Bajaj General Critical Illness Health Insurance Plans | PolicyX
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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Criti Care

Comprehensive health insurance covering 43 critical illnesses with a s ...Read More

Up to 25 Cr
Sum insured
1
No. of plans
1100+
Pan India presence
99.23%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,711 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement

About Criti Care

A quick read on what this Bajaj General Health Insurance plan covers and why it might be a fit for you.

Bajaj General Critical Illness plans offer a multitude of benefits, protecting the insured from life-threatening critical diseases. These plans include a variety of sum insured options and supplementary benefits.

Bajaj General Critical Illness provides coverage for 43 critical illnesses. The insurer also offers a unique plan for women that covers women-specific critical illnesses. The sum insured under Bajaj General Critical Illness varies from INR 1 Lakh to 50 Lakh.

Bajaj General Critical Illness Insurance offers protection for conditions such as Cancer Care, Cardiovascular Care, Kidney Care, Neuro Care, Transplant Care, and Sensory Organ Care.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Individual
Sum insured options
₹1 L, ₹1 L, ₹2 L, ₹5 L, ₹7 L, ₹10 L, ₹50 L
Waiting period
80/120 Days
Renewability
Lifelong
Policy term
1/ 2/ 3 Years

*Initial Waiting Period is the time 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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 43 critical illnesses cover
  • All-stage cancer cover
  • Physiotherapy care available

Cons

  • ICU cover not available
  • No pre and post-hospitalisation cover
  • No room rent cover

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not Applicable
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Key Benefits of Bajaj General Critical Illness

The Bajaj General Critical Illness Plan protects individuals from financial losses due to costly critical illness treatments. Along with financial security, the plan provides several other advantages:

  • Tax Benefits

    Bajaj General Critical Illness Insurance premiums are eligible for tax deductions under the Income Tax Act 1981.

  • Multiple Discounts

    Bajaj General Critical Illness Insurance offers long-term policy discounts: a 4% discount for a 2-year policy and an 8% discount for a 3-year policy.

  • Child Education Bonus

    Under Bajaj General Critical Illness, an INR 25,000 child education bonus is provided towards the future education of the insured's dependent child if a claim is paid.

  • Lifetime Renewability

    Bajaj General Critical Illness offers lifetime renewability to policyholders.

  • Portability Benefit

    Bajaj General Critical Illness offers portability benefits. Policyholders can switch to Bajaj General Critical Illness Plan from any other critical illness health insurance plan, retaining all benefits.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital diseases
  • Infertility and in-vitro fertilization

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 to 65 Years

Other features & benefits

  • Early Stage Cancers
  • Carotid Artery Surgery
  • Removal of one Kidney

Bajaj General Criti Care: FAQs

The 4 most-asked questions about Criti Care, answered.

The sum insured options available are 1 L, 1.5 L, 2 L, 5 L, 7 L, 10 L, and 50 L.
The Bajaj General Criti Care plan covers 43 major critical illnesses including cancer, heart ailments, etc.
Yes, this plan provides global coverage.
This plan covers 43 critical illnesses divided into 5 categories that are cardiovascular care, kidney care, cancer care, sensory organ care, and transplant care.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Anshika Ojha — Health Insurance Reviewed by Raj Kumar — Health Insurance
Last updated: 7 Aug 2023 · Originally published: 10 Oct 2024

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