Bajaj Allianz Critical Illness Insurance Plan

Policy Benefits

• Insured is eligible for the Lumpsum amount if diagnosed with any of the 10 listed critical illnesses which are (Cancer, Coronary Artery Bypass Surgery, First Heart Attack (Myocardial Infarction), Kidney Failure, Major Organ Transplant, Stroke, Aorta Graft Surgery Primary Pulmonary Arterial Hypertension, Multiple Sclerosis with Persisting Symptoms, Permanent Paralysis of Limbs) in the policy contract. Policy benefit is payable on confirmed diagnosis and the insured surviving the defined survival period of 30 days.
• Organ Donor expenses in a transplant surgery, which are not covered under the normal health insurance policy, can be paid out of the amount received under this cover both in India & abroad.
• Sum Insured Enhancement possible at the time of renewal.

Value Added Benefits

• 24*7 Medical Assistance
• This policy offers you Lifelong Renewal.
• Allows Health insurance Portability.
• Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.
• 100% of the pre medical expenses are paid to the policyholder.
• Faster Claim Settlement due to single point of contact.

Sub Limits

• Expenses for the pre policy check up are paid back subject to the 100% of the actual expenses.
• No Cost sharing or co-payment applicable.

Waiting Period Clause

• Initial Waiting Period: A waiting period of 90 days from the inception date for all claims to be admissible, under this policy.
• Survival Period Waiting Period: Policy benefits can be availed postthe survival period of 30 days after the date of confirmed diagnosis.