New India Health Insurance Cancer Mediclaim Policy

Cancer Mediclaim Policy
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About New India Health Insurance Cancer Mediclaim Policy

Expenses related to sudden medical contingencies can easily drain your entire savings. The medical procedures and treatments for cancer are mostly out of the range of a common man. Therefore, a health insurance policy like New India Assurance Cancer Mediclaim Policy is the best way out to get the right and advanced treatment for yourself or your loved ones during those tough times. New India Cancer Mediclaim Policy is offered to the members of the Indian Cancer Society, which came into effect from July 1985.

The Society offers various kinds of membership to its members, for instance, membership to life members, corporate members, well-wisher ordinary members, etc. Anyone who is aged below 70 years and is not a Cancer patient or a potential Cancer case can seek membership of the society. The policy provides several coverage benefits to the policyholders. Some of them are-room and boarding charges, including registration and admission fees as provided by the hospital; Ayurvedic/Homeopathic mode of treatment; cover for ambulance services; and so on.

Key Inclusions and Exclusions of the Plan

What's Included

  • Nursing expenses
  • Allopathic treatment
  • Emergency ambulance expenses
  • Anaesthetist, Consultant, Surgeon, Medical Practitioner’s fees
  • Blood, oxygen, anaesthesia, OT charges, surgical appliances cost, etc.

What's Not Included

  • Fraudulent claims
  • Naturopathy treatment
  • Cancer treatment within 3 months from the inception of the policy
  • Any sexually transmitted disease
  • Any injury contributed by nuclear weapons, war, etc.

  • Got treated timely

    Because of cancer mediclaim policy, i was able to get treated timely with best quality facilities. It covers nursing expenses, allopathic treatment, e...

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    A
    Atul Kharbanda
    On: Feb 25, 2020 | Views
  • Liked this plan!

    I liked this plan and brought from insurancedekho last week. If you are not satisfied with its coverage features or premium, then you can also look fo...

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    R
    Rajiv Ranjan
    On: Feb 25, 2020 | Views
  • Can give it a try

    Cancer plans are not very commonly offered by health insurance plans. And hence when i read abt this plan on the website of insurancedekho, i got conv...

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    A
    Amar Sain
    On: Feb 12, 2020 | Views
  • Choose insurancedekho

    I have purchased  health insurance plan for my family earlier from an agent and i must say that buying policies online is much better than t...

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    S
    Sanjay
    On: Feb 12, 2020 | Views
  • Secured payment gateway!

    Cancer Mediclaim policy is a unique plan offered by new India assurance. The company is good and offers many benefits to me under this plan. For insta...

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    Y
    Yogendra Sinha
    On: Feb 03, 2020 | Views
  • Nice plan.. Go for it

    If you are looking for a good cancer health insurance plan, then you should get in touch with the customer care executives at insurancedekho. They wil...

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    J
    Japneet Kaur
    On: Feb 03, 2020 | Views
  • Secured payment gateway

    I was a bit hesitant in buying health insurance policy online as i was used to agents selling it to me who handled all the documentation etc. But the ...

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    C
    Chandan Kumar
    On: Jan 15, 2020 | Views
  • good health insurance broker

    Insurancedekho as a great team of people who help you find the right product according to your requirements. I had low budget and i thought i wont be ...

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    M
    Mohit Sharma
    On: Jan 15, 2020 | Views
  • Buying process smooth enough

    I was clueless about the benefits offered under this policy .. but the sales person in insurancedekho helped me understand the pros and cons of buying...

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    R
    Rituparna sen
    On: Dec 27, 2019 | Views
  • Easy cashless treatment

    The team at insurancedekho helped me get treatment without paying any cash. Nobody thinks that he or she could face any severe disease in life but the...

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    S
    Shonali Basu
    On: Dec 27, 2019 | Views
  • Full marks for responsiveness

    The customer care executive at insurancedekho which handled my grievances was very reliable. I dont remember the name but i give him full marks for re...

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    J
    Joy Banerjee
    On: Dec 27, 2019 | Views
  • Great options to choose from

    Insurancedekho has a lot of options and they suggest you the best plan according to your requirements. I chose cancer mediclaim policy because of many...

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    P
    Pankaj Garg
    On: Dec 12, 2019 | Views
  • Smooth process..

    Insurancedekho’s buying process is really smooth. I called them for a cancer plans and they explained me all the ones they had with maximum bene...

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    R
    Roohi Kumari
    On: Dec 12, 2019 | Views
  • Buy this.. You’ll have no regret

    This is one of the best plans that I've come across in the market as per my needs. Before buying this i had researched a lot abt what other simila...

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    G
    Gaurav madhavan
    On: Dec 03, 2019 | Views
  • I am happy with my decision of buying it.

    What else one can ask for in a health insurance plan when he or she is getting low premium, Wide coverage and good sum insured?  I got all of it...

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    R
    Rajiv Bhatia
    On: Dec 03, 2019 | Views
  • Covered my expenses..nice plan

    It is all because of the knowledgeable customer care executives at insurancedekho who not only suggested me a helpful plan but also helped me in purch...

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    s
    sadanand chikhale
    On: Nov 22, 2019 | Views
  • Good one..

    Cancer mediclaim policy i brought from insurancedekho after my friend recommended this to me. It covers nusring expenses, allopathic treatment, cost o...

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    R
    RISHi Kumar Singh
    On: Nov 22, 2019 | Views
  • Good coverage..!!

    I got this plan for my wife as was in need. I got the insurance papers and e card from the insuranedekho’s team on time and didn’t face an...

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    m
    mohammad salim khan
    On: Nov 13, 2019 | Views
  • Good plan wth many benefits

    This is my first health insurance plan from new india and i’ve received many benefits under this plan. These are-cover for nursing expenses, ana...

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    S
    Sakharam Sawant
    On: Nov 13, 2019 | Views
  • Excellent services,, strict timelines..

    Flawless services from insurancedekho’s team. Also, iam a big fan of new india assurance when it comes to buying health insurance plans. My aunt...

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    U
    Uchhabraj
    On: Nov 04, 2019 | Views
  • Its good

    Earlier i was covered under cancer plan of some other insurer and was not really satisfied so decided to port last month. I got it port to new india&r...

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    R
    Reetuparna Maity
    On: Nov 04, 2019 | Views
  • Good plan but can add more benefits

    I am a member of indian cancer society and brought this policy for myself at low premium from insurance dekho. I was satisfied with my policy but now ...

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    K
    Kumar Abhishek
    On: Oct 23, 2019 | Views
  • Services of insurancedekho are good

    Insurancedekho offers good services and i got convinced with the policy they helped me buy for cancer. There are very less critical illness products i...

    Read More
    S
    Sangeeta Kumari
    On: Oct 23, 2019 | Views
  • One of the best cancer plans in India

    There are very less good cancer health insurance plans in the market andnew India’s cancer mediclaim policy is one of them. I can say this becau...

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    p
    pradeep kumar yadav
    On: Oct 10, 2019 | Views
  • Lot of coverage features

    I am covered under Cancer Mediclaim Policy of New India Assurance since a few months now. The company is giving me benefits like nursing expenses, all...

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    S
    Shahrukh khan
    On: Oct 10, 2019 | Views
  • Good plan..affordable premiums too

    Since long I was searching for a good health insurance plans that is specifically designed for cancer patients. And then I got to know about Cancer me...

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    A
    Anup Karmakar
    On: Sep 26, 2019 | Views
  • Plan is good

    I would like to get cover for naturopathy treatment as well under the cancer mediclaim policy. Otherwise, the plan is good. Can go for it if you want ...

    Read More
    D
    DIVYA DIVAKAR
    On: Sep 26, 2019 | Views

Expert Review for New India Assurance Cancer Mediclaim Policy

  • Expert Review

    Cancer is a life-threatening disease. Its treatment can take a toll on your savings. The expenses incurred on the medical procedures for cancer can cost an arm and a leg. So, having cancer insurance is worth if you have a risk of developing the disease. In that situation, you can’t rely on your basic health plan. The good thing is that the Cancer Mediclaim Policy designed by New India Assurance is a policy suited for those with risks of developing this disease.

    This policy provides financial aid if you’re diagnosed with cancer and covers cancer-related treatment, including radiation therapy, surgery, chemotherapy, nursing care, blood transfusion and the cost of prescribed medicines, thereby saving you from making a dent in your savings. A thoughtfully designed product, Cancer Mediclaim Policy gets you and your loved ones world-class treatment during those tough times without any financial worry. The policy is available for the members of the Indian Cancer Society. 

  • Major Attractions

    New India’s Cancer Mediclaim Policy offers benefits to the insured. It covers room charges; boarding expenses; nursing expenses; fees of the surgeon, anaesthetist, medical practitioner, consultants, specialists; costs of anaesthesia, blood, oxygen; operation theatre charges; surgical appliances; medicines & drugs; diagnostic tests and similar expenses. Further benefits include:

    • The policy is available for Indian Cancer Society members including life members, well-wisher ordinary members, corporate members, etc.
    • The individuals below 70 years and patients with no potential cancer cases can get the membership
    • The insurance premium is a part of the membership fees of the society
    • To avail the benefits of the policy, you need to fill the membership form of the society
    • The policy covers the insured members, his/her spouse and dependent children
    • If they contract cancer, the insurer pays the cost of diagnosis, biopsy, surgery, chemotherapy, radiotherapy, hospitalisation and rehabilitation up to the sum insured
    • The sum insured is available in the multiples of Rs. 50,000, up to maximum of Rs. 2 Lakh
    • A cumulative bonus of 5% for every claim-free year, up to maximum of 50%
    • Expenses incurred for an ambulance within city at the time of admission and discharge only 
  • What’s More?

    Not just the above benefits can be gained. The expenses incurred on post-hospitalisation (maximum 60 days) are also covered. The plicy continues to cover other persons till the date of the expiry in case the insured or the insured person dies due to cancer during the policy period. Some other highlights of the policy are: 

    • Dedicated Third Party Administrator (TPA) service
    • Free check-up for cancer only once
    • 50% discount for a subsequent check-up for cancer
    • Tax saving under section 80D of the Income Tax Act
    • Separate indemnities are available for each child
  • Conclusion

    With the benefits and features of New India’s Cancer Mediclaim Policy, it can be said that this policy is more worth for the people with a family history of cancer or for ones who are likely to contract the disease. Generally, basic health insurance is more than enough for you and your family. However, if you have a risk of developing this critical illness, you must buy a cancer plan like Cancer Mediclaim Policy.

    If a cancer health insurance policy is a must for you, then opt for the online platform like InsuranceDekho for the purchase. InsuranceDekho lets you get complete information about health insurance policy with full transparency. The company allows you to compare different cancer plans, know the policy terms and conditions, and choose the plan of your choice without any hassle.

New India Assurance Cancer Mediclaim Policy Brochure

  • 79.11 KB
  • PDF Document
  • Jul 23, 2019

Claim Process at New India Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Cancer Mediclaim Policy FAQs

  • What is the policy tenure of New India Assurance Cancer Mediclaim Policy?

    New India Assurance’s Cancer Mediclaim Policy can be purchased for one year or five years and each member has to pay an annual membership of the society including premium, before the date of expiry. 

     

  • Is there any bonus that New India Assurance provides to its policyholders through this policy?

    Yes. New India Assurance allows a cumulative bonus of 5% for every year when a claim is not made up to a maximum of 50%. 

  • Will I have to serve a waiting period on renewal of this policy?

    No. The renewal insurance will not have any waiting period. The policy can be used as before once it is renewed. 

  • Who all can be covered under this policy?

    Insured members and their spouses can be covered under this policy.  Dependent children can also be added along with the insured individual if an additional premium is paid for the same. Every child is granted separate indemnities. 

  • What are the sum insured options available under this policy?

    New India Assurance’s Cancer Mediclaim Policy can be purchased for sum insured options of Rs. 50,000; Rs. 1 Lakh; Rs. 1.5 Lakh; and Rs. 2 Lakh.

  • How will the policy work if one of the insured members contracts Cancer?

    If one of the insured members contracts Cancer, then the Spouse will not be covered. In this case, the Spouse can seek individual membership. 

  • What is the entry age under this plan?

    Anyone who is aged below 70 years can be covered under this policy. 

  • How are premiums calculated for this policy?

    Premiums for this policy are calculated on the basis of the sum insured, age, medical conditions, etc. Rates can be checked from the prospectus, brochure or the website. 

  • What are the documents required if I make a claim under this policy?

    The policyholders are required to submit the following claim related documents within 7 days after discharge from the hospital-

    • Bill, discharge certificate or card and receipt from the hospital
    • Cash memos from the hospital, chemist, etc.
    • Pathological test reports and the receipts
    • Bill and receipt of the Surgeon
    • Attending Practitioner’s bill and receipt
    • Certificate regarding diagnosis
  • When should one inform the TPA at the time of medical emergency?

    The policyholders are required to intimate within 24 hours from the time of hospitalisation in the event of emergency hospitalisation

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