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What’s in it for you?
Cancer Care,
It covers early as well as Advance stage of cancer
Multi Year Policy,
can be taken for 1/2/3 years
43 Critical Illness covered
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.
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-
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 instalments 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
Note:
a. Per member Sum Assured will be maximum 2Cr
b. 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.
Comprehensive coverage against accidents
If your claim under Category B of Section I (Cancer Care) is approved, Bajaj Allianz will pay Read more
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.
If your claim under Category B of section II (Cardiovascular Care) is approved, Bajaj Allianz will pay Read more
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.
If your claim under Category B of section III (Kidney Care) is approved, Bajaj Allianz will pay Read more
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.
If your claim under Category B of section IV (Neuro Care) is approved, Bajaj Allianz will pay Read more
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.
If your claim under Category B of section V (Transplants Care And Sensory Organs Care) is approved, Read more
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.
Any person insured under the Bajaj Allianz Criti Care health insurance policy is eligible for a 5% discount at Read more
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.
If the policy is opted for two years, a 4% discount is applicable. Read more
Note: These discounts are not applicable if the insured has chosen the instalment premium option
For all the policies booked online through the website, the direct customers will receive a discount benefit of 5%.
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
This section covers early stage as well as advanced stages of cancer
This section covers heart related critical illnesses and covers expenses for angioplasty also.
This section covers minor and major surgery related to kidney such removal of one kidney and kidney transplant surgery etc.
This section covers critical illnesses related to brain or nervous system.
This section covers transplants for organs such as lung or liver in case of failure. It also covers sensory organ dysfunction like blindness, deafness etc.
If the insured contracts a critical illness or its signs and symptoms are diagnosed within the first 180/120 days
Read moreIf the insured contracts a critical illness or its signs and symptoms are diagnosed within the first 180/120 days of the date of commencement of the First Policy, it will not be included under the insurance.
However, it is not excluded when the coverage has been renewed for subsequent years without a break.
The claim benefit is paid only after the insured has survived for 0/7/15 days, as mentioned in the policy schedule from the date of diagnosis to the fulfilment of critical illness.
Sexually Transmitted Diseases Will not be included under the insurance.
If the disease is arising as a result of congenital disabilities and anomalies will not be included under the insurance.
No matter if declared or not, any type of war, the act of a foreign enemy, military or usurped power, riot, strike, lockout, military or popular uprising, etc.
Natural disasters like storm, tempest, avalanche, earthquake, volcanic eruptions, hurricane, or any other natural hazard).
Disease caused by radioactive contamination.
Injuries caused by suicidal attempt or by participation in an illegal or criminal matter with a criminal intention.
Misuse or overdose of intoxicating drugs or alcohol except if directed by a medical practitioner.
(Based on 3,912 reviews & ratings)
VIKRAM ANIL KUMAR
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.
PRITHBI SINGH MIYAN
Good Claim settlement service even during Lockdown. So that I have sell Bajaj Allianz Health Policy to maximum customer's
AMAGOND VITTAPPA ARAKERI
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 and pleasure...
Means an illness, sickness or a disease or a corrective measure as specified in terms and conditions of this Policy.
Fixed benefit health insurance is a health insurance type in which the sum insured amount to be paid out is fixed.
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.
Written By : Bajaj Allianz - Updated: 10th January 2024
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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.
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