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What’s in it for you?
Covers against 10 critical illnesses
Hassle-free in-house claim settlement
Lifetime renewability
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 equip themselves with a health insurance policy that covers critical illnesses, 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
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
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.
Documents list:
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.
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.
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.
This policy provides protection against critical illnesses for a period of 1 year.
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 |
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 |
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.
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.
This policy comes with the benefit of lifetime renewability.
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.
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.
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!
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.
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
(Based on 3,912 reviews & ratings)
Satish Chand Katoch
Hassle Free through web with all option we can review while taking policy.
Ashish Mukherjee
Easiest for anyone, no hassle, no confusion. Great work. Good luck.
Jaykumar Rao
Very user friendly. I got my policy in less than 10 minutes.
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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.
Written By: Bajaj Allianz - Updated: 02nd February 2023
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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