Read the detailed Bajaj Allianz Smart Protect Goal Term Plan Review.
If you opt for the Critical illness Benefit (CIB) as an Add-on Cover, the following benefits will be payable. You will have to choose the amount of cover which you additionally want in this benefit.
On diagnosis of any Critical Illness listed in this plan, the additional cover chosen will be paid. The payouts vary depending on whether the Critical Illness is Major or Minor. You can check the List of Critical Illnesses Covered under this plan. The premium for this cover is fixed for 5 years and may be reviewed after that.
- In case of a Major Critical Illness, 100% of the CI Benefit is payable
- In case of a Minor Critical Illness other than Angioplasty, 25% of the CI Benefit is payable
- For Angioplasty, lower of 5 lakhs or 25% of the CI Benefit is payable
- A maximum of 4 Minor Critical Illnesses including Angioplasty is payable
Please note that the premium for this cover is fixed for the first 5 years, post which it may undergo a revision.
Want to know your premium? Click to compare term insurance plans.
| # | Minor Critical Illness |
| 1 | Percutaneous Heart Valve Repair |
| 2 | Angioplasty |
| 3 | Minimally Invasive Surgery of Aorta |
| 4 | Infective Endocarditis |
| 5 | Carotid Artery Surgery |
| 6 | Early Cancer (including Carcinoma in-situ) |
| 7 | Guillain Barre Syndrome |
| 8 | Nephrectomy |
| 9 | Chronic Primary Sclerosing Cholangitis |
| 10 | Secondary Pulmonary Hypertension |
| 11 | Ulcerative Colitis |
| 12 | Pericardectomy |
| 13 | Implantable Cardioverter Defibrillator |
| 14 | Acute Necrohemorrhagic Pancreatitis |
| 15 | Endovascular treatment for Cerebral Aneurysm |
| 16 | Insertion of cerebral shunt |
| 17 | Less Severe Lung Disease |
| 18 | Small Bowel Transplant |
| 19 | Cirrhosis of the Liver |
| Major Critical Illness | |
| 20 | Cancer of Specified Severity |
| 21 | Myocardial Infarction (First Heart Attack of Specific Severity) |
| 22 | Open Chest CABG |
| 23 | Open Heart Replacement Or Repair of Heart Valves |
| 24 | Coma of Specified Severity |
| 25 | Kidney Failure Requiring Regular Dialysis |
| 26 | Stroke Resulting In Permanent Symptoms |
| 27 | Major Organ / Bone Marrow Transplant |
| 28 | Permanent Paralysis Of Limbs |
| 29 | Motor Neuron Disease With Permanent Symptoms |
| 30 | Multiple Sclerosis With Persisting Symptoms |
| 31 | Benign Brain Tumor |
| 32 | Blindness |
| 33 | Deafness |
| 34 | End Stage Lung Failure |
| 35 | End Stage Liver Failure |
| 36 | Loss of Speech |
| 37 | Loss of Limbs |
| 38 | Major Head Trauma |
| 39 | Primary (Idiopathic) Pulmonary Hypertension |
| 40 | Third Degree Burns |
| 41 | Alzheimer's Disease |
| 42 | Aplastic Anaemia |
| 43 | Medullary Cystic Disease |
| 44 | Parkinson's Disease |
| 45 | Systemic Lupus Erythematosus - with Lupus Nephritis |
| 46 | Apallic Syndrome |
| 47 | Major Surgery of the Aorta |
| 48 | Fulminant Viral Hepatitis - resulting in acute liver failure |
| 49 | Primary Cardiomyopathy |
| 50 | Muscular Dystrophy - resulting in permanent loss of physical abilities |
| 51 | Poliomyelitis - resulting in paralysis |
| 52 | Sporadic Creutzfeldt-Jakob Disease (sCJD) |
| 53 | Chronic Recurring Pancreatitis |
| 54 | Bacterial Meningitis - resulting in persistent symptoms |
| 55 | Chronic Adrenocortical Insufficiency (Addison's Disease) |
It is recommended that you go through the policy brochure to understand the critical illness conditions better.