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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
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.
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.
A critical illness cover is beneficial for anyone looking to secure their financial stability against unforeseen health challenges. It is particularly important for:
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.
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.
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.
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.
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.
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.
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:
Ensure the payout covers financial needs during a critical illness.
Compare policies using an online premium calculator to find competitive rates.
Check the waiting period; Bajaj Allianz General Insurance Company offers a standard 90-day period for critical illnesses.
Review covered conditions, especially if there’s a family history of certain illnesses.
Choose a plan with lifetime renewability for continued coverage at any age.
Understand the claims process, and sub-limits for surgeries, diagnostic tests, and other procedures to avoid unexpected costs.
Comprehensive coverage against Critical Illness
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.
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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.
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