1
Claim Assistance
Get In Touch

Sales :1800-209-0144 Service Chat :+91 75072 45858

Criti Care Policy

Bajaj Allianz Criti Care Insurance
Criti Care Policy

Critical illnesses insurance policy for you

Please enter name
Call Us
Retrieve quote
Please enter valid quote reference ID

What’s in it for you?


Cancer Care,
It covers early as well as Advance stage of cancer


Multi Year Policy,
can be taken for 1/2/3 years


43 Critical Illness covered

Why Bajaj Allianz Criti Care policy?

Critical illnesses have a significant impact on a person’s life and surroundings. It can lead to mental stress and emotional trauma in an individual’s life. Consequently, the financial burdens they bring along are tremendous, and the person, as well as his family, struggle to meet the basic necessities of life. 

To support this, Bajaj Allianz came up with the Criti Care policy to cover a range of critical ailments that an individual may fall prey to in the course of life. This critical illness insurance plan will act as a vanguard against heavy costs associated with the treatment of certain life-threatening diseases.

KEY FEATURES

  • Base Coverage available under the policy

    A wide range of Critical Illnesses covered (total 43 illnesses) which are segregated into 5 broad categories viz. Cancer Care, Cardiovascular Care, Kidney Care, Neuro Care, Transplants Care and Sensory Organ Care.

    To name a few of the Critical Illnesses- 

    •    Kidney failure,
    •    Cancer,
    •    Cardiovascular diseases, including angioplasty procedure and Heart Transplant,
    •    Stroke and brain surgery, and
    •    Major organ transplantation including bone marrow transsplantation
  • Policy Type

    Criti Care health insurance is available on Individual Sum Insured basis wherein each family member will have his/her own separate Sum Insured. It allows the person to choose an option from a wide range of sum assured.

  • Multi-Year Policy

    The Policy can be taken for 1/2/3 years.

    Under normal circumstances, the policy can be renewed with all benefits granted available under the policy. Also, the policy provides a Grace period of 30 days from the date of Expiry.

  • Premium Payment in instalment

    The policy can be paid in instalments under some terms and conditions. Also, zero interest will be charged if the person does not pay the instalment on the specified due date. A relaxation period of 15 days would be provided to the individual to pay the instalment premium due for the Policy. But failure to pay the premium within the relaxation period tantamount to policy cancellation.

  • Sum Assured

    The amount provided to the insured person according to their plan is the sum assured. This assured sum varies according to the section chosen and the age of the individual. 

    Under all the five sections

    •      Minimum SA for entry age 18-65 yrs is 1 lac.
    •      Maximum SA for entry age up to 60 yrs is 50 lac per section.
    •      Maximum SA for entry age between 61-65 is 10 lac per section.

    Note: 

    a.    Per member Sum Assured will be maximum 2Cr

    b.    The Policy has 5 Sections. Each of these five sections comprises two categories, namely Category A which covers minor/early stages of disease and Category B which covers major/advanced stages of disease.

Some Additional Benefits and Discounts of Bajaj Allianz Criti Care

Categories covered under each section and Discounts

Cancer Reconstructive Surgery:

If your claim under Category B of Section I (Cancer Care) is approved, Bajaj Allianz will pay Read more

Cancer Reconstructive Surgery:

If your claim under Category B of Section I (Cancer Care) is approved, Bajaj Allianz will pay an additional 10% of the Sum Insured. A lump sum benefit amount is appropriated for Cancer Reconstructive Surgery (such as breast, head, or neck) for the Insured.

Cardiac Nursing:

If your claim under Category B of section II (Cardiovascular Care) is approved, Bajaj Allianz will pay Read more

Cardiac Nursing:

If your claim under Category B of section II (Cardiovascular Care) is approved, Bajaj Allianz will pay an additional 5% of the Sum Insured. A lump sum benefit amount is directed for Cardiac Nursing for the Insured.

Dialysis Care:

If your claim under Category B of section III (Kidney Care) is approved, Bajaj Allianz will pay Read more

Dialysis Care:

If your claim under Category B of section III (Kidney Care) is approved, Bajaj Allianz will pay an additional 10% of the Sum Insured. A lump sum benefit amount is directed for Dialysis Care for the Insured.

Physiotherapy Care

If your claim under Category B of section IV (Neuro Care) is approved, Bajaj Allianz will pay Read more

Physiotherapy Care:

If your claim under Category B of section IV (Neuro Care) is approved, Bajaj Allianz will pay an additional 5% of the Sum Insured. A lump sum benefit amount is directed for Physiotherapy Care for the Insured.

Sensory Care

If your claim under Category B of section V (Transplants Care And Sensory Organs Care) is approved, Read more

Sensory Care:

If your claim under Category B of section V (Transplants Care And Sensory Organs Care) is approved, Bajaj Allianz will pay an additional amount of 5% of the Sum Insured. A lump sum benefit amount is directed for the Insured undergoing speech therapy, hearing loss treatments such as Cochlear implants.

Wellness Discount

Any person insured under the Bajaj Allianz Criti Care health insurance policy is eligible for a 5% discount at Read more

Wellness Discount:

Any person insured under the Bajaj Allianz Criti Care health insurance policy is eligible for a 5% discount at each renewal. However, the person has to maintain a fit and healthy lifestyle by indulging in physical activities regularly. By physical activity, it is signified that a minimum of 15,000 steps every week or 60,000 steps every month are taken.

 

This wellness discounted can be redeemed once a year, provided that the insured submits the test reports conducted in a well-developed laboratory.

Long Term Policy Discount

If the policy is opted for two years, a 4% discount is applicable. Read more

Long Term Policy Discount

  • If the policy is opted for two years, a 4% discount is applicable.
  • If the policy is opted for three years, an 8% discount is applicable.

 

Note: These discounts are not applicable if the insured has chosen the instalment premium option

Online Discount

For all the policies booked online through the website, the direct customers will receive a discount benefit of 5%.

Download Health Insurance Documents

Set Renewal Reminder

Please enter name
+91
Please enter valid mobile number
Please select date

Thank you for your interest. We will send you a reminder when your policy is due for renewal.

Knowing what your policy covers helps you choose the right insurance plan

Important points to note before buying Criti Care Insurance Policy

  • Inclusions
  • Exclusions

Section I : Cancer Care

This section covers early stage as well as advanced stages of cancer

Section II : Cardiovascular Care

This section covers heart related critical illnesses and covers expenses for angioplasty also.

Section III : Kidney Care

This section covers minor and major surgery related to kidney such removal of one kidney and kidney transplant surgery etc.

Section IV : Neuro Care

This section covers critical illnesses related to brain or nervous system.

Section V : Transplants Care and Sensory Organ Care

This section covers transplants for organs such as lung or liver in case of failure. It also covers sensory organ dysfunction like blindness, deafness etc.

1 of 1

Waiting Period

If the insured contracts a critical illness or its signs and symptoms are diagnosed within the first 180/120 days

Read more

Waiting Period:

If the insured contracts a critical illness or its signs and symptoms are diagnosed within the first 180/120 days of the date of commencement of the First Policy, it will not be included under the insurance.

However, it is not excluded when the coverage has been renewed for subsequent years without a break.

The claim benefit is paid only after the insured has survived for 0/7/15 days, as mentioned in the policy schedule from the date of diagnosis to the fulfilment of critical illness.

Sexually Transmitted Diseases

Sexually Transmitted Diseases Will not be included under the insurance.

Congenital disabilities and anomalies

If the disease is arising as a result of congenital disabilities and anomalies will not be included under the insurance.

Exceptions like

No matter if declared or not, any type of war, the act of a foreign enemy, military or usurped power, riot, strike, lockout, military or popular uprising, etc.

Natural disasters

Natural disasters like storm, tempest, avalanche, earthquake, volcanic eruptions, hurricane, or any other natural hazard).

Radioactive contamination

Disease caused by radioactive contamination.

Suicidal attempt / participation in an illegal / criminal activity

Injuries caused by suicidal attempt or by participation in an illegal or criminal matter with a criminal intention.

Intoxicating drugs / alcohol

Misuse or overdose of intoxicating drugs or alcohol except if directed by a medical practitioner.

1 of 1

Customer Stories

Average Rating:

4.75

(Based on 3,912 reviews & ratings)

Faiz Siddiqui

VIKRAM ANIL KUMAR

I am truly delighted at the cooperation you have extended to me in facilitating the renewal of my Health Care Supreme Policy.  Thank you very much. 

Rekha Sharma

PRITHBI SINGH MIYAN

Good Claim settlement service even during Lockdown. So that I have sell Bajaj Allianz Health Policy to maximum customer's

Susheel Soni

AMAGOND VITTAPPA ARAKERI

Excellence service by Bajaj Allianz, hassle free service, friendly site to customers, easy and simple to understand and operate. Thanks to the team for serving customers with all the happiness and pleasure...

Critical Care Policy FAQs

Definition of critical illnesses

Means an illness, sickness or a disease or a corrective measure as specified in terms and conditions of this Policy.

What is the benefit of fixed benefit policy?

Fixed benefit health insurance is a health insurance type in which the sum insured amount to be paid out is fixed.

What is a pre-existing disease?

Pre-Existing Disease means any condition, ailment or injury or disease a. That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement. For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement.

Written By: Bajaj Allianz - Updated: 08th April 2021

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Excecutive will call you back shortly to assist you through the Process.

Request Call Back

Please enter name
+91
Please enter valid mobile number
Please select valid option
Please select the checkbox

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Please enter valid quote reference ID

  • Select
    Please select
  • Please write your comment

Getting In Touch With Us Is Easy

  • Customer Login

    Go
  • Partner Login

    Go
  • Employee Login

    Go
Sales & Service Guide