Bajaj Women Specific Critical Illness Plan | PolicyX
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Bajaj General Women Specific Critical Illness Plan

Bajaj General’s women-specific critical illness plan protects women ag ...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 Bajaj General Women Specific Critical Illness Plan

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

Protection from critical illnesses when you need it the most!

Bajaj General's women-specific critical illness plan protects women against the serious threats of critical illness. Depending on the diagnosis of a critical illness, the insurer provides a guaranteed payout.

This plan not only protects you from life-threatening conditions but also helps save your hard-earned money. The women's critical illness policy covers hospitalization costs, compensates for job loss, and funds the education of the insured's children.

The basic cover includes:

  • Critical Illness Cover
  • Congenital Disability Benefit

In-built add-on benefits include:

  • Children Education Bonus
  • Loss of Job

This page discusses the eligibility criteria, benefits, specifications, and exclusions of the Bajaj General women-specific critical illness policy. Read on to learn more about this plan.

Plan at a glance

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

Entry age
21 years - 65 Years
Plan type
Critical Illness Health Insurance
Sum insured options
₹50 L, ₹1 L, ₹1 L, ₹2 L
Waiting period
90 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.

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 Not 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 Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

What are the Benefits of Women's Critical Illness Policy?

A critical illness insurance plan has several benefits, especially for women. Bajaj General's women-specific critical illness policy offers the exclusive benefits mentioned below:

  • The insured member receives a lump sum amount for the treatment of diseases specified in the policy documents.

  • Avail add-on benefits such as treatment coverage for congenital anomalies, newborn care, and children's education.

  • Hassle-free in-house claims settlement process.

  • Affordable premium options.

  • Tax benefits under Section 80D of the Income Tax Act for all premiums paid to the insurer.

Specifications of Bajaj General Women Specific Critical Illness Insurance

Critical Illness Cover

This plan covers treatment benefits for the following critical illnesses:

  • Fallopian Tube Cancer
  • Uterine/Cervical Cancer
  • Ovarian Cancer
  • Vaginal Cancer
  • Permanent Paralysis of Limbs
  • Multi-trauma
  • Burns

Congenital Disability Benefit

This plan covers the following congenital disabilities:

  • Down's Syndrome
  • Congenital Cyanotic Heart Disease:
    • Tetralogy of Fallot
    • Transposition of Great Vessels
    • Total Anomalous Pulmonary Venous Drainage
    • Truncus Arteriosus
    • Tricuspid Atresia
    • Hypoplastic Left Heart Syndrome
  • Tracheoesophageal Fistula
  • Cleft Palate with or without Cleft Lip (Cleft lip alone is specifically excluded)
  • Spina Bifida (Spina bifida occulta is specifically excluded)

Loss of Job Cover

If the insured woman loses her job after the diagnosis of a critical illness (as per policy specifications), the insurer will pay ₹25,000 as a loss of employment benefit.

Children Education Bonus

If the insured has claimed for any of the listed critical illnesses, the company will pay for their children's education, up to a maximum of ₹25,000.

Long-Term Discount

  • For a policy period of 2 years: 4% discount
  • For a policy period of 3 years: 8% discount

Pre-Policy Medical Check-up

A pre-policy medical examination is mandatory for policy proposers aged 41 years or above. The tests conducted include:

  • Ultrasonography of Abdomen and Pelvis
  • PAP Smear Test

Inclusions & exclusions

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

Exclusions

  • Any critical illness not recommended or claimed earlier than the waiting period.
  • STDs, HIV/AIDS, and related diseases.
  • Postpartum or childbirth complications (not applicable to the congenital disability benefit of the policy).
  • Occupational diseases.
  • War, civil wars, riots, confiscation, or destruction by authority.
  • Military operations, terrorism, etc.
  • Natural perils such as earthquakes, avalanches, hurricanes, volcanic eruptions, and other natural calamities.
  • Nuclear or radioactive contamination.
  • Intentional self-injury, attempted suicide, or suicide.
  • Drug abuse, alcoholism, or consumption of intoxicating substances.

Other features & benefits

Wrapping it up

Many serious health conditions, such as breast cancer, fallopian tube or ovarian cancer, and vaginal cancer, are specific to women. A specialized health insurance policy like the Bajaj General Women Specific Critical Illness Plan is crucial to cover the expensive treatments for these critical illnesses.

For any queries or to purchase this critical illness plan, please call us at 1800 4200 269.

Bajaj General Women Specific Critical Illness Plan: FAQs

The 5 most-asked questions about Bajaj General Women Specific Critical Illness Plan, answered.

Here is a list of specified critical illnesses that women’s critical illness insurance of Bajaj Allianz covers: Breast Cancer Fallopian Tube Cancer Uterine/Cervical Cancer Ovarian Cancer Vaginal Cancer Permanent Paralysis of Limbs Multi-trauma Burns
A woman who is between the ages of 21 to 65 years can buy this policy.
If the insured woman loses her job within 3 months of a critical illness diagnosis, the policy will cover upto INR 25,000 as loss of employment.
The insured individual (women) can include their sister, mother, or mother-in-law under a floater policy.
Yes, there’s an in-built additional cover that offers loss of job cover and children’s education benefits.

Conclusion

This plan is designed specifically for women, offering financial protection against major female-rel

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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 Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 31 Jan 2025 · Originally published: 31 Jan 2025

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