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Bajaj Allianz Critical Illness Plan

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Traditional insurance plans cover your dependent family in the event of your premature demise. But what if a critical illness left you disabled and unable to provide for your family? It’s highly likely that the medical expenses to treat a critical illness could empty out your savings, leaving you hanging with no financial security. This is where Bajaj Allianz Critical Illness Plan comes into force, taking care of your medical expenses for critical illnesses.

Check Your Eligibility

Features & Benefits - Bajaj Allianz Critical Illness Plan:

Entry Age
  • 18 years to 65 years for proposer/spouse.
  • 6 years to 21 years for dependent children.
Policy Period and Renewal
  • Annual policy.
  • Lifetime renewability.
  • 30-day grace period for renewal.
Coverage A lump sum will be paid on the diagnosis of one of following ten critical illnesses that are covered, subject to the policy terms and conditions:
  • First Heart Attack (Myocardial Infraction).
  • Open chest CABG (Coronary Artery Disease requiring Surgery).
  • Stroke resulting in permanent symptoms.
  • Cancer of specified severity.
  • Kidney failure requiring regular dialysis.
  • Major organ transplant.
  • Multiple sclerosis with persisting symptoms.
  • Aorta surgery.
  • Primary pulmonary arterial hypertension.
  • Permanent paralysis of limbs.
Sum insured options
  • Rs. 1,00,000 to Rs. 50,00,000 for those between 6 years to 60 years of age.
  • Rs. 1,00,000 to Rs. 5,00,000 for those aged between 61 years to 65 years.
Features
  • Benefit amount is payable if the person insured survives the first 30 days after the diagnosis.
  • Diagnosis must meet predetermined criteria.
  • Insured person can use the amount for traditional treatment, lifestyle changes, donor expenses, planned treatment outside India, etc.
  • Competitive premium rates.
Tax benefit Premiums paid on this policy are exempt under Section 80D of the Income Tax Act.
Benefits of In-House claims processing
  • Team consists of doctors and paramedics responsible for health underwriting and claims settlement.
  • Single window assistance.
  • Faster claim settlement.
  • Single point of contact that’s effective and quick in resolving grievances.
  • Better control over claim settlement and customer service.
Value Added Services (VAS) This policy allows for discounts at selects outlets on:
  • Wellness tests, sample collection, doctor’s visits.
  • OPD discounts.
  • Pharmacy discounts.
  • Eye care.
  • Dental care.
Pre-policy medical examination criteria
  • Pre-policy medical examination is advised based on the age, sum insured and adverse health declaration of the person insured.
  • Check-up will be arranged at an empanelled diagnostic centre.
  • Test reports will be valid 30 days from examination.
  • 100% of the standard medical test charges will be reimbursed if the testing is done at an empanelled diagnostic centre, subject to acceptance of the policy.
Exclusions
  • Intentional self-injury.
  • Drug and/or alcohol abuse.
  • Radioactive contamination.
  • STDs caused by or associated with Human T-Cell Associated Virus type III, Lymphadinopathy Associated Virus, AIDS or any deficiency syndrome similar to it.
  • Critical illnesses diagnosed within 90 days of the date the policy commences.
  • Treatment traceable to pregnancy, childbirth or postpartum complications.
  • Critical illnesses for which advice was already received by a medical professional and has been claimed under an earlier policy.

Critical illnesses in today’s world are being detected and treated with top of the line medical technology and equipment, which hospitals acquire at a huge cost. Specialist doctors and medical professionals who are trained in treating critical illnesses charge huge amounts for consultations and treatment. Also, if the hospital you are admitted in is of a particularly high standard, they will have running costs that are higher than most other hospitals.

While these factors mean that you will receive the best healthcare treatment possible, it also means that you will be dangling your wallet over a bottomless pit of debt. All these factors add up to your already high medical expenses, making the Bajaj Allianz Critical Illness plan a practical safety net to carry you through your treatment.

Being covered under this health insurance policy can be the life-saving boost of funds you need to recover from your critical illness.

*Disclaimer: Please chose your policy wisely after careful consideration of all policy documents and literature therein. Diligent examination and scrutiny of terms and conditions, exclusions (if any) and conditions on premium payments is strongly advised. This article is purely informational and is not designed to influence your decision in any way.

Find cashless network hospitals nearby: BAJAJ Allianz Health Insurance Network Hospitals

Also Read: Check Incurred Claim Ratio of Health Insurers

Also Read: Best Health Insurance Plans of 2017

Also Read: How to File a Claim with Bajaj Allianz?

Other Health Insurance Plans from Bajaj Allianz

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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Bajaj Allianz Critical Illness Plan Reviews

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  • Bajaj Allianz Health Insurance
    "Good benefits "
    0.5 4.0/5 "Great!"
    The policy is really good.10years health coverage is offered through this medical plan.I have not yet claimed through Bajaj Allainz.They do cover 22 critical illness under the plan which is more beneficial for a health Insurance covered person.
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    , new delhi
    Reviewed on Aug 04, 2016
  • Bajaj Allianz Health Insurance
    "Good experience"
    0.5 4.0/5 "Great!"
    I have a Medical Insurance policy with Bajaj Allianz. It covers only in case of minimum 24 hours hospitalisation and has a family cover. The critical illness cover is for a lakh and this is taken for a year and has to be renewed every year. Only drawback with the policy is that only some hospitals are covered under the cashless hospitalisation list.
    Was this review helpful? 0

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    , chennai
    Reviewed on Apr 12, 2016
  • Bajaj Allianz Health Insurance
    "Disappointed with their service and customer response"
    0.5 2.0/5 "Expected more"
    I had a Mediclaim policy with Bajaj Allianz around 2-3 years back. I paid a premium amount of Rs.1800 approximately. I make my payments in cash at their office as there is bad network coverage in my area so could not make the payments online. It covers hospitalisation, bed charges and critical illness. However I never had the opportunity to use or claim it while the policy was valid.
    Was this review helpful? 0

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    , mumbai
    Reviewed on Apr 11, 2016
  • Bajaj Allianz Health Insurance
    "Everything is being covered..."
    0.5 5.0/5 "Blown Away!"
    All types of critical illness are being covered on the Bajaj Allianz health insurance. Might be some 50lakhs is the medical coverage and this is like employee benefit. Start from the first year they cover pre existing diseases. I been enrolled my family and paid something extra for them.
    Was this review helpful? 2

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    , bangalore
    Reviewed on Feb 05, 2016
  • Bajaj Allianz Health Insurance
    "It is great.."
    0.5 3.0/5 "Satisfactory"
    It is easy to pay the premium in Bajaj Allianz General insurance. Coverage in this health insurance is around 3lakhs. When I went to purchase some product, that time one of the sales representative advised me to take it. I just need to pay 7 months and this covers all critical illness for 14 years. Almost 14 diseases are covered under this insurance.
    Was this review helpful? 0

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    , jamshedpur
    Reviewed on Sep 29, 2015
  • Bajaj Allianz Health Insurance
    "Wonderful.."
    0.5 5.0/5 "Blown Away!"
    Infact the tenure is for five years where I just need to pay premium for five months like 1000 in a month. All the critical illness are being covered in Bajaj Allianz General Insurance but except maternity. Three members are dependents and coverage is of 5lakhs. I received the health insurance agreement in a month.
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    , coimbatore
    Reviewed on Aug 25, 2015
  • Bajaj Allianz Health Insurance
    "Wonderful..."
    0.5 5.0/5 "Blown Away!"
    This is our corporate insurance so cashless benefits are more. In addition, coverage is very good and Bajaj Allianz General insurance is covering most of the critical illness. For me the coverage is 2lakhs and for my spouse it is 1lakh, I guess. I did not experience with them for health insurance but I have seen my friends experience so as on that glad.
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    , bhopal
    Reviewed on May 22, 2015
  • Bajaj Allianz Health Insurance
    "Good "
    0.5 3.0/5 "Satisfactory"
    Its really good to have a health Insurance with Bajaj Alliance and I am really happy with the service provided by them.They do cover all critical Illness in this medical coverage which offers coverage upto 7-8lakhs and I donâ??t have any claim experience with them as of now.Its basically a 40years plan in which I pay a premium amount of 1000Rs monthly for 3 years and after that it will provide coverage for 40years.The do offer cashless treatment which is really good.
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    , bangalore
    Reviewed on May 02, 2015
  • Bajaj Allianz Health Insurance
    "No good experience!!!"
    0.5 1.0/5 "Really Bad"
    The person of Bajaj Alliaz General Insurance mentioned that after three years they would cover all the critical illness and when I went post three years for renewal, I was told that the health insurance is bond of three years, which ever informed to me. Bajaj did not increase the coverage as they kept same for three years. The agent gave wrong information so dissatisfied.
    Was this review helpful? 1

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    , ghaziabad
    Reviewed on Apr 21, 2015
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