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New India Critical Illness Plans
Critical illnesses can happen suddenly, without any warning. If someone gets a serious illness like cancer or a heart attack, the treatment can be very expensive. That is why it is important to have a critical illness insurance plan in India.
This type of plan gives money to help you if you are diagnosed with a life-threatening disease like cancer, heart attack, stroke, or kidney failure. New India Assurance offers critical illness plans that give coverage up to Rs. 15 lakhs for serious illnesses and up to Rs. 50 lakhs for cancer treatment.
New India Floater Mediclaim Policy
| Features | Details of the Policy |
|---|---|
| What it Covers | Many serious (critical) illnesses |
| Extra Benefit | If you get a critical illness, you get 10% extra money (apart from the regular claim) |
| Hospital Stay | Must be admitted for more than 24 hours |
| Critical Illnesses Covered | CancerOpen chest heart surgery (CABG)Heart attack (serious)ComaPermanent paralysisOpen heart replacementMajor organ/bone marrow transplantKidney failure (needs dialysis)StrokeMotor neuron diseaseMultiple sclerosis |
New India Cancer Mediclaim Policy
| Features | Details of the Policy |
|---|---|
| Coverage Type | Critical Illness (Cancer-specific) |
| Eligibility | Individuals under 70 years of age, not previously diagnosed with cancer |
| Covered Cancer Conditions | Malignant neoplasm of pharynx/buccal cavity Peritoneum & digestive organs Breast, respiratory system, skin, bone, connective tissue |
| Covered Treatments | RadiotherapyChemotherapyProton TreatmentOrgan Transplant (for cancer)Onco-surgeryPersonalized/Targeted TherapyHormonal TherapyStem Cell TransplantationImmunotherapyBone Marrow Transplantation |
| Exclusions | Previously diagnosed cancer or suspected cancer cases are not covered. |
Health Insurance Plans By New India
Main Features of New India Critical Illness Insurance
New India Assurance offers critical illness insurance plans with helpful features. Here are the main benefits:Option to switch your policy to another companyCashless treatment at network hospitalsYou can renew the policy for your whole lifeYou can get extra money for each day you stay in the hospitalEasy claim process handled by their own teamThese plans give strong support if you are diagnosed with a serious illness. They help reduce stress during difficult times by covering major medical costs.
FAQs
Yes, New India Assurance covers critical illnesses under these plans:Floater Mediclaim PolicyCancer Mediclaim Policy
No, hypertension is not covered in the critical illness plan until you have had the policy for 24 months without any break.
Anyone can buy it, but it is very helpful for people with a family history of serious illnesses or those who want extra protection besides regular health insurance.
Health insurance pays for hospital bills. Critical illness insurance gives you a lump sum (one-time payment) when you are diagnosed with a listed serious illness. You can use this money however you need, for treatment, travel, or daily expenses.
Yes, you can have both. They work together to give you better financial support during a serious illness.