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Bajaj Allianz Critical Illness Insurance Plan

What is the Plan all About?

Bajaj Allianz Critical Illness Insurance plan is a comprehensive critical illness plan which offers a lumpsum benefit to the insured in the event of being diagnosed out of the 10 listed critical illnesses. This plan safeguards the financial stability of the policy owner in regard to the financial expenses for treating life threatening diseases.

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What are the Key Features?

  • Lump sum payout on diagnosis of a critical illness
  • Covers 10 Critical Illnesses
  • Competitive Premium Rates
  • Speedy Claim Settlement
  • Lifetime Renewal
  • Get Tax Benefits under section 80 D

What are the Plan Benefits?

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.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Children: 6 Years Years Adult: 65 Years, Children: 21 Years
Sum Assured 1 Lac 50 Lacs (for 6 Years To 60 Years) 5 Lacs (for 61 Years To 65 Years)
Cover Type Individual/Family -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days -
Freelook Period 15 Days -
Riders Nil -
Plan Type Online -

Exclusions

  • Any critical illness for which care, treatment, or advice was recommended or which was first manifested or contracted before
  • Death with in 30 days following the diagnosis of the critical illness
  • Presence of HIV/AIDS infection
  • Treatment arising from or traceable to pregnancy or childbirth
  • War, invasion, act of foreign enemy, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution
  • Naval or military operations of the armed forces or air force
  • Consequential losses of any kind