How does the waiting period affect my coverage?

The New India Cancer Guard Policy has a waiting period before covering cancer treatments, ensuring fair risk distribution and policy sustainability.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made, the policy remains active, and you continue receiving coverage benefits without additional bonuses or changes.

Does the New India Cancer Guard plan cover treatment abroad?

The New India Cancer Guard Policy primarily covers cancer treatment within India and does not provide international medical coverage.

What cumulative financial rewards accrue to policyholders who maintain continuous coverage without making a claim?

The plan rewards policyholders by applying a designated 10% cumulative bonus at the end of each claim-free year up to a maximum loyalty cap of 50%, effectively increasing your core available protection layout upon consecutive renewals.

How does a history of cancer or a previous cancer diagnosis impact an applicant's initial enrollment eligibility?

The policy incorporates a strict underwriting restriction that makes the plan completely unavailable to individuals with any pre-existing signs, symptoms, or diagnoses of malignancy, ensuring the framework serves exclusively as preventive protection layout.

OneAssure

Health Insurance

New India Assurance

Cancer Guard Policy Cancer Guard

New India Assurance Cancer Guard Policy

Experience India's most trusted health insurance with New India Assurance Health Insurance. Get instant cashless treatment at 6800 network hospitals with sum insured up to ₹50 lakhs.

92.9

Claim Settlement Ratio

6800

Network Hospitals

7.3

Customer Rating

Policy Policy Wording

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92.9

Claim Settlement Ratio

6800

Network Hospitals

7.3

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: New India Assurance Health Insurance

Final Verdict

The New India Cancer Guard Policy is ideal for individuals seeking extensive cancer coverage, offering extensive coverage for cancer treatment, including hospitalization, chemotherapy, and immunotherapy. It offers high sum insured options, no room rent capping, and home care benefits, but may not cover non-cancer treatments. Best for those prioritizing comprehensive cancer care.

About

About New India Assurance Health Insurance

The New India Cancer Guard Policy is a specialized health insurance plan designed to provide financial support for cancer treatment at all stages. It covers hospitalization, chemotherapy, radiation, immunotherapy, and other advanced treatments. The policy offers high sum insured options, ensuring comprehensive coverage for expensive cancer care. With no room rent capping and broad treatment coverage, it helps policyholders focus on recovery without financial stress. It also includes pre- and post-hospitalization expenses, making it a well-rounded choice for cancer care.

The New India Cancer Guard Policy is a specialized health insurance plan designed to provide financial support for cancer treatment at all stages. It covers hospitalization, chemotherapy, radiation, immunotherapy, and other advanced treatments. The policy offers high sum insured options, ensuring comprehensive coverage for expensive cancer care. With no room rent capping and broad treatment coverage, it helps policyholders focus on recovery without financial stress. It also includes pre- and post-hospitalization expenses, making it a...

Cancer Guard Ratings

Cancer Guard

Insurer Rating

4.88

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of New India Assurance Insurance Company Limited

Waiting Period

A waiting period of 90 days from the policy start date, during which no claims are accepted.
Pre-existing cancer conditions are covered only after a 48-month waiting period.

Room Rent

The New India Cancer Guard Policy does not impose any specific room rent or ICU limit. Policyholders can choose any hospital room, including ICU, without additional capping.

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

Co-payment

The New India Cancer Guard Policy does not have a mandatory copayment clause, ensuring full coverage for eligible cancer treatments without requiring the policyholder to bear a percentage of the claim amount.

Cashless Healthcare Providers

Access to an extensive network of over 5,000+ hospitals across India for cashless treatment.

Daycare Treatment

The New India Cancer Guard Policy covers daycare treatments specifically related to cancer care, including chemotherapy, radiotherapy, immunotherapy, targeted therapy, and hormone therapy. These treatments do not require 24-hour hospitalization and are covered under the policy as per terms and conditions.

AYUSH Treatment

Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Cashless Healthcare Providers

Access to an extensive network of over 5,000+ hospitals across India for cashless treatment.

Room Rent

The New India Cancer Guard Policy does not impose any specific room rent or ICU limit. Policyholders can choose any hospital room, including ICU, without additional capping.

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

Exclusions

Pre-existing cancer conditions diagnosed before policy inception.
Any illness or treatment not related to cancer.
Treatment outside the policy's coverage jurisdiction.
Cosmetic or reconstructive surgery unless medically necessary.
Experimental or unproven cancer treatments.

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About the company

New India Assurance is one of India’s oldest and most trusted insurance companies. It was founded in 1919 and has grown into a large public sector company with a strong presence across India and overseas. The company offers a wide range of insurance products, including health, motor, travel, and home insurance, but health insurance is one of its key areas. New India Health Insurance focuses on protecting individuals and families from medical expenses. They provide policies that cover hospitalisation, surgeries, pre- and post-hospitalisation costs, organ transplants, alternative treatments like AYUSH, and critical illnesses. The plans are designed for all age...

New India Assurance is one of India’s oldest and most trusted insurance companies. It was founded in 1919 and has grown into a large public sector company with a strong presence across India and overseas. The company offers a wide range of insurance products, including health, motor, travel, and home insurance, but health insurance is one of its key areas. New India Health Insurance focuses on protecting individuals and families from medical expenses. They provide...