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Bajaj Allianz Health Insurance Plans Overview

Bajaj Allianz health insurance offers 3 health insurance plans. The premium of these plans starts from Rs. 200/yr. The sum insured ranges from Rs. 50,000 - 50 Lakh. Details of the comprehensive coverage provided by the following 3 Bajaj Allianz health insurance plans are listed below:

Bajaj Allianz Criti Care Insurance Policy

Starting Premium- ₹ 250/yr

A critical illness in the family can cause not only emotional havoc but also a financial crisis. To deal with such a misfortune, Criti Care Insurance Policy has been launched by Bajaj Allianz critical illness insurance. Under this fixed benefit health plan 43 diseases are covered. This plan guards you against life-threatening diseases and offers coverage against a range of critical illnesses, some of them are:

Cancer,Kidney failure,Cardiovascular diseases,Stroke and Brain injury,Transplantation of Major Organs Available on an individual basis,you can buy the policy for your family too.Each member would have their own separate sum insured.There is a wide range of sum insured options from which you can choose the one that you like.

Features of Bajaj Allianz Criti Care Insurance Policy

  1. With comprehensive coverage, the plans cover 43 critical illnesses
  2. Irrespective of the treatment cost, you receive a lump sum payout
  3. It is a very flexible plan. Apart from being a multi-year policy you also have the freedom to pay the premium in installments
  4. The plan comes with 5 plan options:
    • Cancer Care
    • Cardiovascular care
    • Kidney Care
    • Neuro Care
    • Transplant Care and Sensory Organs Care
  5. The plan offers multiple discounts:
    • Online discount of 5% when you buy the policy online
    • When you buy the policy for 2 years you can avail of a discount of 4%, and with a 3-year policy you can avail of an 8% discount
    • Wellness discount can be redeemed once a year if you maintain a healthy lifestyle

Eligible Age

18 years - 65 years

PED Waiting Period

4 years

Coverage

1 Lakh - 50 Lakh

NCB

NA

Bajaj Allianz Critical Illness Policy

Starting Premium- ₹ 200/yr

Bajaj Allianz Critical Illness policy is a benefit health plan offered by Bajaj Allianz offers financial protection against many life-threatening diseases.The plan is a tailor-made plan with various attractive benefits to suit individual needs and pays out the lump sum benefit on diagnosis of specified critical illness.

Features of Bajaj Allianz Critical Illness Policy

  1. The policy covers 10 specified critical illnesses
  2. Coverage for organ donor expenses and transplant surgery

Eligible Age

6 years - 65 years

PED Waiting Period

NA

Coverage

1 Lakh - 50 Lakh

NCB

NA

Bajaj Allianz Women Specific Critical Illness Plan

Starting Premium- ₹ 250/yr

This Bajaj Allianz health insurance plan is specifically designed for women to shield them against life-threatening illnesses.

Features of Bajaj Allianz Women Specific Critical Illness Plan

  1. The policy provides cover for critical illnesses like breast cancer, fallopian tube cancer, cervical cancer,and ovarian cancer, permanent paralysis of limbs, multi-trauma and burns
  2. Coverage for congenital disability benefit
  3. Children education bonus of INR 25,000
  4. Compensation for loss of job due to critical illness up to INR 25,000

Eligible Age

21 years - 65 years

PED Waiting Period

NA

Coverage

50,000 - 2 Lakh

NCB

NA

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FAQs

Premium payment for Bajaj Allianz Health Insurance plans can be done online as well as through offline mode. Following are the ways to make an online payment

  • Net banking
  • Credit card
  • Debit card

However, payment can also be done offline through the below ways

  • Company branch
  • Electronic Clearing System (ECS)
  • Drop boxes
  • Cash/ cheque collection centres

Health insurance plans not only give comprehensive protection but also benefit you by saving a few amounts of tax. You can avail tax deduction on premiums paid towards health insurance plans taken for self, spouse, children and parents. Here are the details

Description The maximum premium for self, spouse and dependent children Maximum premium for parents (dependent/non-dependent) Total deductions available under Section 80D of the IT Act
All members of the family < 60 years of age INR. 25,000 INR. 25,000 INR. 50,000
Self, spouse and children < 60 years ageEither of the parents > 60 years age

INR. 25,000

INR. 50,000 INR. 75,000
Self > 60 years ageSpouse and children < 60 years of ageParents > 60 years age INR. 50,000 INR. 50,000 INR. 1,00,000

Following are the illnesses covered under the plan

  • Kidney Failure
  • Major organ transplant
  • Cancer
  • First heart attack (myocardial infarction)
  • Coronary artery bypass surgery
  • Primary pulmonary arterial hypertension
  • Stroke
  • Permanent paralysis of limbs
  • Aorta graft surgery
  • Multiple sclerosis with persisting symptoms

Cumulative bonus is nothing but the no claim bonus which is given as a reward for not placing any claim during each policy year. This bonus can be accumulated for years. Cumulative bonus helps in lowering the premium amount

Free-look period is the first 10 to 30 days of time after taking the health insurance policy that allows the policyholder to decide whether to continue with the policy or not. If you as an insured are not satisfied with the terms and conditions of the policy, you can cancel the policy during this period by stating the reason for cancellation.
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