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This is Your NEW INDIA CANCER GUARD POLICY, which has been issued by Us, relying on the information disclosed by You in Your Proposal for this Policy or its preceding Policy of which this is a renewal
Highlights
1. Entry Age: 3 months - 65 Years
2. Sum Insured: 5L, 10L, 15L, 25L & 50L
The eligibility of the Sum Insured is based on your age when you choose to buy your first Policy as below:
Once you have been issued a Policy, you can continue to renew it with the same Sum Insured.
3. Treatments Covered:
4. Room Rent, boarding and nursing expenses,
a. For Sum Insured for 5, 10 and 15 Lakhs - Single AC room
b. For Sum Insured for 25 and 50 Lakhs - Deluxe room
5. Cancer Care Benefit: 50% of the Sum Insured would be paid as Critical Care Benefit in addition to the admissible claim amount, if during the Period of Insurance any Insured Person is first time diagnosed for Cancer and is in Advanced Metastatic Cancer (Stage IV).
6. Reconstruction of Affected Body Part Post Surgery to restore the essential physical functioning as a direct result of Cancer Surgery.
7. Post Treatment Follow Up shall be payable up to Rs. 10,000 once in a Period of Insurance.
8. Second Opinion for Surgery expenses incurred towards consultation with another Medical Practitioner to seek advice on the Surgery shall be payable up to Rs. 5,000.
9. Cumulative Bonus: Sum Insured under Policy shall be increased by 10% at each renewal in respect of each claim free year of Insurance, subject to maximum of 50% of the Sum Insured.
10. Ambulance Charges will be payable up to Rs. 3,000 per hospitalization
11. Medical Expenses for organ transplant
12. 58 Day Care Procedures are covered in the policy.
13. Major Exclusions
a. Any Treatment other than for Cancer.
b. Pre-Existing Condition for Cancer.
c. Cancer diagnosed/contracted by the Insured person during the
first ninety days.
d. Plastic Surgery, cosmetic, aesthetic treatment.
e. Non Allopathic treatment
f. Rest Cure, Rehabilitation and Respite care
g. Palliative Care
h. Unproven/Experimental Treatment and pharmacological
regimens
14. No medical checkup is required.
15. A waiting period of 90 days is applicable.
Covered 58 day care treatment
58 Day Care Procedures are covered in the policy
Covered up to Rs. 3,000 per hospitalization
Ambulance Charges will be payable up to Rs. 3,000 per hospitalization
Covered as per the Sum assured
For Sum Insured for 5, 10 and 15 Lakhs - Single AC room \\nFor Sum Insured for 25 and 50 Lakhs - Deluxe room
Increased by 10% at each renewal in respect of each claim free year
Sum Insured under Policy shall be increased by 10% at each renewal in respect of each claim free year of Insurance, subject to maximum of 50% of the Sum Insured
