Bajaj General Criti Care Plan vs Kotak Group Accident Protect Health Plan Health Insurance Plan 2026 | PolicyX

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Get maximum care and an additional layer of protection against critical illness worries. The Bajaj General Criti Care health insurance policy provides base coverage for over 43 critical illnesses, divided into 5 major categories, including:

  • Cardiovascular care
  • Kidney care
  • Cancer care
  • Sensory organ care
  • Transplant care

The diseases covered by this policy include cancer, heart transplant, kidney failure, stroke, brain surgery, bone marrow transplant, and others.

Additionally, review the eligibility criteria, specifications, and exclusions of the Bajaj General Criti Care policy.

PLAN DETAILS

Bajaj General Criti Care Plan

Kotak Group Accident Protect Health Plan

Product Type Critical Illness Health Insurance Individual
Key Features
(Key features of the plan)
  • 43 critical illnesses cover
  • All-stage cancer cover
  • Physiotherapy care available
  • AD PTD & PPD Covers
  • Children’s Education Grant
  • Lifestyle Modification Cover
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 22600
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
- Not 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)
- 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)
- 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 - 65 years 5 years to 65 Years
Plan Premium Entry Age and S/A 3200 Not Available
Plan Waiting Period 30 NA
Plan Coverage - Individual
Plan Sample Premium NA NA
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 96.4
Solvency Ratio 3.25 5.73

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