1. Critical Illness
Health Insurance
Policy - Bajaj Allianz

2. Critical Illness Policy
Bajaj Allianz's Critical Illness policy aims to reduce your financial
burden during the treatment of major illnesses by paying you the
benefit amount when the disease is diagnosed. You can use this
amount to plan the treatment or make any lifestyle changes that
can help you recover from or cope with the critical illness.

3. Key Features
• Covers 10 critical illnesses
• The insured receives the amount as lumpsum after the
diagnosis of the illness
• Sum insured options of INR 100,000 to INR 50,00,000 for an
age group of 6 years to 60 years
• Sum insured options of INR 100,000 to INR 5,00,000 for an age
group of 61 years to 65 years
• Annual Policy
• The expenses incurred both in India and abroad are covered
• Free Look period of 15 days
• Lifetime renewal facility

4. Illnesses Covered
• Cancer
• Coronary Artery Bypass Surgery
• First Heart Attack (Myocardial Infarction)
• Kidney Failure
• Major Organ Transplant
• Stroke
• Aorta Graft Surgery
• Primary Pulmonary Arterial Hypertension
• Multiple Sclerosis with Persisting Symptoms
• Permanent Paralysis of Limbs

5. Benefits
• Hassle free in house claim settlement process
• Very competitive premium rates
• Health CDC (Claim by Direct Click) benefit – quick claim
settlement through app up to INR 20000
• Tax exemption under section 80 D of the Income Tax Act
• Single window assistance to the policyholders
• Coverage for all pre-hospitalization expenses up to 30 days
• The sum insured can be upgraded during the renewal of the
policy

6. Exclusions
• Any critical illness diagnosed within the first 90 days
• Death within 30 days following the diagnosis of the critical
illness
• Presence of HIV/AIDS infection
• Consequential losses of any kind
• Any sexually transmitted diseases
• Occupational diseases
• Radioactive contamination

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