Bajaj Allianz critical illness insurance plan ensures you a round-the-clock protection against critical illnesses. With a progressive and changing lifestyle, we human beings are becoming prone to illnesses that were not even named a few decades ago. Also, the mounting medical costs of critical illness treatment seem to be haunting you until you've not planned your future healthcare. With a health insurance policy like Bajaj Allianz that covers critical illnesses of 10 types encouraging you to live a healthy life. Moreover, it helps your family cope with life-threatening illnesses by contributing to financial support.
Additionally, what to expect from the Bajaj Allianz critical illness policy? The standing out features of this insurance policy such as flexibility to optimize your premiums, 100% payout benefit, family coverage, seamless portability benefit, and so on make it more reliant. Rest, the eligibility, benefits, exclusions and more are discussed on this page.
Read further to know more about critical illness Bajaj Allianz insurance policy.
Eligibility Criteria for Bajaj Allianz Critical Illness Insurance Plan
The below-mentioned factors decide the eligibility criteria for the Bajaj Allianz Critical Illness health plan:
Entry Age
Child: 6 - 21 years
Entry Age Max.
Adult: 18-65 years
Policy Term
1/2/3 years
Plan Type
Individual and Family Floater
Sum Insured
INR 1 - 50 Lakhs
Initial Waiting Period*
90 days
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
To know more about the plan, read the policy brochure provided below:
Benefits of Bajaj Allianz Critical Illness Policy
Read below what the standing out benefits that critical illness Bajaj Allianz policy covers for the policyholder/s:-
Benefits
Explanations
Flexibility
The policyholder is free to choose for additional sum insured at the time of renewal to optimize the value of cover as per previous policy documents. Given that, the premiums will change dramatically.
Assured payout
The insured can avail of a 100% payout benefit against this policy when diagnosed with a critical illness as per coverage. Given, that he/she needs to survive for 30 days at minimum after diagnosis of the illness (the survival period is 30 days).
Family coverage
The Bajaj Allianz critical illness policy will cover the family members of the insured under the same plan including spouse, and dependent children (minimum 6 years of age), parents, grandparents, grandchildren, siblings, parents-in-law, etc.
Multiple sum insured options
The available sum insured options for children/adults and seniors vary as; For the age group 6 to 60 years, the sum insured limit is INR 1 Lakh to 50 Lakhs and for people aged from 61 to 65 years, the sum insured ranges from INR 1 Lakh to 5 Lakhs.
Organ donor expenses
The major organ transplantation expenses are covered by this policy. Apart from that, in-patient hospitalization, room rent and other medical charges are covered.
Cumulative bonus
If the policyholder does not claim their policy in a year, they are eligible for cumulative bonus or no-claim bonus benefit in the form of a discount on respective year premiums.
Tax benefits
All the premiums paid towards Bajaj Allianz critical illness policy are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
Which Conditions are covered under the Bajaj Allianz Critical Illness Policy?
Bajaj Allianz covers 10 major critical illnesses under this policy. The below-mentioned critical illnesses are covered under Bajaj Allianz critical illness health insurance:
Permanent paralysis of limbs
Primary pulmonary arterial hypertension
Stroke
Joint Replacement
Major organ transplant
Aorta graft surgery
Cancer
Multiple sclerosis with persisting symptoms
Coronary artery bypass surgery
First heart attack (myocardial infarction)
Kidney failure
Bajaj Allianz Health Insurance Network Hospital List
Bajaj Allianz Network Hospitals have a vast presence PAN India. A well connected network of over 18400+ cashless hospitals, Bajaj Allianz Insurance ensures that you are medically secured, irrespective of the city you reside in.
What are the Exclusions of the Bajaj Allianz Critical Illness Policy?
Some of the standard exclusions of Bajaj's critical illness policy are given below:-
Any kind of critical illness/es that was not disclosed to the insurer before issuing the policy or whichever was diagnosed earlier
Diagnosis of a critical illness within 90 days from the date of policy issuance
Critical illness that leads to the insured's death within 30 days of diagnosis (minimum survival period is 30 days)
HIV/AIDS infection/treatment
A critical illness that is traceable from defects of childbirth, normal or caesarian delivery, or pregnancy
War, invasion, terrorism, civil war, rebellion, enemy hostility, and so on
Participation/service in military, para forces, armed forces, air and naval forces and operations, etc
Loss of wealth, profit, business dilution, etc
Breach of law
Attempt to suicide, intentional crime, self-threatening activities, etc
Others, as per the specification of detailed policy wordings/documents.
To Be Concluded
Just thinking of losing our lives or not being able to serve the basic needs of our loved ones can lead us to distress on so many things like how will they manage their finances. So, Bajaj Health Insurance understands your concern towards them and here comes the solution. You can plan your health maintenance in prior so that you can live with peace that there's something called Bajaj Allianz critical illness cover which can bear the treatment expenses of your critical illness.
So why go late to secure your future? Give us a call at 1800 4200 269 now to know more about this policy.
A competitive plan with affordable premiums for your family, a perfect product to take care of medical expenses for you and your family in case of an unfortunate event.
Unique Features
Avail daycare procedures
Road ambulance coverage
Prosthetic cost covered
Bajaj Allianz Health Infinity (Pros)
In-patient hospitalization cover
Pre & post hospitalization
Spouse Cover
Global Coverage
Preventive health check-up
Bajaj Allianz Health Infinity (Cons)
No Sleep Apnea Coverage
No Dental Treatment
No Alcoholism Cover
Type2 Diabetes not covered
No Obesity/Weight Cover
Bajaj Allianz Health Infinity (Other Benefits)
Per Day Room Rent Benefit
Co-Pay Benefit
Tax Benefits
Cataract Cover
Alzheimer Cover
Bajaj Allianz Health Infinity (Eligibility Criteria)
A robust policy that takes care of 360-degree health needs for you and your family with a maximum sum assured up to INR 25 lakh.
Unique Features
Modern Treatment covered
Avail AYUSH treatment
Avail cumulative bonus
Arogya Sanjeevani Plan (Pros)
Cataract Treatment
Modern Treatment
Pre-hospitalization
Post-hospitalization
Hospitalization Cover
Arogya Sanjeevani Plan (Cons)
No Global Coverage
No Weight Control Cover
No Sleep Apnea Cover
HIV/AIDS not covered
No War Injury Cover
Arogya Sanjeevani Plan (Other Benefits)
Plastic Surgery Cover
Spouse Cover
Child Cover
Dental Treatment Cover
Diabetes Cover
Arogya Sanjeevani Plan (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L to 25 L
Waiting Period - 30 Days
Bajaj Allianz Criti-Care
Criti-Care plan covers over 43 critical illnesses and offers you to choose from a wide range of Sum Assured.
Unique Features
Avail lifetime renewal
Avail coverage against cancer
Avail wellness discount
Bajaj Allianz Criti-Care (Pros)
Dialysis Care Cover
Cancer reconstructive surgery
Cardiac Nursing Cover
Physiotherapy care
Dialysis Care
Bajaj Allianz Criti-Care (Cons)
No Intoxication Coverage
No Cosmetic Surgery
No Postpartum Cover
STD not covered
No Natural Calamity Cover
Bajaj Allianz Criti-Care (Other Benefits)
Cancer Care
Cardiovascular Care
Kidney Care
Neuro Care
Transplants care
Bajaj Allianz Criti-Care (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L to 2 Cr
Waiting Period - 30 Days
Bajaj Allianz Silver Health Plan -Senior Citizens
It is a comprehensive senior citizen plan which includes a spouse . With High sum insured the plan offers critical illness cover,life time renewal and innovative packages.
Unique Features
Quick Disbursement
Global Expertise
In House Claim Administration
Silver Health Plan -Senior Citizens (Pros)
Pre-existing illness cover
Waiver of co-payment
Cumulative bonus
High entry age
Free health check-up
Silver Health Plan -Senior Citizens (Cons)
No Hernia Cover
No Piles Cover
No Cataract Cover
No Non -Allopathic Cover
No AIDS Cover
Silver Health Plan -Senior Citizens (Other Benefits)
Pre and post hospitalization
Ambulance cover
Customized Plans
Cashless Facility
Family Discount
Silver Health Plan -Senior Citizens (Eligibility Criteria)
Entry Age - 46 Years
Max Entry Age - 70 Years
SI - 50 Thousand to 50 Lakh
Waiting Period - 30 Days
Bajaj Allianz Individual Health Insurance
An inclusive plan with multiple SI options and 50% cumulative bonus.
Unique Features
Covers Homeopathic Treatment
Extended Family Cover
New Born Cover
Individual Health Insurance (Pros)
Recharge Benefit
Bariatric surgery cover
Maternity Cover
Daily cash benefit
Covers extended family
Individual Health Insurance (Cons)
No Alcoholism Cover
No War Injury Cover
No Dental Cover
No Cosmetic Surgery Cover
No STD Cover
Individual Health Insurance (Other Benefits)
Organ donor expenses
Ayurvedic Treatment Cover
SI Reinstatement
Ambulance Cover
Convalescence Benefit
Individual Health Insurance (Eligibility Criteria)
A super top-up health plan that provides additional coverage to the existing health insurance policy. The plan provides wider health protection to you and your family.
Unique Benefits
Air Ambulance cover
Avail maternity expense
Organ donor expenses covered
Bajaj Allianz Extra Care Plus (Pros)
Modern treatment Covered
Air Ambulance Cover
Maternity Benefit
Organ Donor Expenses
Free Medical Check-Up
Bajaj Allianz Extra Care Plus (Cons)
No New Born Baby Cover
No Dental Treatment
No Obesity Cover
STD not covered
No BMI Cover
Bajaj Allianz Extra Care Plus (Other Benefits)
Day Care Treatment Covered
ICU Covered
Specialist Doctor Cover
Post-hospitalisation expenses
Spouse and Child Cover
Bajaj Allianz Extra Care Plus (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - 80 Years
SI - 3 L to 50 L
Waiting Period - 30 Days
Bajaj Allianz M care
The plan offers wide coverage and comes at an affordable price and takes care of the most common vector-borne ailments.
Unique Features
Avail Lifetime Renewal
Coverage against Dengue
Avail family coverage
Bajaj Allianz M care (Pros)
Chikungunya Cover
Malaria Cover
Filariasis Cover
Kala Azar Cover
Pre & post hospitalisation
Bajaj Allianz M care (Cons)
No Global Coverage
No Dental Treatment
No Parkinson's Cover
HIV/AIDS not covered
No Obesity/Weight Cover
Bajaj Allianz M care (Other Benefits)
Zika Virus Cover
Japanese Encephalitis Cover
Dengue Fever Cover
Bariatric surgery cover
SI reinstatement benefit
Bajaj Allianz M care (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 25 Thousand to 75 Thousand
Waiting Period - 30 Days
Bajaj Allianz Saral Suraksha Bima
Saral Suraksha Bima offers a sum assured up to 1 Cr and offers optional covers for temporary Total Disablement and Hospitalisation Expenses due to Accident.
Bajaj Allianz Personal Accident Plan is designed to protect you and your family from serious financial problems in case of death, and partial and total disability
Unique Features
Covers children’s education
Avail cumulative bonus
Avail additional covers with plan
Bajaj Allianz Sankat Mochan
A plan that covers Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total disability caused due to accidental injury.
Premium Personal Guard covers you and your family against bodily injury or death caused due to an accident and offers a high sum assured ranging from 10 lakhs to 25 lakhs
Unique Features
Avail cumulative bonus
Cover dependent children
Cover death and disability
Bajaj Allianz Women Specific Critical Illness
This is a Women Specific Critical Illness Plan that provides you protection against the risk of serious illness.
Unique Features
Congenital Disability Benefit
Children Education Bonus
Avail various discounts
Bajaj Allianz Extra Care
Bajaj Allianz Extra Care is a perfect health protection plan that offers financial support to you and your family. It is a floater Policy with a single premium for the family.
Unique Features
Avail Modern Treatments
Avail Ambulance coverage
Avail discounts on policy terms
Bajaj Allianz Loan Care
A unique insurance policy that covers loan borrowers providing comprehensive protection in the event of an unfortunate incident.
Unique Features
Personal Accident Covered
EMI Payment Cover
Child education benefit available
Bajaj Allianz Star Package
An all-in-one family floater policy that covers health, household contents, travel baggage and much more.
Unique Features
Covers Household content
Avail education grant
Avail critical illness cover
Bajaj Allianz Global Health Care
This plan provides comprehensive coverage for planned and emergency medical treatment within and outside India.
Unique Features
USD 1,000,000 cover
Mental Illnesses covered
Air Ambulance covered
Bajaj Allianz Tax Gain Policy
A floater health policy that covers out patient expenses (OPD) & hospitalization expenses under a single policy for self and spouse.
A comprehensive plan that takes care of medical expenses for you and your family in case of unfortunate event of hospitalisation for illness/ injury.
Unique Features
Upto 10lakh sum assured
Avail cumulative bonus
Day care procedures covered
Bajaj Allianz Hospital Cash Daily Allowance
Hospital Cash Daily Allowance Policy guards you and your family against hospitalization expenses.
Unique Features
Avail discounts
Flexible premium payment term
Avail family cover
Bajaj Allianz Family Health Care Policy
A group policy that takes care of you and your family and protects you from hospitalization expenses in case of any unfortunate incident.
Unique Features
Avail Daycare procedures
Hospital cash benefits
Modern treatment covered
Bajaj Allianz Critical Illness Plan: FAQ's
1. Are there any loading charges in Bajaj Allianz critical illness plan?
Yes, in conditions of adverse critical illness, there will be loading charge applicability with this policy.
2. Do I need any pre-policy medical examination to buy Bajaj Allianz critical illness plan?
Yes, the sum insured limit, coverage benefits, payout benefits, etc will be only decided based on the diagnosis result of pre-policy medical check-ups.
3. When can I claim my Bajaj Allianz critical illness policy?
You can receive the coverage benefits under this policy only after completing your waiting period of 90 days.
4. Can I increase the sum insured by my Bajaj critical illness policy?
Yes, to avail of the maximum coverage for critical illnesses and cope with the financial crisis in such conditions, you can enhance the sum insured limit of your policy.
5. What is the portability benefit of Bajaj Allianz critical illness insurance policy?
Under the portability benefit of this policy, you can port yourself or your family member/s at least a minimum of 45 days before the renewal period. After this point in time, there will be no entertainment of portability benefit.
6. Can I cancel my critical illness Bajaj Allianz policy?
Yes, you can cancel your Bajaj critical illness policy within the given time frame and the refunding amount will be based on when you have cancelled the same.
Read what customers have to say about Bajaj Allianz health insurance
Raj Kumar
Bhopal
October 16, 2023
Invested in a senior citizen health insurance with Bajaj Allianz for my parents and the coverage benefits are very helpful
Riya Chatterjee
Pune
October 9, 2023
Recently purchased a senior citizen plan from Bajaj Allianz and it provided my parents with wellness benefits and annual health check-ups that are useful for me as I stay away from my family.
Rishabh Singh
Chandigarh
October 9, 2023
Quick and efficient response from customer care of Bajaj Allianz when it comes to claim settlement queries.
Priyanka Kumari
Guwahati
October 9, 2023
Provides different options in health insurance and offers unique benefits. I purchased a maternity plan from Bajaj 2 years ago and now I am planning to start a family. Bajaj Allianz has been ve...
Smita Patil
Bengaluru
May 1, 2023
I have availed health insurance services from PolicyX in the year 2021 and I must say that they are reliable and have supported me with claim settlement without any delay.
Pawan
Delhi
June 6, 2022
Trust me, friends, Bajja is one of the best insurance companies in India. It offers good health insurance plans and its claim service is superb. I am very impressed by the work done by Bajaj Al...
Himanshi Nalwa
Pune
May 26, 2022
My claim was settled in no time... I went to a non-network hospital and Bajaj Allianz reimburse my claim within 2 days
Priya Singhania
Guwahati
May 26, 2022
I took the health insurance plan for my family. Bajaj Allianz is a nice company. Go for it. Thanks to Policyx.com, they helped me a lot.
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
