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Home » Blog » General Insurance » Bajaj Allianz Critical Illness Health Insurance Policy

Bajaj Allianz Critical Illness Health Insurance Policy

April 1, 2016 By policydunia

5/5 - (2 votes)

Policy Highlights

  • 1 Bajaj Allianz Critical Illness Health Insurance Policy
  • 2 Bajaj Allianz Critical Illness Health Insurance Policy Introduction
  • 3 Terms and Eligibility Conditions of Bajaj Allianz Critical Illness Health Insurance Policy
  • 4 Key Features of Bajaj Allianz Critical Illness Health Insurance Policy
  • 5 Inclusions in Bajaj Allianz Critical Illness Health Insurance Policy
  • 6 Exclusions in Bajaj Allianz Critical Illness Health Insurance Policy
  • 7 Claim Procedure under Bajaj Allianz Critical Illness Health Insurance Policy
  • 8 Documents to be submitted for Claims:
  • 9 Bajaj Allianz Critical Illness Health Insurance Policy premium calculator
  • 10 Bajaj Allianz Critical Illness Health Insurance Policy Premium Rates/Coverage
  • 11 Bajaj Allianz Critical Illness Premium table:
  • 12 Frequently asked questions (FAQ) of Bajaj Allianz Critical Illness Health Insurance Policy
  • 13 Bajaj Allianz Critical Illness Health Insurance Policy Documents and Forms
  • 14 About Bajaj Allianz Health Care Supreme Policy
  • 15 About Bajaj Allianz Silver Health Insurance Plan
  • 16 About Bajaj Allianz Star Package Health Insurance Plan
  • 17 About Bajaj Allianz Sankat Mochan Health Insurance Plan
  • 18 About Bajaj Allianz Personal Accident Health Insurance Plan
  • 19 About Bajaj Allianz Extra Care Health Insurance Plan
  • 20 About Bajaj Allianz Surgical Protection Plan
  • 21 About Bajaj Allianz Premium Personal Guard Health
  • 22 About Bajaj Allianz Health Guard Individual
  • 23 About Bajaj Allianz Health Guard Family Floater

Bajaj Allianz Critical Illness Health Insurance Policy

Bajaj Allianz Critical illness image

Bajaj Allianz Critical Illness Health Insurance Policy Introduction

Bajaj Allianz Critical Illness Health Insurance Policy is an Online Health Insurance Policy. A guaranteed cash amount will be paid if the unexpected happens and you are diagnosed with a critical illness. Bajaj Allianz Critical Illness Health insurance is a benefit policy which covers 10 Critical Illnesses.  A lump sum amount would be paid on diagnosis of one of the listed critical illness subject to the policy terms and conditions.

  • The benefit amount is payable once the disease is diagnosed and the insured survives 30 days after the diagnosis.
  • The insured can utilize this amount for treatment of the disease, donor expenses, lifestyle changes or a planned treatment outside India etc
  • Hassle free In House claim process
  • Premium paid is exempt under Section 80D of Income Tax Act. For more information regarding Income Tax Benefits, visit www.taxqueries.in.
  • Competitive premium rates

Terms and Eligibility Conditions of Bajaj Allianz Critical Illness Health Insurance Policy

Entry age for Proposer/Spouse:
  • Minimum: 18years
  • Maximum: 65years 
Entry age for Dependent Children:
  • Minimum:  6 years
  • Maximum: 21 years
Policy term:
  • 1 year
Sum assured:
  • Minimum: Rs 100000/-
  • Maximum: Rs 5000000/- ( for age group 6 years to 60 years); Rs 500000/- (for age group 61 years to 65 years)
Renewable till age:
  • Lifelong
Pre-policy medical checkup:
  • Required based on the age and Sum insured opted
Documents Required for fresh policy:
  • Policyholder need to fill up an ‘Application form/ proposal form’ with accurate medical history along with ‘address proof’.
  • Medical examination may be required in some cases, based on the sum assured and the age of the person.
Documents Required during Renewal:
  • Policyholder do not have to fill the Proposal Form again at the time of renewal in case he/she renew the policy before renewal date or within the grace period of 30 days.
  • Policyholder will require to apply for a fresh policy if he/she renew the policy beyond the renewal date.

Key Features of Bajaj Allianz Critical Illness Health Insurance Policy

  • Free Look Period: If you are not satisfied with the Bajaj Allianz Critical illness policy, you can cancel  the policy within 15 days of receipt of the policy documents, provided there has been no claim.
  • Portability: If you are insured under any other health insurance policy of Non life insurer you can transfer to Bajaj Allianz Critical illness policy with all your accrued benefits after due allowances for waiting periods.
  • Revision/ Modification of the Policy: Revision or Modification of the policy is possible at any time in future, with appropriate approval from IRDA.
  • Withdrawal of Policy: Withdrawal of Bajaj Allianz Critical illness policy is possible at any time in future with a intimation of 3 months to all the existing insured members.
  • Loading:  Loading is applicable for the proposals with adverse health conditions, or positive test report findings.

Inclusions in Bajaj Allianz Critical Illness Health Insurance Policy

Bajaj Allianz Critical Illness insurance covers 10 Critical Illnesses they are,

  1. First Heart Attack (Myocardial Infarction)
  2. Open Chest CABG (Coronary Artery Disease Requiring Surgery)
  3. Stroke Resulting in Permanent Symptoms
  4. Cancer of Specified Severity
  5. Kidney Failure Requiring Regular Dialysis
  6. Major Organ Transplantation
  7. Multiple Sclerosis with Persisting Symptoms
  8. Surgery of Aorta
  9. Primary Pulmonary Arterial Hypertension
  10. Permanent Paralysis of Limbs

Exclusions in Bajaj Allianz Critical Illness Health Insurance Policy

Exclusions under Bajaj Allianz Critical Illness Health Policy are,

  1. Any critical illness diagnosed within the first 90 days.
  2. War, civil war, revolution, invasion, act of foreign enemies, Nuclear energy, radiation, etc.,.
  3. Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these.
  4. Death with in 30 days following the diagnosis of the critical illness.
  5. HIV and/or any HIV related illness including AIDS and/or mutant derivatives or variations there of however caused.
  6. Any critical illness for which care, treatment, or advice was recommended.

For detailed list of exclusions refer Bajaj Allianz Critical illness Brochure and Bajaj Allianz Critical illness Policy Wordings.

Claim Procedure under Bajaj Allianz Critical Illness Health Insurance Policy

Claim Procedure under Bajaj Allianz Critical Illness Health policy is,

  1. You must inform Bajaj Allianz in writing immediately within 48 hours of diagnosis of any of the listed Critical Illnesses.
  2. Consult a Doctor and follow the advice and treatment that he recommends.
  3. If required, you must have Yourself examined by company’s medical advisors.
  4. You or someone claiming on Your behalf must give the documentation within 30 days of diagnosis as per the claims documents list specified below.

Documents to be submitted for Claims:

  • Critical Illness Insurance Claim Form duly signed by the insured along with NEFT Form signed by the Claimant
  • Copy of Discharge Summary / Discharge Certificate.
  • Copy of Final Hospital Bill
  • Policy copy
  • First consultation letter for Illness
  • Medical certificate for the duration of illness
  • All required Investigation Reports as per the Illness
  • Medical certification from specialist

Bajaj Allianz Critical Illness Health Insurance Policy premium calculator

You can calculate the premium using Bajaj Allianz Critical Illness premium calculator. Policy period, Number of members, Age and Sum assured are required to calculate the premium.

Bajaj Allianz Critical Illness Health Insurance Policy Premium Rates/Coverage

Bajaj Allianz Critical Illness Premium table:

Bajaj Allianz Critical illness premium table

Frequently asked questions (FAQ) of Bajaj Allianz Critical Illness Health Insurance Policy

What will be the renewal age?

Under normal circumstances, lifetime renewal benefit is available under Bajaj Allianz Critical illness policy except on the grounds of fraud, misrepresentation or upon the occurrence of an event of Critical Illness.

When can I enhance my Sum Insured under this policy?

The Insured can apply for enhancement of Sum Insured at the time of renewal by submitting a fresh proposal form to the company.

Is Tax Benefit available under this policy?

Yes, You can avail Tax benefit under section 80D of the Income Tax Act.

Bajaj Allianz Critical Illness Health Insurance Policy Documents and Forms

Bajaj Allianz Critical illness Brochure

Bajaj Allianz Critical illness CIS

Bajaj Allianz Critical illness Claim Form

Bajaj Allianz Critical illness Policy wordings

Bajaj Allianz Critical illness Proposal form

About Bajaj Allianz Health Care Supreme Policy

About Bajaj Allianz Silver Health Insurance Plan

About Bajaj Allianz Star Package Health Insurance Plan

About Bajaj Allianz Sankat Mochan Health Insurance Plan

About Bajaj Allianz Personal Accident Health Insurance Plan

About Bajaj Allianz Extra Care Health Insurance Plan

About Bajaj Allianz Surgical Protection Plan

About Bajaj Allianz Premium Personal Guard Health

About Bajaj Allianz Health Guard Individual

About Bajaj Allianz Health Guard Family Floater

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