Health Insurance

Criti Care

CritiCare

Cover Major Critical Illnesses In Less Than ₹1/day*

Protecting You From the Financial Burden of Life-Threatening Illnesses

Coverage Highlights

Get comprehensive coverage for your health
  • Sum Insured as per Severity

The claim disbursal will be as per the severity of the disease covered under the policy

  • Extensive Critical Illness Coverage

Get coverage for 43 critical illnesses as per policy terms

  • Wide Sum Insured (SI) Options

Choose adequate sum insured from 5 lacs to 5 crores that suits your need

  • Lump Sum Payout

Get a lumpsum payout regardless of treatment costs

  • Lifetime Renewal

Option to avail lifetime renewal services (applicable for continuous coverage)

  • Flexible Usage

Avail the payout amount as needed for treatment, medication, or rehabilitation

  • Design Your Own Plan

Option to choose from 5 types of covers that best suits your needs

  • Note

*Premium, for age group of 3 month-25 years, starts at Rs. 126 for SI of ₹1Lac which comes to less than ₹1/day

Inclusions

What’s covered?
  • Cancer Care

Covers critical illness as per category A (25%) and category B (100% sum assured)

  • Cardiovascular Care

Covers critical illness as per category a (25%) and category B (100% sum assured)

  • Kidney Care

Covers critical illness as per category A (25%) and category B (100% sum assured)

  • Neuro Care

Covers critical illness as per category A (25%) and category B (100% sum assured)

  • Transplant Care & Sensory Organs Care

Covers critical illness as per category A (25%) and category B (100% sum assured)

  • Note

Please read policy wording for detailed terms and conditions

Exclusions

What’s not covered?
  • Waiting Period

Critical illness diagnosed within the first 180/ 120 days is excluded unless coverage is renewed without a break as per the policy terms

  • Sexually Transmitted Diseases

Treatment for sexually transmitted diseases are not covered

  • Birth Defects

Expenses for treatment of birth defects and congenital anomalies

  • War and Related Activities

Expenses incurred due to war, invasion, civil war, rebellion, and related events stays

  • Natural Perils

Storms, earthquakes, volcanic eruptions, and other natural hazards are not covered

  • Self-inflicted Injuries

Self-inflicted injuries, suicide attempts, insanity, and illegal acts are not covered

  • Intoxicating Substances

Coverage for treatment required after misuse of drugs and alcohol (except narcotics used under medical direction)

  • Note

Please read policy wording for detailed terms and conditions

Additional Covers

What else can you get?
  • Cancer Reconstructive Surgery

Additional sum assured for reconstructive surgery if a category B cancer claim is accepted

  • Cardiac Nursing

Additional sum assured for cardiac nursing if a category B cardiovascular claim is accepted

  • Dialysis Care

Additional sum assured for dialysis if a category B kidney care claim is accepted

  • Physiotherapy Care

Additional sum assured for physiotherapy if a category B neuro care claim is accepted

  • Sensory Care

Additional sum assured for speech therapy or hearing loss treatments (e.g., cochlear implants) if a category B sensory organs care claim is accepted

Benefits You Deserve

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Flexible Sum Insured Options

Sum Insured options of INR 1Lac- to INR 50Lacs- for age group

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Tax Benefits

Deductions under Section 80D

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Family Coverage

The policy covers the entire family, including children above the age of 6 years

COMPARE TABLE

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Entry Category
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Minimum Entry Age

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Maximum Entry Age

Adult 18 years 65 years
Child 3 months 30 years

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Step-by-Step Guide

To help you navigate your insurance journey

How to Buy

  • 0

    Visit Bajaj Allianz website

  • 1

    Enter personal details

  • 2

    Compare health insurance plans

  • 3

    Select suitable coverage

  • 4

    Check discounts & offers

  • 5

    Add optional benefits

  • 6

    Proceed to secure payment

  • 7

    Receive instant policy confirmation

How to Renew

  • 0

    Login to the app

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

How to Claim

  • 0

    Notify Bajaj Allianz about the claim using app

  • 1

    Submit all the required documents

  • 2

    Receive claim settlement for the benefit amount

How to Port

  • 0

    Check eligibility for porting

  • 1

    Compare new policy benefits

  • 2

    Apply before your current policy expires

  • 3

    Provide details of your existing policy

  • 4

    Undergo risk assessment by Bajaj Allianz

  • 5

    Receive approval from Bajaj Allianz

  • 6

    Pay the premium for your new policy

  • 7

    Receive policy documents & coverage details

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What Our Customers Say

Quick Claim Settlement

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. 

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Vikram Anil Kumar

New Delhi

4.9

18th Jan 2025

Easy and Transparent Purchase

Good Claim settlement service even during Lockdown. So I have sell Bajaj Allianz Health Policy to the maximum customers

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Prithbi Singh Mayan

Uttar Pradesh

4.6

2nd Feb 2025

Cashless Hospitalisation Convenience

I availed cashless treatment at a network hospital with no hassles. Thank you for the seamless experience!

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Amagond Arakeri

Andhra Pradesh

4.8

25th Jan 2024

Affordable Premiums & Great Coverage

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

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Sneha Iyer

Arunachal Pradesh

5.0

10th Dec 2024

FAQ's

What is the definition of critical illnesses?

Critical illnesses refer to specific medical conditions, diseases, or surgical procedures listed in the policy terms. These conditions often require extensive treatment, and long-term care, or significantly impact an individual’s health and lifestyle. The policy defines covered illnesses, ensuring financial support during medical emergencies

What is the benefit of a fixed benefit policy?

A fixed-benefit health insurance policy provides a predetermined lump sum payout upon diagnosis of a covered condition. Unlike various sorts of indemnity-based plans, the payout is not linked to actual medical expenses. Policyholders can use the amount for treatment, recovery, or other financial needs, offering flexibility and peace of mind.

What is a pre-existing disease?

A pre-existing disease is any illness, injury, or medical condition diagnosed or treated by a physician within 48 months before policy issuance or reinstatement. If medical advice or treatment was received for the condition during this period, it is considered pre-existing. Such conditions may have waiting periods before coverage begins.

How does the waiting period work in critical illness insurance plan?

The waiting period in critical illness insurance is the duration after policy issuance during which no claims for specified illnesses are payable. Typically, a 90-day initial waiting period applies, and a survival period of 30 days post-diagnosis may be required. Pre-existing conditions may have a longer waiting period before becoming eligible for

What is the difference between critical illness and health insurance?

Critical illness insurance provides a lump sum payout upon diagnosis of a listed illness, irrespective of actual medical expenses. Regular health insurance reimburses hospitalisation costs as well as the treatment costs up to the sum insured. Critical illness coverage also helps to manage non-medical expenses and financial gaps during recovery the

Does health insurance offer options for covering my whole family?

Yes, many health insurance plans offer family coverage. However, the exact definition of 'family' can differ between providers. Generally, family health insurance covers you, your spouse, and dependant children (up to 2); you may need to get seperate policies for parents.

What are the common inclusions of health insurance?

Health insurance commonly covers hospitalisation costs, medical treatments, emergency services, and expenses related to pre- and post-hospitalisation care. Coverage for daycare procedures is also frequently included in health insurance plans; however, specific policy inclusions may vary from one plan to another.

Are pre-policy medical examinations common in health insurance?

Yes, many health insurance providers asks for pre-policy medical examinations for certain age groups, when applying for higher amount of coverage, or in other scenarios. Such examinations help insurers assess your current health conditions and potential risks. The specific tests and requirements can vary based on the provider and the policy chosen.

Do health insurance providers offer discounts for healthcare workers?

Health insurance providers may offer discounts on special concessions to healthcare workers on special occasions. The availability and specific details of these discounts can vary between insurers and different policies.

Is there any co-payment at the time of raising claims in health insura

If you have opted for the co-payment option in your policy, you will be required to bear part of your hospitalisation expenses based on the policy terms.

To whom should I submit claim documents, third party administration or

You can submit your claim documents to the third-party administrator (TPA) managing your claim process or directly to your insurer depending on the procedure specified by your insurance provider.

Why do some health insurance policies include co-payment requirements?

Health insurance policies may include co-payment requirements to strike a balance between affordability and comprehensive coverage.

How can I raise my health insurance claim after hospitalisation?

You can file your claim after hospitalisation in case of an emergency hospitalisation. However, you must notify your insurance provider or third-party administrator (TPA) as soon as possible; the usual timeline for informing the insurer or third-party administrator is within 24 hours of being hospitalised. Make sure to gather all necessary document

What are the standard renewal terms for health insurance plans?

Many health insurance plans offer long-term or lifetime renewal, requiring for consistent annual renewals and adherence to policy terms. However, policy renewal might get denied in case of misrepresentation, fraud, or non-compliance. Thus, it is important to renew your insurance plan within the insurer's provided grace period. Contact your insuranc

If there is any claim in my existing policy, is there any exclusion du

Depending on your policy teams a 60-day cooling off period may be applicable if the policy is renewed within 60 days from the date of admission of the previously paid claim. However, usually there isn't a waiting period for other listed vector-borne diseases. In case, the policy is renewed post 60 days from the date of admission of the previously p

Can I enhance my sum insured during policy renewal?

You may be able to apply for sum insured enhancement during policy renewal depending on the guidelines shared by your insurance provider. You may have to submit a fresh proposal form to your insurance provider. Based on the terms and conditions you may get enhanced sum insured.

What is the process of renewing health insurance plans?

"Here is a simple guide to help you in your policy renewal: 1. Login to the app 2. Enter your current policy details 3. Review and update coverage if required 4. Check for renewal offers 5. Add or remove riders 6. Confirm details and proceed 7. Complete renewal payment online 8. Receive instant confirmation for your policy renewal"

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What is Criti Care Policy?

The Criti Care Policy by Bajaj Allianz General Insurance Company is a specialised critical illness health insurance plan designed to provide comprehensive financial support for a range of life-threatening health conditions. This critical care illness insurance offers coverage for major health risks such as cancer, cardiovascular diseases, kidney issues, neurological disorders, and organ transplants. The policy covers 43 critical illnesses and provides a lump-sum payout on diagnosis, regardless of treatment costs, allowing individuals to focus on recovery without worrying about financial burdens. Bajaj Allianz General Insurance Company’s health and critical illness insurance policy includes lifetime renewability, ensuring ongoing protection throughout a person’s life. Furthermore, the critical illness cover can be tailored based on needs, offering flexible sum assured options for broad, long-term protection. This comprehensive coverage makes it an ideal solution for securing peace of mind and protecting your future against unexpected medical costs.

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 transplantation

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 installments 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:

  1. Per member Sum Assured will be maximum 2Cr
  2. 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.

Who Should Buy this Critical Illness Cover?

A critical illness cover is beneficial for anyone looking to secure their financial stability against unforeseen health challenges. It is particularly important for:

●Individuals with a Family History of an Illness:

When critical conditions such as cancer or heart disease run in the family, other members are often at heightened risk. Securing coverage through a critical illness policy like Bajaj Allianz General Insurance Company’s Criti Care can help manage this risk effectively.

●Breadwinning Family Members:

For individuals who are the sole earners in their families, ensuring financial security becomes essential. By opting for a critical illness health insurance policy early on, they can protect their loved ones from financial instability in the event of a serious illness.

●Individuals with High-Risk Occupations :

Studies show that high-pressure work environments can increase susceptibility to severe illnesses. For professionals in such roles, purchasing a critical care illness insurance policy can provide crucial support if health risks arise.

●Individuals Above a Certain Age Bracket :

Once individuals cross the age of 40, the likelihood of developing critical ailments increases. Investing in a health and critical illness insurance policy ensures they are well-prepared for future uncertainties, allowing them to maintain peace of mind as they age.

●Women :

The rising incidence of illnesses such as cancer among women highlights the importance of preventive health coverage. With a critical illness cover, women can proactively secure their health and financial stability.

At Bajaj Allianz General Insurance Company, we provide a specialised critical illness health plan that is accessible for both individuals and families, covering a comprehensive list of critical illnesses to provide maximum support when it's needed most.

Illnesses Covered by Criti Care Insurance Plan

The Criti Care Insurance Plan from Bajaj Allianz General Insurance Company provides comprehensive coverage for several categories of critical illnesses, which are grouped into five major sections: Cancer Care, Cardiovascular Care, Kidney Care, Neuro Care, and Transplants & Sensory Organ Care. Each section covers multiple conditions, with conditions categorised as early-stage (25% sum assured) and advanced (100% sum assured). For instance, the Cancer Care section includes both early-stage and advanced cancers, while the Cardiovascular Care section includes critical conditions like angioplasty, heart transplant, and major surgeries. Other sections cover kidney transplants, neuro care for conditions like stroke and brain surgery, and essential organ transplants. This critical illness health insurance provides financial protection for these serious health conditions and ensures that you receive benefits without worrying about ongoing or future treatment costs.

How to Select the Best Critical Illness Cover Online?

Selecting the right critical illness insurance in India involves considering several key factors. Here’s a checklist to help you choose the best critical illness health insurance plan for your needs:

●Coverage:

Ensure the payout covers financial needs during a critical illness.

●Premium Rates:

Compare policies using an online premium calculator to find competitive rates.

●Waiting Period:

Check the waiting period; Bajaj Allianz General Insurance Company offers a standard 90-day period for critical illnesses.

●Covered Illnesses:

Review covered conditions, especially if there’s a family history of certain illnesses.

●Renewal Policy:

Choose a plan with lifetime renewability for continued coverage at any age.

●Claims & Sub-limits:

Understand the claims process, and sub-limits for surgeries, diagnostic tests, and other procedures to avoid unexpected costs.

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 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 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 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 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, 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 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. 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%.

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.