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Overview
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.
Key Covers
- Critical Illness Cover
- Congenital Disability Benefit
In-built Add-on Benefits
- 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.
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
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.
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.
