Entry Age

Policy Period and Renewal

• Annual policy.
• Grace period of 30 days for renewal.

Sum insured options

• Rs. 50,000.
• Rs. 1,00,000.
• Rs. 1,50,000.
• Rs. 2,00,000.

Coverage

Critical Illness cover gives 100% sum insured on the diagnosis of any of the following 8 critical illnesses:

• Breast Cancer
• Fallopian Tube Cancer.
• Uterine/Cervical Cancer.
• Ovarian Cancer.
• Vaginal Cancer.
• Permanent paralysis of limbs.
• Multitrauma.
• Burns.

Congenital Disability benefit covers the first two children. It gives 50% of the sum insured if the insured person gives birth to a baby that has any of the the following congenital diseases/disorders:

• Down’s syndrome.
• Congenital cyanotic heart disease:
• Tetrology of Fallot.
• Transportation of Great Vessels.
• Total anomalous pulmonary venous drainage.
• Truncus Arteriosus.
• Tricuspid Artesia.
• Hypoplastic Left Heart Syndrome.
• Tracheo-esophageal fistula.
• Cleft palate with or without cleft lip.
• Spina bifida.

Benefits

Children’s Education Bonus

• If the claim has been paid under the policy, Bajal Allianz will also pay Rs. 25,000 totally towards the education of one or both children (maximum of two).

Loss of Job

• If the insured person loses her job within 3 months of being diagnosed, Bajaj Allianz will pay Rs. 25,000 towards loss of employment.

Tax benefit

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.

Special conditions

• Critical illness benefit is payable only if the diagnosis meets specific criteria and the insured person survives for 30 days after initial diagnosis.
• Congenital disability benefit is payable only if the child survives for 30 days after the diagnosis.
• Insured person needs to submit a claim form and a certificate from a medical professional confirming the critical illness or congenital disability.
• Insured person must have conceived during the policy period for congenital disability claims to be honoured.

Pre-policy medical examination criteria

• Mandatory if proposer is over 41 years of age.
• Full medical report, ultrasound of abdomen and pelvis, PAP smear test are vitally important.

Exclusions

• Critical illnesses for which advice was already received by a medical professional and has been claimed under an earlier policy.
• 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. This does not apply to the congenital disabilities benefit provision of the policy.
• Occupational diseases.
• War, natural disasters.
• Intentional self-injury.
• Drug and / or alcohol abuse.
• Radioactive contamination.
• Cleft palate with or without cleft lip – cleft lip alone is excluded.
• Spina bifida occulta is excluded.