Why choose Bajaj Allianz Women-Specific Critical Illness Insurance?
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
WE OFFER A WHOLE LOT WHEN IT COMES TO WOMEN SPECIFIC CRITICAL ILLNESS INSURANCE
Key Features
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:
- Down’s syndrome
- Congenital cyanotic heart disease:
- Tetralogy of Fallot
- Transposition of great vessels
- Total anomalous pulmonary venous drainage
- Truncus arteriosus
- Tricuspid atresia
- Hypoplastic left heart syndrome
- Tracheoesophageal fistula
- Cleft palate with or without cleft lip
- Spina bifida
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.
EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT
Claim process
- You or someone claiming on your behalf must inform us in writing immediately within 48 hours of diagnosis of any of the listed critical illnesses.
- You must immediately consult a doctor and follow the advice and treatment that he recommends.
- You or someone claiming on your behalf must submit claim documents within 30 days of diagnosis of any of the listed critical illnesses.
- Documents to be submitted : Critical illness claim form 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. All required investigation reports as per the illness. Medical certification from a specialist. A copy of Aadhaar card or any other government photo ID and PAN card (not mandatory if the same is linked with the policy while issuance or in previous claim).
LET'S SIMPLIFY HEALTH INSURANCE
What is the eligibility for Women-Specific Critical Illness Insurance?
The entry age for a proposer can be between 21 years to 65 years. The policy can be renewed for a lifetime.
What is the policy period for Women-Specific Critical Illness Insurance?
This policy provides cover for one year.
I am a young and healthy woman. Do I really need Women-Specific Critical Illness Insurance?
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.
What is the cost of a Women-Specific Critical Illness Insurance cover?
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.
How does this cover help in saving my tax?
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.
Can I cancel my Women-Specific Critical Illness Insurance?
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.
Is this a mediclaim?
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.
Our happy customers!
ASHISH JHUNJHUNWALA
My happiness and satisfaction regarding my claim settlement which was approved within 2 days...
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Speed with which insurance copy was delivered in times of lockdown. Hats off to the Bajaj Allianz team
Reni George
I would like to thank the team of Bajajallianz Vadodara, Specifically Mr. Hardik Makwana and Mr. Ashish...
You care for everyone, we care for you!
Unique features like Loss of Job and Children Education benefit.
That’s not all here are additional benefits with your Women-Specific Critical Illness Insurance
We provide an extensive cover against critical illnesses for women along with various other benefits: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.
Important points to note before buying Women-Specific Critical Illness Insurance
- Inclusions
- Exclusions
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
- Tumours that are histologically described as pre and ductal/lobular carcinoma in situ (location) of the breast.
- Breast lumps, for example, fibroadenoma, fibrocystic diseases of breast, etc.
- All hyperkeratosis or basal cells carcinomas, melanomas, squamous cell carcinoma, Kaposi's sarcoma and other tumours associated with HIV infections or AIDS of the skin.
For fallopian tube cancer
- Carcinoma in situ
- Dysplasia
- Inflammatory masses
- Hydatid form mole
- Trophoblastic tumours
For cervical cancer
- Tumours showing the malignant changes of carcinoma in situ - an early form of cancer...
For cervical cancer
- Tumours showing the malignant changes of carcinoma in situ - an early form of cancer that is defined by the absence of invasion of tumour cells into the surrounding tissue, usually before penetration through the basement membrane.
- Squamous intraepithelial lesion.
- Fibroid, endometriosis, cystic lesions, hyperplasia of any type presenting as tumours.
- Hydatid form mole, trophoblastic tumours.
For ovarian cancer
For ovarian cancer
- Non-cancerous (benign) ovarian masses including abscesses or infections, fibroids, cysts, polycystic ovaries, endometriosis.
- Hydatid form mole 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 pregnancy-related tumours.
- Trophoblastic tumours appear when cells in the womb start to grow out of control. Cells grow in the tissues that are formed following conception. Gestational trophoblastic tumours start inside the uterus. This type of cancer occurs in women during the years when they are able to have children.
Vaginal cancer
- Vulval cancers/tumours.
- Vaginal/vulval granulomatous diseases.
Congenital diseases
- This benefit will not be available if the birth of the child occurs after you reach the age of 40 years.
Burns
- Radiation-induced burns.
Multi-trauma
- A single fracture.
- Injuries involving fractures of small bones of hand, feet, ribs; even if multiple.
- Any type of fracture such as open or closed, displaced or not displaced, simple or compound types.
Other exclusions
Any critical illness for which care, treatment, or advice was recommended by or received from...
Read moreOther 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 an earlier policy.
- Any critical illness diagnosed within the first 90 days of the date of commencement of the policy.
- Death within 30 days following the diagnosis of the critical illness.
- 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, revolution.
- Treatment arising due to radioactive contamination.
- Intentional self-injury and/or injury due to the use or misuse of intoxicating drugs and/or alcohol.
- Intentional losses of any kind such as loss of profit, loss of opportunity, loss of gain, business interruption, etc.
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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.
Written By: Bajaj Allianz - Updated: 24th December 2020
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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