Bajaj Allianz Critical Illness

Bajaj Allianz Critical Illness Policy offers a security that a guaranteed cash sum will be paid if the insured is diagnosed with a critical illness. Bajaj Allianz Critical Illness is a benefit policy where the benefit amount as lump sum is payable once the disease is diagnosed and the insured survives 30 days after the diagnosis. 

• Sum Assured available up to Rs. 50 lacs
• If the insured survives 30 days post diagnosis of critical illness, a lump sum benefit amount is paid
• Donor’s expenses for transplant (usually not covered under mediclaim) can be paid from the amount received, both in India and abroad
• The insured receives the benefit amount as lump sum; this helps him/her to plan the treatment accordingly

• Cancer
• First heart attack
• Paralysis
• Coronary artery bypass surgery
• Kidney Failure
• Stroke
• Major organ transplant
• Multiple Sclerosis
• Aorta Graft Surgery
• Primary Pulmonary Arterial Hypertension

•  If treatment taken at non-network hospital, the expenses will be reimbursed within 14 days
• Wide cover for illnesses and diseases

 Tax benefit can be claimed under section 80D of the Income Tax Act

• Pre-existing critical illness
• Critical illness diagnosed within first 90 days from policy issuance
• Death within 30 days from diagnosing the critical illness
• HIV or AIDS related infection
• Pregnancy related or congenital diseases (existing at birth)
• War, terrorist acts, military acts etc