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Women Specific Critical Illness Insurance

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Key Features

  • Tailor made plan for females
  • Add on benefits like children education bonus and loss of job expenses
  • Lifetime renewal facility
  • Provide lump sum benefit amount
  • Income tax benefit under section 80D
  • Hassle free in-house claim process

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Critical Illness Cover for Women

This is a women-specific Critical Illness Insurance scheme that provides you protection against the risk of 8 critical illnesses.It gives you the security of knowing that a guaranteed cash sum will be paid in case you are diagnosed with a life-threatening illness.

Click each illness below to learn more about it

This Is Not Mediclaim

Unlike a hospitalization or mediclaim cover, under a critical illness cover the insurer makes a lump sum cash payment on diagnosis of any of the critical illnesses listed in the insurance policy. You do not have to get hospitalized or show medical bills to claim under this policy. The claim is payable the moment any critical illness is diagnosed and none of the exclusions under the policy apply.
Note: Please read the exclusions section carefully.

What They are Saying?

I didn't even know that a critical illness cover for women specific illnesses was available in the market. Bought this immediately. Makes sense!


I am a part of the Bajaj Allianz team and I have bought this policy for myself. Considering the stress in our everyday lives and our lifestyle, I seriously recommend this policy to every girl my age.
Aditi, 25 years, Pune


Additional Benefits

  1. Congenital Disability Benefit (50% of Sum insured)

    An amount equal to 50% of the sum assured will be payable under the plan on the birth of the child with any one or more of the Congenital Disabilities listed below and the child survives 30 days from the date of diagnosis. This benefit will be available for first two children only and will not be available if the birth of the child occurs after the proposer attains the age of 40 years.

    List Of the Congenital diseases /defects

    • Down's syndrome:
    • Congenital cyanotic heart disease:
    • Tracheo-esophageal fistula:
    • Cleft Palate with or without cleft lip:
    • Spina bifida:

    Down's syndrome:

    • Oblique eye fissures with skin folds on the inner corner of the eyes
    • muscle hypo-tonia (poor muscle tone)
    • a single palmar fold
    • a protruding tongue (due to small oral cavity, and an enlarged tongue near the tonsils)
    • Most individuals with Down syndrome have mental retardation in the mild to moderate range
    • In addition, individuals with Down syndrome can have serious abnormalities affecting any body system. They also may have a broad head and a very round face

    Congenital cyanotic heart disease:

    • A hole between the two bottom chambers (ventricles) of the heart Ventricular septal Defect.
    • A narrowing of the right ventricular outflow tract and can occur at the pulmonary valve (valvular stenosis).
    • An aortic valve with biventricular connection, that is, it is situated above the ventricular septal defect and connected to both the right and the left ventricle.
    • The right ventricular wall increases in size causing a characteristic boot-shaped (coeur-en-sabot) appearance as seen by chest X-ray.
    • It is the most common cyanotic heart defect, representing 55-70%, and the most common cause of blue baby syndrome

    Tracheo-esophageal fistula

    • An abnormal connection (fistula) between the esophagus (food pipe) and the trachea (wind pipe).
    • Tracheoesophageal fistula is suggested in a newborn by copious salivation associated with choking, coughing, and cyanosis coincident with the onset of feeding.
    • Once diagnosed, prompt surgery is required to allow the baby to take in food.

    Cleft Palate

    • Cleft palate is a condition in which the two plates of the skull that form the hard palate (roof of the mouth) are not completely joined.
    • The hole in the roof of the mouth caused by a cleft connects the mouth directly to the nasal cavity.
    • A cleft lip or palate can be successfully treated with surgery soon after birth.

    Spina Bifida

    • "split spine" is a developmental birth defect involving the incomplete closure of the neural tube in developmental stage which results in an incompletely formed spinal cord.
    • The most common location of the malformations is the lumbar and sacral areas of the spinal cord.
    • Myelomeningocele is the most significant form and it is this that leads to disability in most affected individuals.
    • Spina bifida can be surgically closed after birth, but nerve damage is permanent and this does not restore normal function to the affected part of the spinal cord.
  2. Children Education Bonus In the event of a Claim being admissible under Section I (Critical Illness) the policy will pay Children's Education Bonus for future education of the children (one or more). The amount payable under this section would be restricted to Rs 25000/- for one or more child put together.
  3. Loss of Job: In the event of the insured person losing her job within a period of 3 months of the date of diagnosis of any of the Critical Illness as covered in the policy, the policy will pay an amount of Rs 25000/- towards loss of employment. For a claim to be admissible under this section the claim under Section. I should be admissible.
    • Specific Exclusions for loss of Job: Loss of Job due to voluntary resignation from service is excluded.

How Much Does it Cost?

* The details furnished above do not constitute the entire terms and conditions, Please refer the policy wordings for definitions, exclusions, terms and conditions.
Premium Table:

SUM INSURED Upto 25 Yrs 26-35 36-40 41-45 46-50 51-55
50000 250 375 688 1000 1500 2188
100000 375 563 1031 1500 2250 3281
150000 500 750 1375 2000 3000 4375
200000 625 938 1719 2500 3750 5469

Service Tax Extra

*Additional Inbuilt Benefits:

Children Education Bonus - Rs 25000/- payable if the claim is paid under Critical Illness Section

Loss of Job - Rs 25000/- payable if the claim is admissible under Critical Illness section

* Subject to terms & conditions as specified under the policy

Medical Tests Required

SUM INSURED 21-25yr 26-35 36-40 41-45 46-50 51-55
50000 nil nil nil nil nil nil
100000 nil nil nil nil FMR,USG FMR,USG
150000 nil nil nil FMR,USG FMR,USG,PAP FMR,USG,PAP
200000 nil nil nil FMR,USG FMR,USG,PAP FMR,USG,PAP

Tests:

FMR: Full Medical Report as per Bajaj Allianz Format

USG: Ultrasonography of Abdomen and Pelvis

PAP: PAP Smear Test

Note: We regret that expecting mothers cannot purchase this policy at this time. However, this policy can be bought three months post delivery.

Medicals are to be done by the customer. Bajaj Allianz can also arrange medical test with our network clinics but the cost will have to be borne by the customer.


What is not Covered Explained in Broad-print

The full range of benefits available and the exclusions that apply under the policy is detailed in the policy document. A copy of the policy wording is available on request, and will be sent to you upon the acceptance of your proposal. If you have any questions, please contact us or your insurance advisor.

Not Sure?

Call us now at 020-66495000 and we will explain all the medical terms to you in plain and simple language. All our representatives are women. They will consult a resident female doctor in case your queries are not resolved.


Exclusions

Despite the extensive coverage offered by this policy, there are a few exclusions that you need to know about. We suggest you read this section carefully before making your purchase decision. If you have any queries, please call us at: 020-66495000. Our female representatives will help you understand the terminologies better. Our team of female doctors will answer any in-depth queries you may have.


Exclusions for Breast Cancer
  • Tumours that are histologically (the study of the structure of cells and tissues) described as pre-malignant (A precancerous condition) and Ductal /Lobular carcinoma in situ (location) of the breast.
  • Breast Lumps e.g. fibro adenoma, fibrocystic diseases of breast etc.
  • All hyperkeratoses or basal cells carcinomas, melanomas, squamous cell carcinoma, Kaposi's sarcoma and other tumors associated with HIV infections or AIDS of the skin

Learn more about the technical terms listed above

  • Ductal carcinoma in situ (DCIS), or inter-aductal carcinoma, is breast cancer in the lining of the milk ducts that has not yet invaded nearby tissues. It may progress to invasive cancer if untreated.
  • Lobular carcinoma in situ (LCIS) is a marker for an increased risk of invasive cancer in the same or both breasts.
  • Fibro adenoma, fibrocystic diseases of breast - Fibrocystic changes (formerly called fibrocystic breast disease) include breast pain, cysts, and lumpiness that are not due to cancer.
  • Hyperkeratoses or basal cells carcinomas, melanomas, squamous cell carcinoma, Kaposi's sarcoma are types of Skin Cancers and not breast cancers.

More information on these medical conditions can be found here: http://en.wikipedia.org/wiki/Lobular_carcinoma_in_situ


Exclusions for Fallopian Tube Cancer:
  • Carcinoma in situ
  • Dysplasia
  • Inflammatory masses
  • Hydatidiform mole
  • Trophoblastic tumours

Learn more about the technical terms listed above:

  • Carcinoma in situ - Stage 0 - cancer limited to the inner lining of the Fallopian Tube.
  • Dysplasia is a term used for abnormality of development. This generally consists of an expansion of immature cells, with a corresponding decrease in the number and location of mature cells.
  • Trophoblastic tumours appear when cells in the womb start to grow out of control. Cells grow in the tissues that are formed following conception (the joining of sperm and egg). Gestational trophoblastic tumors (GTD) start inside the uterus, the hollow, muscular, pear-shaped organ where a baby grows. This type of cancer occurs in women during the years when they are able to have children
  • Hydatidiform molem, is a rare mass or growth that forms inside the uterus at the beginning of a pregnancy. It is a type of gestational trophoblastic disease (GTD) pregnancy-related tumours. For more information read: http://en.wikipedia.org/wiki/Gestational_trophoblastic_disease

Exclusions for Cervical Cancer:
  • Tumours showing the malignant changes of carcinoma in situ (early form of cancer that is defined by the absence of invasion of tumor cells into the surrounding tissue, usually before penetration through the basement membrane)(including cervical dysplasia CIN-1, CIN-2, and CIN- 3)
  • Squamous Intraepithelial Lesion (SIL)
  • Fibroid, endometriosis, cystic lesions, Hyperplasia of any type presenting as tumors
  • Hydatidiform mole, trophoblastic tumours

Learn more about the technical terms listed above

Various stages of the cancer:

  • Mildly abnormal (CIN I) - observation preferred
  • More abnormal (CIN II) - treatment required
  • Precancer stage(CIN III) - treatment required
  • Cancer - Gynecologic oncology consultation
  • Squamous Intraepithelial Lesion, refers to abnormal growth of epithelial (Epithelial tissues line the cavities and surfaces of structures throughout the body, and also form many glands)cells on the surface of the cervix, commonly called squamous cells. This condition can lead to cervical cancer, but can be diagnosed using a Pap smear test (a screening test used to detect pre-cancerous and cancerous processes in the endocervical canal (transformation zone) of the female reproductive system.)
  • Endometriosis is a common health problem in women. Endometriosis occurs when this tissue grows outside of the uterus on other organs or structures in the body like Ovaries, Fallopian tubes, Tissues that hold the uterus in place, Outer surface of the uterus and lining of the pelvic cavity.
  • Hydatidiform molem, is a rare mass or growth that forms inside the uterus at the beginning of a pregnancy. It is a type of gestational trophoblastic disease (GTD) pregnancy-related tumours. For more information read http://en.wikipedia.org/wiki/Gestational_trophoblastic_disease
  • Trophoblastic tumours, appear when cells in the womb start to grow out of control. Cells grow in the tissues that are formed following conception (the joining of sperm and egg). Gestational trophoblastic tumors (GTD) start inside the uterus, the hollow, muscular, pear-shaped organ where a baby grows. This type of cancer occurs in women during the years when they are able to have children

Exclusions for Ovarian Cancer:
  • Non cancerous (benign) ovarian masses including abscesses or infections, fibroids, cysts, polycystic ovaries, endometriosis - related masses (s a gynecological medical condition in which cells from the lining of the uterus (endometrium) appear and flourish outside the uterine cavity, most commonly on the ovaries)
  • Hydatidiform molem, is a rare mass or growth that forms inside the uterus at the beginning of a pregnancy. It is a type of gestational trophoblastic disease (GTD) pregnancy-related tumours. For more information read http://en.wikipedia.org/wiki/Gestational_trophoblastic_disease
  • Trophoblastic tumours, appear when cells in the womb start to grow out of control. Cells grow in the tissues that are formed following conception (the joining of sperm and egg). Gestational trophoblastic tumors (GTD) start inside the uterus, the hollow, muscular, pear-shaped organ where a baby grows. This type of cancer occurs in women during the years when they are able to have children

Exclusions for Vaginal Cancer:
  • Vulval (External reproductive organ) cancers/tumors
  • Vaginal /Vulval granulomatous (Ulcerative) diseases

Exclusions for Congenital Diseases:
  • This benefit will be available for the first two children only.
  • It will not be available if the birth of the child occurs after the proposer attains the age of 40 years.

Other Exclusions:
  • Any critical illness for which care, treatment, or advice was recommended by or received from a physician, or which first manifested itself or was contracted before the start of the policy period, or for which a claim has or could have been made under any earlier policy.
  • Any Critical illness diagnosed within the first 90 days of the date of commencement of the Policy is excluded.
  • Death with in 30 days following the diagnosis of the critical illness.
  • Treatment arising form or traceable to pregnancy or childbirth, including caesarean section and birth defects.
  • War, invasion, act of foreign enemy, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution.
  • Radioactive contamination
  • Intentional self-injury and/ or the use or misuse of intoxicating drugs and/ or alcohol.
  • Intentional losses of any kind, be they by way of loss of profit, loss of opportunity, loss of gain, business interruption etc.

Exclusion for Burns:

Radiation induced burns are specifically excluded.


Exclusion for Multitrauma:

Fracture at single site on the body, Injuries involving fractures of small bones of hand, feet, ribs even if multiple are excluded. These exclusions are applicable to any type of fracture such as open or closed, displaced or undisplaced, simple or compound types.


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