{"uin":"NIAHLIP25037V022425","name":"New India Cancer Guard Policy (Cashless Facility Available)","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"health","category":"disease-specific","category_name":"Disease-specific cover","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"New India Cancer Guard is a disease-specific indemnity health policy for cancer treatment taken as inpatient, outpatient or day care in India. It has sum insured options of Rs. 5, 10, 15, 25 and 50 Lakhs, a 90-day cancer waiting period, and an additional 50% Cancer Care Benefit for first-time Stage IV or Advanced Metastatic Cancer.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:56:43.274604+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plans are stated; the documents describe sum insured options and policy terms.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy term can be 1 Year, 2 Years or 3 Years.","display":"1 Year or 2 Years or 3 Years","note":null,"quote":"POLICY TERM means the tenure of the policy, which can be 1 Year or 2 Years or 3 Years","sources":[{"clause":"2.51","heading":"POLICY TERM","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-2-51"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For a claim, the TPA must be intimated in writing immediately on detection of illness or injury, or forty-eight hours before hospitalisation. In a medical emergency, intimation must be within twenty-four hours from the time of hospitalisation.","display":"Immediately or 48 hours before hospitalisation; within 24 hours for emergency hospitalisation","note":null,"quote":"a) Intimate TPA in writing on detection of any Illness/Injury being suffered immediately or forty-eight hours before Hospitalisation.\nb) Intimate within twenty-four hours from the time of Hospitalisation in case of Hospitalisation due to medical emergency.","sources":[{"clause":"5.20","heading":"NOTICE OF CLAIM","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-20"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form duly filled and signed by the claimant","All documents pertaining to the illness starting from the date it was first detected i.e. Doctor's consultation reports/history","Numbered Bill/Receipt and Discharge certificate / card from the Hospital.","Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.","Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.","Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt.","Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis.","Details of previous policies if the details are not already with TPA or any other information needed by the TPA for considering the claim."],"display":"Claim form, illness records, hospital bills and discharge card, cash memos with prescriptions, pathology reports, surgeon's certificate and bills, doctors' bills and diagnosis certificate, previous policy details or other TPA information","note":null,"quote":"i) Claim Form duly filled and signed by the claimant\nii) All documents pertaining to the illness starting from the date it was first detected i.e. Doctor's consultation reports/history\niii) Numbered Bill/Receipt and Discharge certificate / card from the Hospital.\niv) Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.\nv) Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.\nvi) Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt.\nvii) Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis.\nviii) Details of previous policies if the details are not already with TPA or any other information needed by the TPA for considering the claim.","sources":[{"clause":"5.20","heading":"NOTICE OF CLAIM","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-20"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The policy says the insurer shall settle or reject a claim within thirty days of receiving the last necessary document. If investigation is required, it must be completed within 30 days and the claim settled within 45 days from receipt of the last necessary document.","display":"30 days from last necessary document; 45 days if investigation is required","note":"The same policy wording also says settlement of claims other than cashless shall be within fifteen days from submission of claim.","quote":"i) We shall settle or reject a claim, as may be the case, within thirty days of the receipt of the last ‘necessary’ document. ... iii) However, where the circumstances of a claim warrant an investigation in the opinion of the Insurer, We shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, We shall settle the claim within 45 days from the date of receipt of last necessary document. ... i) Settlement of claims (other than cashless) shall be settled within fifteen days from submission of claim.","sources":[{"clause":"5.26(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-26-i"},{"clause":"5.26(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-26-iii"},{"clause":"5.10","heading":"CLAIM SETTLEMENT (PROVISION FOR PENAL INTEREST)","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-10"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Treatment other than for Cancer.","Pre-Existing Condition for Cancer for which Insured Person had signs or symptoms, and/or was diagnosed, and/or received medical advice / treatment prior to the first policy issued by Us","Cancer diagnosed / contracted by the Insured person during the first ninety days of the commencement date of first Policy.","Any treatment for Cancer directly or indirectly caused by or arising from or attributable to War, invasion, Act of Foreign enemy, War like operations","Plastic Surgery, cosmetic, aesthetic treatment.","Cost of external prosthetic devices, non-durable implants, external medical equipment.","Dental treatment or Surgery of any kind unless necessitated due to treatment of Cancer.","Kaposi Sarcoma.","Charges incurred at Hospital primarily for diagnosis, x-ray or Laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive existence or presence of Cancer","Expenses on vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner.","Any expenses relating to cost of items detailed in Annexure II.","Unproven/Experimental Treatment and pharmacological regimens.","Any kind of Service charges, Surcharges, Luxury Tax and similar charges levied by the Hospital.","Treatment including investigation/diagnostic services availed outside India.","Rest Cure, Rehabilitation and Respite care."],"display":"Cancer-only cover; pre-existing cancer; cancer in first ninety days; war/nuclear causes; cosmetic or plastic surgery; external prosthetic devices; dental unless cancer treatment; Kaposi Sarcoma; diagnostic-only admission; vitamins and tonics unless part of treatment; Annexure II items; unproven or experimental treatment; service charges and surcharges; treatment outside India; rest cure, rehabilitation and respite care","note":null,"quote":"Any Treatment other than for Cancer. ... Pre-Existing Condition for Cancer for which Insured Person had signs or symptoms, and/or was diagnosed, and/or received medical advice / treatment prior to the first policy issued by Us (as mentioned in the Schedule). ... Cancer diagnosed / contracted by the Insured person during the first ninety days of the commencement date of first Policy. ... Any treatment for Cancer directly or indirectly caused by or arising from or attributable to War, invasion, Act of Foreign enemy, War like operations (whether war be declared or not), nuclear weapon/ ionising radiation, contamination by Radioactive material, nuclear fuel or nuclear waste or from the combustion of nuclear fuel. ... Plastic Surgery, cosmetic, aesthetic treatment. ... Cost of external prosthetic devices, non-durable implants, external medical equipment. ... Dental treatment or Surgery of any kind unless necessitated due to treatment of Cancer. ... Kaposi Sarcoma. ... Charges incurred at Hospital primarily for diagnosis, x-ray or Laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive existence or presence of Cancer for which confinement is required at a hospital. ... Expenses on vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner. ... Any expenses relating to cost of items detailed in Annexure II. ... Unproven/Experimental Treatment and pharmacological regimens. ... Any kind of Service charges, Surcharges, Luxury Tax and similar charges levied by the Hospital. ... Treatment including investigation/diagnostic services availed outside India. ... Rest Cure, Rehabilitation and Respite care.","sources":[{"clause":"4.1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-1"},{"clause":"4.2","heading":"Pre-Existing Condition for Cancer for which Insured Person had signs or symptoms, and/or","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-2"},{"clause":"4.3","heading":"Cancer diagnosed / contracted by the Insured person during the first ninety days of the","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-3"},{"clause":"4.4","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-4"},{"clause":"4.5","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-5"},{"clause":"4.6","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-6"},{"clause":"4.7","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-7"},{"clause":"4.8","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-8"},{"clause":"4.9","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-9"},{"clause":"4.10","heading":"Expenses on vitamins and tonics unless forming part of treatment for Injury or Illness as","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-10"},{"clause":"4.11","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-11"},{"clause":"4.12","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-12"},{"clause":"4.13","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-13"},{"clause":"4.14","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-14"},{"clause":"4.15","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-15"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The insured may contact the company through its grievance website, toll-free number, email, fax or courier, or approach the grievance cell at any branch. If not satisfied, the insured may contact the grievance officer before approaching the Insurance Ombudsman.","display":"Contact the company/grievance cell first; then the grievance officer; then the Insurance Ombudsman","note":null,"quote":"ln case of any grievance the insured person may contact the company through Website: https://www.newindia.co.in/portal/readMore/Grievances Toll free: 1800-209-1415 E-mail, Fax and Courier: As mentioned in the above address Senior Citizens may write to seniorcitizencare.ho@newindia.co.in Network Hospital details : https://www.newindia.co.in/portal/readMore/HospitalsList lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. lf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at https://www.newindia.co.in/portal/readMore/Grievances","sources":[{"clause":"5.14","heading":"REDRESSAL OF GRIEVANCE","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-14"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Sum insured options are Rs. 5, 10, 15, 25 and 50 Lakhs, with age-based eligibility limits.","display":"Rs. 5, 10, 15, 25 & 50 Lakhs","note":"Eligibility depends on entry age: <= 50 years for all options; 51 - 55 Years for Rs. 5, 10 & 15 lakhs; 56 - 60 Years for Rs. 5 & 10 lakhs; 61 - 65 Years for Rs. 5 lakhs.","quote":"Sum Insured option available for this policy are Rs. 5, 10, 15, 25 & 50 Lakhs. The Premium You pay depends upon Your Age and the Sum Insured chosen. The eligibility of the Sum Insured is based on your age when you choose to buy your first Policy as below:\nAGE | ELIGIBLE SUM INSURED\n<= 50 years | Rs. 5, 10, 15, 25 & 50 lakhs\n51 - 55 Years | Rs. 5, 10 & 15 lakhs\n56 - 60 Years | Rs. 5 & 10 lakhs\n61 - 65 Years | Rs. 5 lakhs","sources":[{"clause":"6","heading":"WHAT SUM INSURED SHOULD I CHOOSE?","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13409#c-6"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":"This 90-day waiting period does not apply on renewal.","quote":"The Policy has a waiting period of 90 days. If the Insured contracts or is diagnosed with Cancer during the waiting period, the premiums are returned and policy is cancelled.","sources":[{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-1"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":"Pre-existing cancer is excluded: a pre-existing condition for cancer for which the insured had signs or symptoms, diagnosis, medical advice or treatment before the first policy issued by the insurer is not covered.","display":"Pre-existing cancer is excluded","note":"No waiting period after which pre-existing cancer becomes covered is stated.","quote":"Pre-Existing Condition for Cancer for which Insured Person had signs or symptoms, and/or was diagnosed, and/or received medical advice / treatment prior to the first policy issued by Us (as mentioned in the Schedule).","sources":[{"clause":"4.2","heading":"Pre-Existing Condition for Cancer for which Insured Person had signs or symptoms, and/or","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"This is a cancer-only policy; treatment other than Cancer is excluded, so a separate waiting period for named non-cancer illnesses and procedures does not apply.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"This is a cancer-only policy; treatment other than Cancer is excluded, so there is no list of non-cancer illnesses or procedures with a specific waiting period.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement only on the enhanced limit.","quote":"After completion of sixty continuous months of coverage (including portability and migration in health insurance policy), no policy and claim shall be contestable by the insurer on grounds of non-disclosure, mis-representation except on grounds of established fraud. This period of sixty continuous months is called as Moratorium period.","sources":[{"clause":"5.8","heading":"MORATORIUM PERIOD","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The policy can be ported to another insurer by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date; waiting-period and other credits can be transferred if continuously covered without lapses.","display":"Allowed, with transfer of credits, by applying 30 to 60 days before renewal","note":null,"quote":"You will have the option to port the policy to other Insurers by applying to such Insurer to port the entire policy along with all the members of the family, if any, at-least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If policyholder is presently covered and has been continuously covered without any lapses under any Health Insurance policy with an Indian General or Health Insurer, then policyholder can transfer the credit gained to the extent of the sum insured, no claim bonus, specific waiting period for pre-existing diseases, moratorium period etc from the existing insurer to the acquiring insurer in the previous policy.","sources":[{"clause":"5.15","heading":"PORTABILITY AND MIGRATION","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, no age limit for renewal","note":null,"quote":"No. Your Policy can be renewed, as long as You pay the Renewal Premium before the date of expiry of the Policy or within grace period. There is an age limit for taking a fresh Policy, but there is no age limit for renewal.","sources":[{"clause":"19","heading":"IS THERE AN AGE LIMIT UP TO WHICH THE POLICY WOULD BE RENEWED?","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13409#c-19"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"v) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.11","heading":"RENEWAL OF POLICY","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-11"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Any Treatment other than for Cancer.","Pre-Existing Condition for Cancer for which Insured Person had signs or symptoms, and/or was diagnosed, and/or received medical advice / treatment prior to the first policy issued by Us","Any treatment for Cancer directly or indirectly caused by or arising from or attributable to War, invasion, Act of Foreign enemy, War like operations","Plastic Surgery, cosmetic, aesthetic treatment.","Cost of external prosthetic devices, non-durable implants, external medical equipment.","Dental treatment or Surgery of any kind unless necessitated due to treatment of Cancer.","Kaposi Sarcoma.","Charges incurred at Hospital primarily for diagnosis, x-ray or Laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive existence or presence of Cancer","Any expenses relating to cost of items detailed in Annexure II.","Unproven/Experimental Treatment and pharmacological regimens.","Treatment including investigation/diagnostic services availed outside India.","Rest Cure, Rehabilitation and Respite care.","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.","Treatment rendered by a Medical Practitioner, which is outside his discipline or the discipline for which he is licensed.","Procedures/treatments usually done in outpatient department are not payable under the Policy even if converted as an in-patient in the Hospital for more than 24 hours"],"display":"Cancer-only cover; pre-existing cancer; war and nuclear causes; plastic or cosmetic treatment; external prosthetic devices; dental unless cancer treatment; Kaposi Sarcoma; diagnostic-only admission; Annexure II items; unproven or experimental treatment; treatment outside India; rest cure, rehabilitation and respite care; enforced bed rest; specified healthcare providers; OPD procedures converted to inpatient","note":"The policy wording does not print IRDAI exclusion codes such as Excl04 to Excl18 for these exclusions.","quote":"Any Treatment other than for Cancer. ... Pre-Existing Condition for Cancer for which Insured Person had signs or symptoms, and/or was diagnosed, and/or received medical advice / treatment prior to the first policy issued by Us (as mentioned in the Schedule). ... Any treatment for Cancer directly or indirectly caused by or arising from or attributable to War, invasion, Act of Foreign enemy, War like operations (whether war be declared or not), nuclear weapon/ ionising radiation, contamination by Radioactive material, nuclear fuel or nuclear waste or from the combustion of nuclear fuel. ... Plastic Surgery, cosmetic, aesthetic treatment. ... Cost of external prosthetic devices, non-durable implants, external medical equipment. ... Dental treatment or Surgery of any kind unless necessitated due to treatment of Cancer. ... Kaposi Sarcoma. ... Charges incurred at Hospital primarily for diagnosis, x-ray or Laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive existence or presence of Cancer for which confinement is required at a hospital. ... Any expenses relating to cost of items detailed in Annexure II. ... Unproven/Experimental Treatment and pharmacological regimens. ... Treatment including investigation/diagnostic services availed outside India. ... Rest Cure, Rehabilitation and Respite care. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... i) Treatment rendered by a Medical Practitioner, which is outside his discipline or the discipline for which he is licensed. ... Procedures/treatments usually done in outpatient department are not payable under the Policy even if converted as an in-patient in the Hospital for more than 24 hours","sources":[{"clause":"4.1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-1"},{"clause":"4.2","heading":"Pre-Existing Condition for Cancer for which Insured Person had signs or symptoms, and/or","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-2"},{"clause":"4.4","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-4"},{"clause":"4.5","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-5"},{"clause":"4.6","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-6"},{"clause":"4.7","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-7"},{"clause":"4.8","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-8"},{"clause":"4.9","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-9"},{"clause":"4.11","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-11"},{"clause":"4.12","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-12"},{"clause":"4.14","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-14"},{"clause":"4.15","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-15"},{"clause":"4.16","heading":"Expenses related to any admission primarily for enforced bed rest and not for receiving","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-16"},{"clause":"4.17","heading":"Specified healthcare providers","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-17"},{"clause":"4.18","heading":"Procedures/treatments usually done in outpatient department are not payable under the","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-4-18"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel the policy at any time during the term by giving 7 days’ written notice. For a term up to one year, the insurer refunds proportionate premium for the unexpired period if no claim has been made; for policies over 1 year, premium is refunded for unexpired policy years where risk coverage has not commenced, and no refund is made if any claim has been admitted, lodged or benefit availed.","display":"7 days’ notice; proportionate refund for unexpired period if no claim; no refund if any claim is admitted, lodged or benefit availed","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. ... a) Refunds proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... b) Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced Not with standing anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"5.1","heading":"CANCELLATION OF POLICY","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-1"},{"clause":"5.1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-1-a"},{"clause":"5.1(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-1-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers medical or surgical treatment and services rendered only in India, and admissible claims are payable only in Indian Rupees.","display":"India only","note":null,"quote":"This Policy covers Medical/ Surgical treatment and/or services rendered only in India. Admissible claims shall be payable only in Indian Rupees.","sources":[{"clause":"5.18","heading":"PLACE OF TREATMENT AND PAYMENT","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-18"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applicable to new individual health insurance policies with a term of one year or more, not renewals or porting/migration.","quote":"A period of 30 days (from the date of receipt of the policy document) is available to the policyholder to review the terms and conditions of the policy.","sources":[{"clause":"5.6","heading":"FREE LOOK PERIOD","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"fifteen days for monthly mode and thirty days in all other cases","note":"The renewal clause separately says the policy can be renewed within the Grace Period of 30 days to maintain continuity.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases. ... At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy.","sources":[{"clause":"2.10","heading":"GRACE PERIOD","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-2-10"},{"clause":"5.11","heading":"RENEWAL OF POLICY","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-11"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The proposer should be between 18 years and 65 years. Children above the age of 3 months can be covered by parents or guardians if financially dependent, and persons beyond 65 years can continue if insured without break.","display":"Proposer 18 years to 65 years; children above 3 months can be covered","note":null,"quote":"The Proposer for this Insurance should be between the age of 18 years and 65 years. Children above the age of 3 months can be covered by the parents / guardians provided they are financially dependent on the parents / guardians. ... The persons beyond 65 years can continue their insurance provided they are Insured under the Policy with us without any break.","sources":[{"clause":"1","heading":"WHO CAN TAKE THIS POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13409#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The grace-period definition refers to monthly mode and other cases, but the documents do not list the available premium payment modes.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Non Medical Expense Rider"],"display":"Non Medical Expense Rider","note":"From the lower-priority brochure; the rider is separate from the base policy cover.","quote":"3. Riders available - treatment. (i) Non Medical Expense Rider","sources":[{"clause":null,"heading":"IRDAI REGN. No. 190","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13395#c-irdai-regn-no-190"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the period for which no premium is received, including the grace period.","display":"No coverage during grace period","note":null,"quote":"Coverage is not available during the period for which no premium is received. ... Coverage is not available during the Grace Period.","sources":[{"clause":"2.10","heading":"GRACE PERIOD","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-2-10"},{"clause":"5.11","heading":"RENEWAL OF POLICY","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-5-11"}],"law":[]},{"key":"disease","label":"Disease covered","section":"Cover","meaning":"The condition this policy is for.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum, staged, or hospital bills.","status":"quote-verified","value":"The base cover is reimbursement of reasonable, customary and medically necessary cancer treatment expenses up to the aggregate of the Sum Insured and Cumulative Bonus. If an insured person is first time diagnosed with Stage IV or Advanced Metastatic Cancer, 50% of the Sum Insured is paid as Cancer Care Benefit in addition to the admissible claim amount.","display":"Reimbursement of admissible cancer treatment expenses; plus 50% of Sum Insured for first-time Stage IV or Advanced Metastatic Cancer","note":"Cancer Care Benefit is in addition to the Sum Insured and is payable only once in the lifetime of each insured person.","quote":"Subject to this, We will reimburse the following Reasonable and Customary, and Medically Necessary Expenses admissible as per the terms and conditions of the Policy: ... If during the Period of Insurance, any Insured Person is first time diagnosed for Cancer and is in Stage IV (based on TNM classification) or Advanced Metastatic Cancer, 50% of the Sum Insured would be paid as Critical Care Benefit in addition to the admissible claim amount.","sources":[{"clause":"3.1","heading":"Our liability for all claims admitted during the Period of Insurance shall not exceed the","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-3-1"},{"clause":"3.8","heading":"CANCER CARE BENEFIT","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413#c-3-8"}],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before payment.","status":"not-stated","value":null,"display":null,"note":"No survival-period condition is printed for reimbursement claims or for the Cancer Care Benefit.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy clause","pages":28,"fetched_at":"2026-10-17 19:49:45+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/cancer-guard-policy/Policy%20clause%20New%20India%20Cancer%20Guard.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13413"},{"kind":"prospectus","label":"Prospectus Form","pages":17,"fetched_at":"2026-10-17 19:49:48+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/cancer-guard-policy/Prospectus%20New%20India%20Cancer%20Guard.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13409"},{"kind":"cis","label":"Customer Information Sheet","pages":4,"fetched_at":"2026-10-17 19:49:44+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/cancer-guard-policy/CIS%20New%20india%20cancer%20guard.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13406"},{"kind":"brochure","label":"Policy Brochure","pages":2,"fetched_at":"2026-10-17 19:49:23+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/cancer-guard-policy/1%20Cancer%20Guard%20Pamphlet.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/13395"},{"kind":"premium","label":"Premium Chart New India Cancer Guard Policy","pages":null,"fetched_at":"2026-10-17 19:49:49+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/cancer-guard-policy/Premium%20Chart%20New%20India%20Cancer%20Guard.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/30458"},{"kind":"proposal","label":"Proposal Form","pages":null,"fetched_at":"2026-10-17 19:49:47+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/cancer-guard-policy/Proposal%20Form%20New%20India%20Cancer%20Guard%20WEF%2001%20OCT%202024.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425/document/30457"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.newindia.co.in/grievance","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"New India Cancer Guard Policy (Cashless Facility Available) (UIN NIAHLIP25037V022425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-cancer-guard-policy-cashless-facility-available-niahlip25037v022425"}