New India Cancer Guard Policy

Who Can Take New India Assurance Cancer Guard Policy?

• The Proposer for this Insurance should be between the age of 18 years and 65 years.
• Children above the age of 3 months can be covered by the parents / guardians provided they are financially dependent on the parents / guardians. On ceasing to be financially dependent on the parents / guardians, they can take a separate Policy on renewal. In such an event the benefits on Continuous Coverage can be ported to the new Policy. This limit will not apply to a mentally challenged children.
• The persons beyond 65 years can continue their Insurance provided they are Insured under the Policy with us without any break.
• Midterm inclusion is not allowed. Newly married spouse can be added only at the time of renewal.
• The members of the family who could be covered under the Policy are:
  • Proposer
  • Spouse
  • Children
  • Parents
  • Ward

(Each Insured Person shall be covered with separate Sum Insured)

Sum Insured Options

Sum Insured option available for this policy are Rs. 5, 10, 15, 25 & 50 Lakhs. The Premium You pay depends upon Your Age and the Sum Insured chosen. The eligibility of the Sum Insured is based on your age when you choose to buy your first Policy as below:

AGE ELIGIBLE	SUM INSURED
<= 50 years	Rs. 5, 10, 15, 25 & 50 lakhs
51 - 55 Years	Rs. 5 , 10 & 15 lakhs
56 - 60 Years	Rs. 5 & 10 lakhs
61 - 65 Years	Rs. 5 lakhs

Once you have been issued a Policy, you can continue to renew it with the same Sum Insured.

Coverages of New India Assurance Cancer Guard Policy

Exclusions under New India Assurance Cancer Guard Policy

• Any Treatment other than for Cancer.
• Pre-Existing Condition for Cancer for which Insured Person had signs or symptoms, and/or was diagnosed, and/or received medical advice / treatment prior to the first policy issued by Us (as mentioned in the Schedule).
• Cancer diagnosed/contracted by the Insured person during the first ninety days of the commencement date of first Policy.
• Any treatment directly or indirectly caused by or arising from or attributable to War, invasion, Act of Foreign enemy, War like operations (whether war be declared or not), nuclear weapon / ionising radiation, contamination by Radioactive material, nuclear fuel or nuclear waste or from the combustion of nuclear fuel.
• Plastic Surgery, cosmetic, aesthetic treatment.
• Cost of external prosthetic devices, non-durable implants, external medical equipment.
• Dental treatment or Surgery of any kind unless necessitated due to treatment of Cancer.aposi Sarcoma.
• Charges incurred at Hospital primarily for diagnosis, x-ray or Laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive existence or presence of Cancer for which confinement is required at a Hospital.
• Expenses on vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner.
• Non Allopathic treatment.
• Any expenses relating to cost of items detailed in Annexure II.
• Unproven/Experimental Treatment and pharmacological regimens.
• Any kind of Service charges, Surcharges, Luxury Tax and similar charges levied by the Hospital.
• Treatment including investigation / diagnostic services availed outside India.
• Rest Cure, Rehabilitation and Respite care.
• Any services for people who are terminally ill to address medical, physical, social, emotional and spiritual needs.
• Treatments rendered by a Medical Practitioner, who is a member of the Insured Person’s family or stays with him, however proven material costs are eligible for reimbursement in accordance with the applicable cover
• Any treatment or part of a treatment that is not of a reasonable charge, not Medically Necessary; drugs or treatments that are not supported by treating doctor’s prescription.
• Charges related to a Hospital stay not expressly mentioned as being covered in this Policy, including but not limited to charges for admission, discharge, administration, registration, documentation and filing.
• Any non-medical expenses mentioned on our website and or attached with this policy

Disclaimer: “For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”