Cancer Risk Insurance

  You need more than courage to fight Cancer...

How? By becoming a member of the Indian Cancer Society you are covered by New India Assurance's innovative new Cancer Insurance Policy...automatically.
Cancer can strike at any age, anytime ... and is rightly called "the enemy within". In fact, it is a genetic accident caused by various factors pertinent to the environment we all live in and are exposed to. There are ways and ways of people reacting to cancer. But, generally speaking, people take it for granted that it is a terminal illness, with no possibility of a cure.

  Cancer is curable if detected early enough.

There are hundreds of patients who are now leading normal lives because cancer was diagnosed and treated at an early stage. But, for a large number, treatment for cancer is too expensive. This proves more detrimental to their treatment and recovery than the insidious cancer cell. The Cancer Insurance Policy will provide all these people with the helping hand they need.

  How does this new policy work?

The policy has been devised to provide financial cover for anybody who may be stricken by this malignant disease. New India Assurance have planned this cover meticulously, in consultation with the medical experts of the Indian Cancer Society, to meet a long-felt socio-economic need. In fact this particular cover offered by New India Assurance is unique in that so far India is only the 3rd country in the world to provide it.
According to the agreement, anyone who wants to avail of this cover has to join the Indian Cancer Society. The only proviso being that, at the time of seeking the membership, the person concerned should not be a cancer patient or a potential cancer case. The policy comes into operation only after the first one month of membership.

  What benefits does this cover offer?

The Cancer Insurance Policy offers you coverage of Rs.50,000/- +5%. Additional sum insured up to Rs.75,000 for every claim free renewal, an amount normally incurred by an individual or his family to fight this dreaded disease. The policy covers both the member and spouse - regardless of whose name the membership is in. But once either of them contracts the disease the other would not be entitled for any benefits under the same policy. However, he/she can always take another membership.
The membership also gets a number of other benefits, chief amongst them being the facility of regular check-ups for cancer. Because early detection means an effective cure.

  Details of the benefits offered by this scheme

• The Cancer Insurance Policy offers adequate coverage towards the costs of diagnosis, biopsy, surgery, chemotherapy and/or radiotherapy, hospitalization and rehabilitation.
  Reimbursement of claims is made every quarter for actual expenses incurred, until the entire sum insured is exhausted or the insured is declared cured whichever is earlier.
  Should the entire sum insured be exhausted and any additional expenses incurred, a 50% discount on chemotherapy drugs is offered by the Indian Cancer Society.

• One free cancer check-up at the Cancer Society's Detection Centre. Thereafter, concessional check-ups at the rate of 50% of cost will be charged at Bombay and other centres as established.

• Free access to lay literature on cancer available with the Society. And at the Society's discretion facilities would be available at the Rehabilitation Centre at Bombay. At other centres these facilities would be available as and when established.

• Any other rights and benefits as declared by the Managing Committee of the Society from time to time.

  What are the types of memberships offered by the Society?

To be eligible for this policy, all you have to do is to become a well-wisher member of the Indian Cancer Society. For an annual fee of Rs.200/- and an entrance fee of Rs.75/- the well-wisher member is automatically entitled to the Cancer Insurance Policy.

The other categories of memberships are:

• Well-wisher life members for a fee of Rs.3,000/- one time payment.

• Corporate membership (to cover 25 officers/employees of a Company) for an annual fee of Rs.5,000/- and entrance fee of Rs.2,000/-.

• Ordinary membership (which gives the member voting rights in the Society's activities) for an annual fee of Rs.1,000/- and entrance fee of Rs.500/-.

• Insurance can be extended to provide cover for two dependent children for Medical Expenses upto Rs. 50,000/- separately, on payment of additional premium of Rs. 53/- for one child and Rs. 105/- for two children (from age 1 to 20 years).

*Group Discount to a Group of more than 25 persons will be allowed between 15% to 66-2/3% of a Membership fee.

  New India Assurance offer a worry-free life after cancer

Remember the best protection is early detection. Most types of cancer, if detected early, can be treated effectively. Today, there are thousands of people all over the world who have had cancer and have been cured. They now lead normal lives.

Now, the membership of the Indian Cancer Society provides you with an avenue to have check-ups regularly. And should cancer be detected, it provides substantial financial support so that you can be adequately treated in time , allowing you not only to lead a normal life after cancer ... but one with no financial worries.

The New India Cancer Insurance Policy relieves you of the crippling costs of curing cancer giving you a new lease on life. And hope for a happy and normal future.