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Bajaj Allianz Women Specific Critical Illness

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Bajaj Allianz Women Specific Critical Illness Plan

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.

Bajaj Allianz Women Specific Critical Illness Plan – Eligibility

Plan Name Covers Add-on Benefits (Inbuilt) Entry Age Policy Period Sum Insured
Women Specific Critical Illness Plan
  • Critical Illness Cover
  • Congenital Disability Benefit
  • Children Education Bonus
  • Loss of Job
21 to 65 years Annual Policy
  • INR 50000/-
  • INR 100000/-
  • INR 150000/-
  • INR 200000/-
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


What is covered under the Bajaj Allianz Women Specific Critical Illness Plan

 Critical Illness Cover 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
  • Congenital Disability Benefit
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
  • Children Education Bonus
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)
  • Loss of Job
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



Additional Features in Bajaj Allianz Women Specific Critical Illness Plan      

  • Insured receives the amount as lump sum so that she can plan the treatment accordingly
  • Coverage for new born baby’s congenital ailments
  • Children Education Bonus
  • Loss of job
  • Hassel-free in-house claim process
  • Premium paid is exempt under section 80-D of IT act
  • Competitive premium rates

Pre Policy Medical Checks

SUM INSURED 21 – 25 years 26 – 35 years 36 – 40
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

What is not covered in Bajaj Allianz Women Specific Critical Illness Plan

 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

Tax Benefits  in Bajaj Allianz Critical Illness Policy

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

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