Women play an important role in all our lives, be it as a grandmother, mother, daughter, sister or wife. Our special health insurance plan pays homage to these women who mean so much to us. It is designed exclusively for women to help them tackle critical illnesses that they might face.
Thanks to evolved medical science, they are now empowered to face a serious critical illness or injury head-on. However, these medical treatments can lead to a major financial burden for you and your family, through the mounting costs of hospitalisation, compounded by the loss of employment, in some cases.
Therefore, we have designed a special women’s health insurance cover, keeping in mind the critical illnesses and other additional risks that are faced especially by women.
Our Critical Illness Insurance plan for women provides protection against the risk of 8 life-threatening conditions that can affect women. They can avail the benefits of this plan in the form of a guaranteed cash sum in case they are diagnosed with a life-threatening illness. Let’s look at the 8 life-threatening conditions that are covered under this policy:
Breast cancer
Fallopian tube cancer
Uterine/cervical cancer
Ovarian cancer
Vaginal cancer
Permanent paralysis of limbs
Multi-trauma
Burns
You can now sleep easy knowing that our critical illness insurance cover for women has the following features that protect you against major critical illnesses:
Critical illness cover
This specially designed policy for women provides cover from 8 critical conditions.
Congenital disability benefit
50% of the sum insured would be payable if you give birth to a baby having a congenital disease/disorder. This benefit will be available for the first two children only.
List of congenital diseases covered underthis benefit:
Loss of job cover
If you lose your job within a period of 3 months of the date of diagnosis of any of the critical illness as covered in your policy, we will pay an amount of Rs 25,000 towards loss of employment, if the claim for critical illness benefit is paid under your policy.
Children education benefit
If the claim for critical illness benefit is paid under your policy, we will also pay Rs 25,000 towards the future education of up to 2 children. The amount payable under this section would be restricted to Rs 25,000 for one or more child, put together.
Flexible and convenient
We provide a lump sum claim payout in case you are diagnosed with any of the listed life-threatening conditions.
The entry age for a proposer can be between 21 years to 65 years. The policy can be renewed for a lifetime.
This policy provides cover for one year.
Medical expenses are inching towards the sky and medical emergencies befall you without warning. A critical illness insurance, irrespective of your age, is a safe bet to protect your savings from being hit should you be diagnosed with a life-threatening disease.
Our critical insurance plan for women offers a wide range of benefits and covers women against 8 critical conditions with competitive premium rates:
Premium Table:
SUM INSURED (in Rs) |
Up to 25 years |
26-35 |
36-40 |
41-45 |
46-50 |
51-55 |
50,000 |
250 |
375 |
688 |
1,000 |
1,500 |
2,188 |
1 lakh |
375 |
563 |
1,031 |
1,500 |
2,250 |
3,281 |
1.5 lakh |
500 |
750 |
1,375 |
2,000 |
3,000 |
4,375 |
2 lakh |
625 |
938 |
1,719 |
2,500 |
3,750 |
5,469 |
Service tax extra.
*Additional benefits:
Children education bonus - Rs 25,000 payable if the claim is paid under critical illness section.
Loss of job - Rs 25,000 payable if the claim is admissible under critical illness section.
* Subject to terms and conditions as specified under the policy.
Medical tests required:
SUM INSURED |
21-25yr |
26-35 |
36-40 |
41-45 |
46-50 |
51-55 |
50,000 |
nil |
nil |
nil |
nil |
nil |
nil |
1 lakh |
nil |
nil |
nil |
nil |
FMR,USG |
FMR,USG |
1.5 lakh |
nil |
nil |
nil |
FMR,USG |
FMR,USG,PAP |
FMR,USG,PAP |
2 lakh |
nil |
nil |
nil |
FMR,USG |
FMR,USG,PAP |
FMR,USG,PAP |
Tests:
FMR: Full Medical Report as per our format.
USG: Ultrasonography of abdomen and pelvis.
PAP: PAP smear test.
Note: We regret that expecting mothers cannot purchase this policy. However, this policy can be bought three months after delivery.
Medical tests are to be done by you. We can also arrange a medical test with our network clinics but the cost will have to be borne by you.
Bajaj Allianz Women-Specific 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.
Yes, you can cancel your Women-Specific Critical Illness Insurance. If you are not satisfied with the insurance coverage or terms and conditions; you have the option of cancelling the policy within 15 days of receipt of the first policy documents, provided there has been no claim. Free look period is not applicable for renewal policies.
No, this is not a mediclaim. Unlike a hospitalisation or mediclaim cover; under this cover, we make a lump sum cash payment on diagnosis of any of the critical illnesses listed in the insurance policy. You do not have to get hospitalised or show medical bills to make a claim under this policy. The claim is payable the moment any critical illness is diagnosed and if none of the exclusions under the policy apply.
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You care for everyone, we care for you!
Unique features like Loss of Job and Children Education benefit.
Low premium
You can avail low and age-agnostic premium amounts.
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 Women-Specific Critical Illness Insurance policy, 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.
Hassle-free claim settlement
Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Read more
Hassle-free claim settlement
Our in-house claim settlement team 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.
Renewability
You can renew your policy for your entire lifetime.
Entire Sum Insured amount payable on diagnosis of a listed critical illness.
Critical illness
Covers life-threatening diseases that may affect women.Children education benefit
Provides a children education bonus to up to 2 children in case you are diagnosed with any of the listed critical conditions.
Loss of job cover
You receive a benefit payable in case of loss of employment due to diagnosis of a critical illness.Congenital disability benefit
50% of the sum insured would be payable if you give birth to a baby having a congenital disease/disorder.For breast cancer
For breast cancer
For fallopian tube cancer
For cervical cancer
For cervical cancer
For ovarian cancer
For ovarian cancer
Vaginal cancer
Congenital diseases
Burns
Multi-trauma
Other exclusions
Any critical illness for which care, treatment, or advice was recommended by or received from...
Read moreOther exclusions
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Written By: Bajaj Allianz - Updated: 18th February 2021
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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