Bajaj Allianz General Insurance - Critical Illness

Purchase mode: Online

Recommendation  about Mediclaim: No

Premium: The premium charge is high 

Product Features:

Parameter

Value

Entry age

6 to 59 Years

Policy tenure

 Yearly

Sum Insured

Rs. 1 lac to Rs 50 lacs

Illness Cover

Cancer, First heart attack, Paralysis, Coronary artery bypass surgery, Kidney Failure, Stroke, Major organ transplant, Multiple Sclerosis, Aorta Graft Surgery, Primary Pulmonary Arterial, Hypertension

 

What does this policy Cover

  • Cancer
  • First heart attack
  • Paralysis
  • Coronary artery bypass surgery
  • Kidney Failure
  • Stroke
  • Major organ transplant
  • Multiple Sclerosis
  • Aorta Graft Surgery
  • Primary Pulmonary Arterial Hypertension

Exclusions

  • Pre-existing critical illness
  • Critical illness diagnosed within first 90 days from policy issuance
  • Death within 30 days from diagnosing the critical illness
  • HIV or AIDS related infection
  • Pregnancy related or congenital diseases (existing at birth)
  • War, terrorist acts, military acts etc

Special features of the policy

  • Sum Assured available up to Rs. 50 lacs
  • If the insured survives 30 days post diagnosis of critical illness, a lump sum benefit amount is paid
  • Donor’s expenses for transplant (usually not covered under mediclaim) can be paid from the amount received, both in India and abroad
  • The insured receives the benefit amount as lump sum; this helps him/her to plan the treatment accordingly

Illustration showing premium:

No. of Members (Individual)

Age Group

Premium Sum Insured (5 lacs)

1 Adult

36-40

Rs 2750

1 Adult

56-60

Rs 15000

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