Bajaj Allianz Critical Illness Health Insurance Wordings

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.

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

This is an annual policy.

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.

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.

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.