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Critical Illness Insurance Policy

Insurance against critical illness for you and your family

Critical illness cover

Extended insurance for critical times

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What’s in it for you?

Covers against 10 critical illnesses

Hassle-free in-house claim settlement

Lifetime renewability

Why choose Bajaj Allianz Critical Illness Insurance?

A critical illness can have a huge impact on your life. You may not only have to make major lifestyle changes but also cope with unexpected and often, exorbitant medical expenses. The cost of medical aid is soaring and so are the incidents of critical illnesses, which bring with them mounting costs of hospitalisation and medical treatment.

It is, thus, imperative for every individual to be covered with a Critical Illness Insurance policy, because in some cases, these illnesses may lead to the unemployment of a family’s sole earning member. Our Critical Illness Insurance cover is designed to protect you and your family against the financial burden of such life-threatening illnesses.

Our Critical Illness Insurance plan provides protection against major life-threatening conditions such as cancer, organ transplant, heart attack and more. Let’s look at the 10 medical conditions that are covered under this policy:

Aorta graft surgery

Cancer

Coronary artery bypass surgery

First heart attack (myocardial infarction)

Kidney failure

Major organ transplant

Multiple sclerosis with persisting symptoms

Permanent paralysis of limbs

Primary pulmonary arterial hypertension

Stroke

We offer a whole lot when it comes to Critical Illness Insurance

Key Features

With us, you can rest assured knowing that our Critical Illness Insurance cover has the following features to protect you:

  • Critical illness cover

    This policy provides comprehensive insurance cover for 10 critical illnesses.

  • Multiple sum insured options

    • Sum insured options ranging from Rs 1 lakh to Rs 50 lakh for the age group 6 years to 60 years.
    • Sum insured options ranging from Rs 1 lakh to Rs 5 lakh for the age group 61 years to 65 years.
  • Flexible

    Increase your sum insured at the time of your policy’s renewal and avail competitive premium rates.

  • 100% payout

    You can avail the payable benefit once you are diagnosed with a critical illness (given you meet the specific criteria as per the policy and survive 30 days after the disease is diagnosed).

  • Covers you and your family

    This policy covers your entire family; including children above the age of 6 years.

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EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT

Claim Process

  • You, or your loved one who is making the claim on your behalf, must inform us in writing within 48 hours of you being diagnosed with any of the listed critical illnesses.
  • You must immediately consult a doctor and follow the advice and treatment that they recommend.
  • You, or your loved one who is making the claim on your behalf, must, within 30 days of diagnosis of any of the listed critical illnesses, or discharge from the hospital (if admitted), give us the documentation listed below:

Documents list:

  • Critical Illness Insurance claim form duly signed by the insured along with the NEFT form signed by the claimant.
  • A copy of the discharge summary/discharge certificate.
  • A copy of the final hospital bill.
  • First consultation letter for the illness.
  • Medical certificate for the duration of the illness.
  • A copy of all the required investigation reports as per the illness.
  • Medical certification from a specialist.
  • A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.
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LET'S SIMPLIFY HEALTH INSURANCE

What is Critical Illness Insurance?

Critical illness cover is an insurance policy in which you are provided a lump sum payment, in cash, when you are diagnosed with a life-threatening/critical illness. Critical conditions such as cancer, high blood pressure, heart attack, renal failure and other such ailments are covered under this policy.

What is the role of the Health Administration Team?

The Health Administration Team (HAT) comprises of in-house doctors and paramedics who perform activities related to health underwriting and claims settlement. They provide a single window assistance to all the health insurance policyholders for health insurance-related services. This in-house team resolves issues related to health insurance customers. It is a single point of contact that also ensures faster claim settlements.

When can I enhance my sum insured under Critical Illness Insurance policy?

You can apply for the enhancement of the sum insured at the time of your policy’s renewal by submitting a fresh proposal form to us.

What is the policy period?

This policy provides protection against critical illnesses for a period of 1 year.

What is the cost of Critical Illness Insurance?

The occurrence of a critical illness can set you back financially to a great extent because the cost of treatment and hospitalisation expenses of such illnesses are huge. Therefore, a critical illness cover comes in handy in case you are diagnosed with a life-threatening condition. We offer critical illness coverage at competitive premium rates as shown below:

Premium Table

Sum
insured (in Rs)

Age ( in years)

21- 25

26 - 35

36 - 40

41 - 45

46 – 50

51 - 55

56 – 60

1 lakh

200

300

550

800

1,200

1,750

3,000

3 lakh

600

900

1,650

2,400

3,600

5,250

9,000

5 lakh

1,000

1,500

2,750

4,000

6,000

8,750

15,000

10 lakh

2,000

3,000

5,500

8,000

12,000

17,500

30,000

Can I buy critical illness cover online? What are the benefits of buying insurance online?

If you want a quick and hassle-free purchase, buying online is the way to go. We are here to help you to buy critical insurance plan easily and efficiently. Our multiple payment options will further ease your payment woes. Your policy issued online saves you the effort of carrying a physical copy of it and makes it accessible at all times. All these factors, along with proactive customer support, makes buying an insurance policy online a better alternative.

How does critical illness cover help in tax saving?

Bajaj Allianz Critical Illness Insurance policy helps you save tax up to Rs 1 lakh under Section 80D of the Income Tax Act against the premiums you pay. Let’s understand through an example how you can save tax:

On the premium you pay for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.

Protect yourself from the threat of critical illnesses

Around 4000 customers have opted for this policy in the last 6 months.

That’s not all, here are additional benefits with your Critical Illness Insurance We provide extensive cover against critical illnesses along with other benefits:

Renewability

This policy comes with the benefit of lifetime renewability.

Hassle-free claim settlement

We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process. Read more

Hassle-free claim settlement

We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet. 

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act*. Read more

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act*.

*On opting for Critical Illness Insurance policy for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.

Portability benefit

If you are insured under any other critical illness policy, you can switch to this policy with all accrued benefits (after due allowances for waiting periods) to enjoy this policy’s benefits!

Receive entire claim amount on diagnosis of a critical illness.

Important points to note before buying Critical Illness Insurance

  • Inclusions
  • Exclusions

Critical illness cover

Provides cover against 10 critical illnesses and life-threatening conditions.

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Any critical illness for which care, treatment or advice was recommended or which was diagnosed or contracted before the policy issuance.
Any critical illness diagnosed within the first 90 days of policy issuance.
Death within 30 days following the diagnosis of the critical illness.
Presence of HIV/AIDS infection.
Treatment arising from or traceable to pregnancy or childbirth, including caesarean section and birth defects.

Treatment arising due to war, invasion, an act of foreign enemy, terrorism, hostilities (whether war be declared or not), civil war, rebellion or revolution.

Any injury due to naval or military operations of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebels, etc.

Consequential losses of any kind, by way of loss of profit, loss of opportunity, loss of gain, business interruption, etc.

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Customer Stories

Satish Chand Katoch
Satish Chand Katoch

Hassle Free through web with all option we can review while taking policy.

Ashish Mukherjee
Ashish Mukherjee

Easiest for anyone, no hassle, no confusion. Great work. Good luck.

Jaykumar Rao
Jaykumar Rao

Very user friendly. I got my policy in less than 10 minutes.

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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.

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