New India Assurance Critical Illness Plans

New India Cancer Guard Policy covers you and your family in case someone is infected with cancer. Along with in-patient expenses, the policy also covers outpatient expenses and daycare procedures. Every stage of cancer is covered under the New India Cancer Guard and both conventional and advanced treatments are covered such as chemotherapy, radiotherapy, proton treatment, organ transplant, stem cell translantation

The main features of the New India Cancer Guard Policy are as follows:

1. The policy can be purchased by an adult up to the age of 65 years
2. For children who are over the age of 3 months, the policy can be purchased by the parents/ guardians as long as the children are financially dependent, however, this age limit is not applied if the child is mentally challenged
3. Apart from yourself, you can cover your spouse, children, parents and wards. Each member will have a separate sum insured
4. If the policyholder is diagnosed with cancer during the 90-day waiting period, the premiums will be returned and the policy would be cancelled
5. The sum insured can be selected on the basis of the age of the insured. You can choose a sum insured that suits you the best:
   • Less than 50 years: INR 5 lakhs, 10 lakhs, 15 lakhs, 25 lakhs, 50 lakhs
   • 51 to 55 years: INR 5 lakhs, 10 lakhs, 15 lakhs
   • 56 years to 60 years: INR 5 lakhs and INR 10 lakhs
   • 61 to 65 years: INR 5 lakhs
6. There is no requirement of a pre-policy medical screening
7. For every claim-free year, your cumulative bonus shall be increased by 10% to a maximum of 50%
8. An ambulance charge of up to INR 3,000 per hospitalisation will be paid when shifting the insured member
9. You can increase the sum insured before paying your renewal premium with prior permission from the company.The enhancement can not be done if:
   • The insured is above 60 years
   • The insured has been diagnosed with cancer
10. The policy covers proton therapy
11. When you buy a new policy online or renew your policy online, you are eligible for a 10% discount
12. If you are advised to have surgery, you can get a second opinion from another doctor. For sum insured up to INR 15 lakhs the benefit would be covered till INR 5,000 and for sum insured 25 lakhs and 50 lakhs the benefit can be up to INR 10,000