List of Critical Illnesses covered in Bajaj Allianz eTouch Online Term Plan

Last Updated: Dec 23, 2020 | 441 Views
The following 55 Critical Illnesses are covered as part of the Critical Illness (ACI) Benefit (CIB) available as an Add-on cover in the Bajaj Allianz Smart Protect Goal Term Plan.. You should refer to the policy brochure for more details on the conditions applicable in these illnesses. This is just a list of critical illnesses which are covered.

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.

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# 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. 

Deepak Yohannan
Deepak Yohannan is the CEO of MyInsuranceClub. He enjoys writing on Personal Finance and contributes regularly on sites like Reuters & Moneycontrol. He is a strong proponent of online insurance and is often found pointlessly babbling about it!