New India Assurance Cancer Mediclaim Policy

Cancer Mediclaim Policy
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  • 1,200+ Network Hospitals
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  • 17,47,550 Policies Issued
  • 103.19% Incurred Claim Ratio
  • Lifelong Renewability
  • 96.61% Claim Settlement Ratio
  • Dedicated Team for Claim Settlement

About New India Assurance 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.

  • 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 mediclaim policy by New India Assurance from the website of Insurancedekho.com. I purchased the same from them at affordable premium. The plan provides me for nursing expenses, allopathic treatment expenses, ambulance charges etc. I am looking forward to renew this plan for next year as well. 

     

    A
    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 to want to cover critical illnesses under this plan as regular plans do not cover diseases like cancer etc. You can call on the toll-free number of insurancedekho and they will patiently explain you the terms and conditions of the policy and help you buy this plan through a secured gateway. 

     

    D
    On: Sep 26, 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 because it did fair research from my end on the coverage features etc offered by it. My cancer mediclaim policy covers necessary features and I am satisfied. 

     

    p
    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, allopathic treatment, emergency hospitalisation expenses etc and did not faced any problem in buying it from insurancedekho.can give it try..

     

    S
    On: Oct 10, 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 think that it can have other benefits also.. Otherwise it is good that it covers nursing expenses, emergency ambulance expenses, etc. 

     

    K
    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 in the market for cancer and i found this one to be good for myself as it has low premium in comparison to others

     

    S
    On: Oct 23, 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 works there and she told me how satisfied she was with the plan. Have taken services of other insurers as well bt didnt found them up to my expectations. Its good

     

    U
    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’s plan. And this one really good but..and i recommend this plan to others as well.. It offers me the necessary advantages that my previous plan did not provide. 

     

    R
    On: Nov 04, 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 any problem. Great team of people who are always ready to help what so ever the problem my be. Haven’t made any claim ye so cant say much on that part. 

     

    m
    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, anaesthetist, consultant and surgeons expenses, blood oxygen etc charges, emergency ambulance charges and allopathic treatment expenses. Can buy this from ID..

     

    S
    On: Nov 13, 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 purchasing one with ease. They are informed about every change in the market concerned with health insurance and shared knowledge with me too.   

     

    s
    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 of blood, oxygen, anesthetist etc and also emergency ambulance charges. There are less cancer plans in market and i found it satisfactory

     

    R
    On: Nov 22, 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 similar plans are offering in the name of coverage features but found this one with the widest coverage. 

     

    G
    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 and hence didn't waste any time in deciding.. Iam satisfied with my plan and have not made any claim yet so cant comment..otherwise its good

     

    R
    On: Dec 03, 2019 | Views

Expert Review for New India 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 Cancer Mediclaim Policy Brochure

  • 79.11 KB
  • PDF Document
  • Jul 23, 2019

Claim Process at New India Assurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of New India Assurance at 1800-209-1415.
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of New India Assurance 1800-209-1415.

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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