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New India Assurance Health Insurance Plans Overview

New India Assurance health insurance offers 1 health insurance plan. The premium of these plans starts from Rs. 639/yr. The sum insured ranges from Rs. 5 Lakh - 50 Lakh. Details of the comprehensive coverage provided by the following 1 New India Assurance health insurance plan is listed below:

New India Janata Mediclaim Policy New India Cancer Guard Policy

Starting Premium- ₹ 639/yr

New India Cancer Guard Policy covers you and your family in case someone is infected with cancer. Along with in-patient expenses, the policy also covers outpatient expenses and daycare procedures. Every stage of cancer is covered under the New India Cancer Guard and both conventional and advanced treatments are covered such as chemotherapy, radiotherapy, proton treatment, organ transplant, stem cell translantation

The main features of the New India Cancer Guard Policy are as follows:

  1. The policy can be purchased by an adult up to the age of 65 years
  2. For children who are over the age of 3 months, the policy can be purchased by the parents/ guardians as long as the children are financially dependent, however, this age limit is not applied if the child is mentally challenged
  3. Apart from yourself, you can cover your spouse, children, parents and wards. Each member will have a separate sum insured
  4. If the policyholder is diagnosed with cancer during the 90-day waiting period, the premiums will be returned and the policy would be cancelled
  5. The sum insured can be selected on the basis of the age of the insured. You can choose a sum insured that suits you the best:
    • Less than 50 years: INR 5 lakhs, 10 lakhs, 15 lakhs, 25 lakhs, 50 lakhs
    • 51 to 55 years: INR 5 lakhs, 10 lakhs, 15 lakhs
    • 56 years to 60 years: INR 5 lakhs and INR 10 lakhs
    • 61 to 65 years: INR 5 lakhs
  6. There is no requirement of a pre-policy medical screening
  7. For every claim-free year, your cumulative bonus shall be increased by 10% to a maximum of 50%
  8. An ambulance charge of up to INR 3,000 per hospitalisation will be paid when shifting the insured member
  9. You can increase the sum insured before paying your renewal premium with prior permission from the company.The enhancement can not be done if:
    • The insured is above 60 years
    • The insured has been diagnosed with cancer
  10. The policy covers proton therapy
  11. When you buy a new policy online or renew your policy online, you are eligible for a 10% discount
  12. If you are advised to have surgery, you can get a second opinion from another doctor. For sum insured up to INR 15 lakhs the benefit would be covered till INR 5,000 and for sum insured 25 lakhs and 50 lakhs the benefit can be up to INR 10,000

Eligible Age

91 days - 65 years

PED Waiting Period

NA

Coverage

5 Lakh - 50 Lakh

NCB

10% increase in cover

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FAQs

Under many health insurance plans, there is a concept of co-payment wherein you are required to bear a part of your claim yourself. The insurance company would pay the claims which are in excess of the co-payment ratio. For example, if the co-pay ratio is 20%,20% of the claim would be borne by you and the insurance company would bear the remaining 80%. Co-payment is usually applicable where senior citizens are insured

If the plan allows maternity coverage, costs incurred in childbirth through normal or Caesarean delivery, pre-natal and post-natal care and any other charges related to childbirth are covered under the plan. However, routine doctor’s consultations during pregnancy, diagnostics, etc. would not be covered

Under health insurance plans you can claim a tax deduction of up to INR 1 lakhs through the provisions of Section 80D. Here’s how

  • You get a deduction of up to INR 25,000 if you buy a policy covering yourself, your spouse and your dependent children
  • This limit increases to INR 50,000 if you are aged 60 years and above
  • If you buy a separate policy for your dependent parents, you can claim a deduction of up to INR 25,000 on your policy and another INR 25,000 on your parent’s health insurance coverage. So, you can get a total deduction of up to INR 50,000
  • If your parents are senior citizens, the limit of deduction on their policy would increase to INR 50,000. Thus, you can claim one deduction on your health insurance coverage for up to INR 25,000 and another on your parents’ policy for up to INR 50,000. The total deduction available would be up to INR 75,000
  • If you are also a senior citizen, the deduction on your policy would be up to INR 50,000 and your parents’ policy would also be INR 50,000. Thus, you can get a total deduction of up to INR 1 lakh
  • You get a deduction of up to INR 25,000 if you buy a policy covering yourself, your spouse and dependent children
  • This limit increases to INR 50,000 if you are aged 60 years and above
  • If you buy a separate policy for your dependent parents, you can claim a deduction of up to INR 25,000 on your policy and another INR 25,000 on your parent’s health insurance coverage. So, you can get a total deduction of up to INR 50,000
  • If your parents are senior citizens, the limit of deduction on their policy would increase to INR 50,000. Thus, you can claim one deduction on your health insurance coverage for up to INR 25,000 and another on your parents’ policy for up to INR 50,000. The total deduction available would be up to INR 75,000
  • If you are also a senior citizen, the deduction on your policy would be up to INR 50,000 and for your parents’ policy would also be INR 50,000. Thus, you can get a total deduction of up to INR 1 lakh

Yes, you can choose as many optional covers that you like depending on your coverage needs. For each optional cover selected, however, you would have to pay an additional premium.
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