Cancer Guard is a Policy designed to cover treatment for Cancer taken as Inpatient or Outpatient or Day Care. This Policy is designed to give You, protection against unforeseen expenses towards treatment of Cancer.
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 |
The policy shall cover treatment for Cancer taken as Inpatient or Outpatient or Day Care. Following Conventional and Advanced Treatment shall be covered in the Policy:
Yes. You may seek enhancement of Sum Insured in writing before payment of premium forrenewal, which may be granted subject to the underwriting guidelines. Before granting suchrequest for enhancement of Sum Insured, We have the right to have You examined by aMedical Practitioner authorized by Us or the TPA. Our consent for enhancement of SumInsured is dependent on the recommendation of the Medical Practitioner.
No. Once the Insured Person is diagnosed for positive existence of Cancer, the claims forOutpatient, Inpatient and Daycare towards the treatment of Cancer is payable under thePolicy.
The Policy pays where the Hospitalisation is for more than twenty four hours. But for certaintreatments specified in the Policy, period of stay at the Hospital could be less than twentyfour hours.
Yes. Relevant medical expenses, towards treatment of Cancer, incurred before admission inthe Hospital for a period of THIRTY (30) days prior to the date of admission under Pre Hospitalisation Medical Expenses and those incurred after Discharge from the Hospital for a period of SIXTY (60) days after the date of discharge are payable are payable under Post Hospital Medical Expenses.
Yes, the Policy covers treatment and/or services rendered anywhere in India.
For each Claim free year, Your Sum Insured will be increased by 10%, subject to maximum of50%. If you lodge a claim in any particular year; the cumulative bonus accrued shall bereduced at the same rate.Cumulative bonus will be lost if policy is not renewed before or within 30 days from the dateof expiry of Policy.
If you choose to reduce the Sum Insured under the policy at the time of renewal, the applicable Cumulative Bonus shall also be reduced in the same proportion.
Yes. If Your Policy is renewed within thirty days of the expiry of the previous Policy, then theContinuity Benefits would not be affected. But even if You renew Your Policy within thirty (30) days of expiry of previous Policy, any Cancer contracted or treatment commencing duringthe break in insurance is not covered. Therefore it is in Your own interest to see that Yourenew the Policy before it expires.
No. Your Policy can be renewed, as long as You pay the Renewal Premium before the dateof expiry of the Policy or within grace period. There is an age limit for taking a fresh Policy,but there is no age limit for renewal. However, if You do not renew Your Policy before thedate of expiry or within grace period, the Policy may not be renewed, and only a fresh Policycould be issued, subject to Our underwriting rules. In such cases, it is possible that a freshPolicy could not be issued by Us. It is therefore in Your interest to ensure that Your Policy isrenewed before expiry.
Review New India Assurance Cancer Guard Policy Customer Information Sheet to understand coverage details.
Know more »Review New India Assurance Cancer Guard Policy wordings which explains the terms and conditions.
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