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Bajaj Allianz Critical Illness Health Insurance

298 reviews Rate This
Bajaj Allianz Health Insurance
Critical Illness Plan
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio98.00%
Network Hospitals18,400+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz Critical Illness Health Insurance

Bajaj Allianz Critical Illness is a benefit policy that covers 10 critical illnesses namely first heart attack, CABG, stroke, cancer, kidney failure, major organ transplantation, multiple sclerosis, surgery of aorta, pulmonary arterial hypertension and paralysis of limbs. This is a customer-centric plan to offer financial support if an unexpected medical emergency happens or an individual is diagnosed with a critical illness.

The benefit amount is paid once an individual is diagnosed with critical disease meeting specific criteria and the insured survives 30 days after the diagnosis. The benefit amount paid under the critical illness plan can be utilized for either treatment of the disease or for lifestyle changes, donor expenses or a planned treatment outside India, etc. This plan offers sum insured options ranging from Rs. 1,00,000 to Rs. 50,00,000. This policy has lifetime renewability benefit under normal circumstances.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses incurred in India & abroad both are covered
  • Financial aid is provided, thus helping the policy holders and their families in difficult times
  • Donor expenses in a transplant surgery can be paid out of the amount received under this cover
  • The insurer receives a lump sum amount to plan the treatment accordingly
  • The plan covers 10 critical illnesses namely cancer, heart attack, organ transplant, kidney transplant, and so on

What's Not Included

  • Treatment arising from or traceable to pregnancy or childbirth, including cesarean section and birth defects
  • Claims for any cosmetic and dental surgery are not covered
  • Any critical illness diagnosed within the first 90 days of the inception of the policy
  • Medical expenses in case of presence of HIV/AIDS infection
  • Occupational diseases caused by work or working conditions

5639 Bajaj Allianz Cashless Network Hospitals in India

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Critical Illness Plan User Reviews

4.7
Rating based on
298 User reviews
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What users are saying
  • All
  • Simplified policy for family

    The Bajaj Allianz- Critical Illness Plan is a simplified policy that I recently bought at InsuranceDekho. It covers me and my family with various healthcare expenses. Some of these include in-patient hospitalization expenses, pre-hospitalization expenses, post-hospitalization expenses, daycare expenses, road ambulance expenses,

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    I
    By Imran Khan
    On: Aug 22, 2023
  • Useful premium calculator

    InsuranceDekho has a useful tool called premium calculator using which I bought the Bajaj Allianz- Critical Illness Plan for myself. I was able to know the premium I needed to pay for the policy and I was able to plan finances in advance.

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    V
    By Vaishali Yadav
    On: Jul 31, 2023
  • Total Transparency

    Throughout the process of purchasing the Bajaj Allianz- Critical Illness Plan from InsuranceDekho, I was kept informed of what was happening and what steps were being taken, which helped me feel much more relaxed and confident. They were responsive to my questions and concerns, and always took the time to explain things clearly and thoroughly.

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    A
    By Abhishek Bedi
    On: Jun 15, 2023
  • Good choice

    I am new to health insurance world. InsuranceDekho people recently introduced me to this plan. I bought it and gained coverage for 10 critical illnesses. Benefits i have received include lump sum amount, enhancement of sum insured and others. Health CDC benefit is also given to me. Lastly, the best thing is that the premium is very much affordable.

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    M
    By Mohan Pandey
    On: Feb 25, 2020
  • Couldn't find a better plan

    Bajaj Allianz’s Critical Illness plan is providing me cover for 10 critical illnesses. First heart attack, CABG, stroke, major organ transplantation, cancer, kidney failure, and others. The best thing about this plan is that it provides lump sum benefit on diagnosis. Also, this policy provides the feature of lifelong renewability . 

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    G
    By Girija Prasad
    On: Feb 14, 2020
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Bajaj Allianz Critical Illness Plan Expert Review

  • Expert Review

    When it comes to illness, everybody wants the best possible treatment for self as well as for loved ones. But, if the disease is a critical illness, it may take a massive expenditure. The cause behind this tremendous expense is the rare treatment available and prolonged medication required. However, a health insurance policy like Bajaj Allianz Critical Illness Plan insures people against serious and unforeseen risks with financial assistance to get the best possible treatment. The help is offered as soon as a proposer is diagnosed with any critical illness.

    The plan covers the people from the age of 6 years to 65 years. Proposers can get coverage from Rs. 1 Lakh to Rs. 50 Lakh under this policy. The listed critical illnesses covered under the plan comprise of Cancer, Stroke, Kidney Failure, Permanent Paralysis of Limbs, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension, Coronary Artery Bypass Surgery, Major Organ Transplant, Multiple Sclerosis with Persisting Symptoms, and First Heart Attack (Myocardial Infarction).

  • Major Attractions

    The Bajaj Allianz Critical Illness Plan is available at competitive premium rates. Apart from being economical, the plan helps in making the treatment become affordable with a lump sum amount. The policy can be purchased on an annual basis and can be renewed yearly as well. It is a kind of boon for the people who are vulnerable to falling prey to critical illness due to genetic factors or any other reasons. Here are some significant components of the plan:

    • A free look period of 15 days is provided
    • Easy and swift portability options are offered
    • The plan offers coverage for 10 critical illnesses
    • Lump sum amount is provided to insured members post diagnosis
    • The policyholders can apply for enhancement of sum insured at the time of renewal
    • Expenses of organ donor or lifestyle can also be paid out of the lump sum amount
    • Health CDC benefit is given where quick claim settlement can be done through an app
    • Single window assistance is given to all policyholders for health care related services​

  • What’s More?

    In addition to the listed attractions of the plan, it holds some other features to deliver profit as well as care to its proposers. Here are the following additional benefits of the policy:

    • Availability of lifelong renewability option
    • Hassle-free in-house claim process is offered
    • Tax benefits can be gained on the premium amount paid

  • Conclusion

    In short, the critical illness plan by Bajaj Allianz is one of the best critical illness related offers. The policy has so much to offer and deliver, it is a perfect choice for anyone with a critical disease listed under this plan.

    To opt for the right critical illness plan is important, but buying it from the correct platform is equally important. On this note, it is widely suggested to purchase the health insurance plan from the website of insurancedekho.com. The website provides the safest payment gateway, share all the relevant information about the policy, guide the customers pertaining to claim settlement procedure, and so on. Thus, buy the plan from Insurance Dekho today and be healthy and relaxed tomorrow.

     

Bajaj Allianz Critical Illness Plan Brochure

  • 293.91 KB
  • PDF Document
  • Apr 17, 2019
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Claim Process at Bajaj Allianz Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Critical Illness Plan Health Insurance Plan

  • What does Bajaj Allianz Critical Illness Policy covers?

    Bajaj Allianz Critical Illness policy is a benefit policy that covers 10 critical illnesses namely first heart attack, stroke, permanent paralysis of limbs, pulmonary arterial hypertension, surgery of aorta, major organ transplantation, cancer, kidney failure, CABG, and multiple sclerosis.

  • What is the entry age for purchasing a Critical Illness policy?

    Entry age for an individual is minimum 18 years to maximum 65 years. For dependent children, the entry age is 6 years to 21 years.

  • What will be the renewal age?

    The policy comes with lifetime renewability benefit.

  • What are the sum assured options available under the Critical Illness policy?

    For the age group of 6 years to 60 years, the sum assured options range from Rs. 100000 to Rs. 50,00000 whereas for the age group of 61 years to 65 years, the sum assured options are from Rs. 100000 to Rs. 500000.

  • Can I enhance my sum insured under this policy?

    The sum insured under the policy can be enhanced only at the time of renewal by submitting a fresh proposal form.

  • What are the pre-policy medical examination criteria under the Critical Illness policy?

    The pre-policy medical examination is advised based on the sum insured, age and the health declaration on the proposal form. The pre-policy medical checkup would be arranged at empanelled diagnostic centers and 100% of the test charges are reimbursed subject to the proposal acceptance and policy issue.

  • Does this plan covers critical illness which contracted before the inception of the policy?

    Any critical illness which first manifested itself or was contracted before the start of the policy period is excluded from cover.

  • What is the policy period for this plan?

    This is an annual policy.

  • What are the advantages of Critical Illness Cover?

    A lump sum amount is paid on diagnosis of the listed critical illnesses and the insured survives 30 days after the diagnosis. This amount can be utilized either for treatment of disease or for lifestyle changes, donor expenses or planned treatment outside India, etc.

  • What is the loading criteria due to adverse health conditions?

    Loading is applicable on the basis of adverse health conditions or positive test report findings. Minimum 10% to maximum 150% loading on premium is applicable based on the declaration in the proposal form and the health status of an individual. The loading is applicable from the date of commencement of the policy including subsequent renewals.

  • Is there a limit on the sum insured in case of renewals?

    Yes, in case of renewals, there would be a limit on the sum insured in older ages. Between ages 66 and 70 years, renewal sum insured would be limited to Rs. 10 Lakh. Between ages 71 and 75 years the renewal sum insured would be limited to Rs. 5 Lakh and if the renewal age is 76 years and above, the sum insured would be limited to Rs. 2 Lakh.

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