not impose any specific room rent or ICU limit. Policyholders can choose any hospital room, including ICU, without additional capping.

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

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Exclusions

Pre-existing cancer conditions diagnosed before policy inception.
Any illness or treatment not related to cancer.
Treatment outside the policy's coverage jurisdiction.
Cosmetic or reconstructive surgery unless medically necessary.
Experimental or unproven cancer treatments.
Dietary supplements and non-prescribed medications.
Dietary supplements and non-prescribed medications.
Hospitalization primarily for rest, rehabilitation, or general wellness.

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About the company

New India Assurance is one of India’s oldest and most trusted insurance companies. It was founded in 1919 and has grown into a large public sector company with a strong presence across India and overseas. The company offers a wide range of insurance products, including health, motor, travel, and home insurance, but health insurance is one of its key areas. New India Health Insurance focuses on protecting individuals and families from medical expenses. They provide policies that cover hospitalisation, surgeries, pre- and post-hospitalisation costs, organ transplants, alternative treatments like AYUSH, and critical illnesses. The plans are designed for all age groups, from children to senior citizens, and include features like cumulative bonus, hospital cash, and optional covers to meet different needs. The company is known...

New India Assurance is one of India’s oldest and most trusted insurance companies. It was founded in 1919 and has grown into a large public sector company with a strong presence across India and overseas. The company offers a wide range of insurance products, including health, motor, travel, and home insurance, but health insurance is one of its key areas. New India Health Insurance focuses on protecting individuals and families from medical expenses. They provide...