Bajaj Critical Illness Plan vs Sbi Critical Illness Insurance Policy Health Insurance Plan 2026 | PolicyX

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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 DETAILS

Bajaj Critical Illness Plan

Sbi Critical Illness Insurance Policy

Product Type Individual and Family Health Insurance Critical Illness Health Insurance
Key Features
(Key features of the plan)
  • Covers 10 critical illnesses
  • In-house claim settlement
  • Lifelong renewability
  • Coverage for Cancer
  • Eligibility Criteria
  • Inclusions and Exclusions
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered -
Room Rent
(A limit of room rent cover during hospitalization if any)
Not Covered -
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not Covered -
Pre-hospitalization
(Expenses before the insured is hospitalized)
Not Covered -
Post-hospitalization
(Expenses after discharge from the hospital)
Not Covered -
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Not Covered -
Hospital_network
(Number of Hospital Network in city)
18400 6000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered -
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered -
Ambulance Charges
(Expenses incurred on ambulance charges)
Not Covered -
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered -
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered -
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not Covered -
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Applicable -
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Not Applicable -
Plan Entry Age 18 to 65 Years 18 years to 65 years
Plan Premium Entry Age and S/A 3,000 357
Plan Waiting Period 90 90
Plan Coverage - Individual/Family floater
Plan Sample Premium 3,000 357
Plan Brochure Brochure URL Brochure URL
Policy Term 1/2/3 Years 1/2/3 years
ICU Charges Not Covered -
Covid-19 Treatment Not Covered -
Cataract Not Covered -
Automatic Restoration Not Covered -
Ayush Treatment Not Covered -
Modern Treatment Not Covered -
E Consultation Not Covered -
Air Ambulance Not Covered -
Global Coverage Not Covered -
Claim Ratio 99.23 -
Solvency Ratio 3.25 2.03
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