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Bajaj General HERizon Care
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Bajaj General Health Insurance
Bajaj General Critical Illness
The plan is designed to ensure round-the-clock protection against 10 l ...Read More
Up to 25 Cr
Sum insured
1
No. of plans
1100+
Pan India presence
99.23%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,711 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement
About Bajaj General Critical Illness
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 insurance plan provides round-the-clock protection against critical illnesses. With a progressive and changing lifestyle, people are becoming prone to illnesses that were not even named a few decades ago.
The mounting medical costs of critical illness treatment can be daunting. Planning your future healthcare with a health insurance policy like Bajaj General, which covers 10 types of critical illnesses, encourages you to live a healthy life. Moreover, it helps your family cope with life-threatening illnesses by providing financial support.
What can you expect from the Bajaj General Critical Illness policy? Its outstanding features include flexibility to optimize your premiums, 100% payout benefit, family coverage, and seamless portability benefit. Details on eligibility, benefits, exclusions, and more are discussed on this page.
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 and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹10 L, ₹20 L, ₹30 L, ₹40 L, ₹50 L
Waiting period
90 days
Renewability
Lifetime
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
- Cover for 10 critical illnesses
- Lifelong renewability
- Affordable premium options
Cons
- No cover for childhood defects
- No cover for HIV/AIDS
- Survival period of 30 days
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 Not covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Not covered
- 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 Applicable
- Sub-limits Not Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Bajaj Health Insurance
This video explains Bajaj Health Insurance in detail.
Benefits of Bajaj General Critical Illness Policy
- Read below to understand the outstanding benefits that the Bajaj General Critical Illness policy offers to policyholders:
| Benefits | Explanations |
|---|---|
| Flexibility | The policyholder can choose an additional sum insured at the time of renewal to optimize the value of cover as per previous policy documents. Premiums will change accordingly. |
| Assured Payout | The insured can avail of a 100% payout benefit against this policy when diagnosed with a critical illness as per coverage, provided they survive for a minimum of 30 days after diagnosis (the survival period is 30 days). |
| Family Coverage | The Bajaj General Critical Illness policy covers family members of the insured under the same plan, including spouse, dependent children (minimum 6 years of age), parents, grandparents, grandchildren, siblings, and parents-in-law. |
| Multiple Sum Insured Options | The available sum insured options vary by age group: For ages 6 to 60 years, the sum insured limit is INR 1 Lakh to 50 Lakhs. For people aged 61 to 65 years, the sum insured ranges from INR 1 Lakh to 5 Lakhs. |
| Organ Donor Expenses | Major organ transplantation expenses are covered by this policy. Additionally, 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 a cumulative bonus or no-claim bonus benefit in the form of a discount on the respective year's premiums. |
| Tax Benefits | All premiums paid towards the Bajaj General Critical Illness policy are eligible for tax benefits under Section 80D of the Income Tax Act, 1961. |
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under the Bajaj General Critical Illness Plan are:
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and Abortion
- Congenital disease
- 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
To Be Concluded
The thought of losing our lives or not being able to provide for our loved ones can cause significant distress, especially concerning financial management. Bajaj Health Insurance understands your concerns and offers a solution. You can plan your health maintenance in advance to have peace of mind, knowing that Bajaj General Critical Illness cover can bear the treatment expenses of your critical illness.
Why delay securing your future? Give us a call at 1800 4200 269 now to know more about this policy.
Bajaj General Critical Illness Plan: FAQs
The 6 most-asked questions about Bajaj General Critical Illness, answered.
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.
Yes, in conditions of adverse critical illness, there will be loading charge applicability with this policy.
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.
You can receive the coverage benefits under this policy only after completing your waiting period of 90 days.
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.
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 canceled the same.
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