Bajaj Allianz Women Specific Critical Illness
This is a women-specific Critical Illness Insurance scheme that provides you protection against the risk of 8 critical illnesses. It gives you the security of knowing that a guaranteed cash sum will be paid in case you are diagnosed with a life-threatening illness.
A serious critical illness or injury can be cured, but could lead to financial problems for you and your family. Add in mounting costs of hospitalization, compounded by loss of employment in some cases – can now be countered with this specially designed cover that keeps in mind the critical illnesses and other attendant risks that are especially faced by women.
Key Features
100% of sum insured would be paid if the insured member is diagnosed with listed Critical Illness, (subject to policy terms and conditions), List of specific critical illnesses below –
- Breast Cancer
- Fallopian Tube Cancer
- Uterine/Cervical Cancer
- Ovarian Cancer
- Vaginal Cancer
- Permanent Paralysis of Limbs
- Multitrauma
- Burns
50% of the sum ensured would be payable if the insured member gives birth to a baby having congenital disease/disorder; benefit available for the first two children only. List of congenital diseases covered under Congenital Disability Benefit –
- Down’s syndrome
- Congenital Heart Disease
- Tracheo-esophageal fistula
- Cleft Palate with or without cleft lip
- Spina bifida
If the claim for critical illness benefit is paid under this policy there will be an additional payment of INR 25000/- towards future education of the dependent children (if any)
In the event of the Insured person losing her job within a period of 3 months of the date of diagnosis of any critical illness as covered in the policy, the policy will pay an amount of INR 25000/- towards loss of employment
| SUM INSURED | 21 – 25 years | 26 – 35 years | 36 – 40 years |
41 – 45 years | 46 – 50 years | 51 – 55 years |
| 50000 | nil | nil | nil | nil | nil | nil |
| 100000 | nil | nil | nil | nil | FMR,USG | FMR,USG |
| 150000 | nil | nil | nil | FMR,USG |
FMR,USG, PAP |
FMR,USG, PAP |
| 200000 | nil | nil | nil | FMR,USG |
FMR,USG, PAP |
FMR,USG, PAP |
Tax Benefit
Tax benefit can be claimed under section 80D of the Income Tax Act
Eligibility
| Plan Name | Covers | Add-on Benefits (Inbuilt) | Entry Age | Policy Period | Sum Insured |
| Women Specific Critical Illness Plan |
|
|
21 to 65 years | Annual Policy |
|
Annual Premium Chart
| Sum Insured | Upto 25 years | 26 – 35 years | 36 – 40 years | 41 – 45 years | 46 – 50 years | 51 years and above |
| 50000 | 250 | 375 | 688 | 1000 | 1500 | 2188 |
| 100000 | 375 | 563 | 1031 | 1500 | 2250 | 3281 |
| 150000 | 500 | 750 | 1375 | 2000 | 3000 | 4375 |
| 200000 | 625 | 938 | 1719 | 2500 | 3750 | 5469 |
| *All figures in INR | ||||||
Exclusions
Following are not covered under this plan:
Exclusions for Breast Cancer
- Pre-Malignant Tumors
Fallopian Tube Cancer:
- Carcinoma in situ
- Dysplasia
- Inflammatory masses
- Hydatidiform mole
- Trophoblastic tumours
Cervical Cancer:
- Tumours showing the malignant changes of carcinoma in situ (early form of cancer that is defined by the absence of invasion of tumor cells into the surrounding tissue, usually before penetration through the basement membrane)(including cervical dysplasia CIN-1, CIN-2, and CIN- 3)
- Squamous Intraepithelial Lesion (SIL)
- Fibroid, endometriosis, cystic lesions, Hyperplasia of any type presenting as tumors
- Hydatidiform mole, trophoblastic tumours
