Buy Critical Illness Insurance at just ₹848 per year. 

What is the Critical Illness Plan (36-50 years)?

Critical illnesses are tough to bear. They take a huge toll on you, both mentally and physically. Moreover, the treatment of most critical illnesses comes at a hefty cost, burning a hole in your pockets. To be able to afford the best care, you must keep some financial cushion. This will allow you to put some burden off your shoulders in such a difficult time.

 

Getting yourself insured against critical illnesses is a great way to create financial backing. The Group Protect - Critical Illness Plan (36 - 50 years) from Aditya Birla Health Insurance Co. Ltd. offers up to Rs. 1 lakh in sum insured for 11 critical conditions. If you fall within the age group of 36 and 50 years of age, you can avail of the Critical Illness Plan at a nominal premium of Rs. 848/year. Let us see all the features of this plan and how it can be a great asset. 

 

Key features of the Critical Illness Plan (36-50 years)

Here are some of the many benefits of the Critical Illness Plan (36 - 50 years):

OPD Expenses & Doctor Consultations

If you incur expenses on medically necessary treatment taken during the policy period due to an illness or injury, the amount will be indemnified up to the limits specified.

Diagnostic Tests

If you incur expenses on the medically required diagnostics tests listed in the policy, they will be indemnified. However, these must have been incurred on an outpatient basis up to the limits specified in the policy.

Pharmacy Expenses

If you have any medically required pharmacy expenses, as listed in the policy, which are incurred on an outpatient basis, those expenses will be indemnified up to the limits specified in the policy.

How to apply for the Critical Illness Plan?

You can apply for the Critical Illness Plan with just a few simple steps:

  • Hit Buy Now

    Just hit the "Buy Now" button and fill out the brief application form that pops up.

  • Verify Your Submission

    Put in your mobile phone number to receive an OTP. In order to finalise your online application, please use the verification code.

  • Make the Premium Payment

    You can make the premium payment amount online using your credit card, debit card, UPI, or mobile wallet.

Once the above steps are completed, your Critical Illness Plan’s membership information will be sent to you via email or Whatsapp. 

Eligibility criteria

You can avail this cover if you meet the given requirement:

 

  • You must fall within the age group of 36 and 50 years, as on the date of your last birthday.

What’s covered under the Critical Illness Plan (36-50 years)?

Here are the primary benefits that you can avail by investing in the Critical Illness Plan (36 - 50 years):

 

1. Critical illnesses 

The Critical Illness Plan covers the following 11 critical conditions: 

  • Myocardial infarction 

  • Cancer

  • Open chest CABG

  • Kidney failure requiring dialysis

  • Open heart replacement or repair of heart valves

  • Permanent symptoms arising from stroke

  • Permanent paralysis of limbs 

  • Bone marrow or major organ transplant

  • Multiple sclerosis with persisting symptoms

  • Coma 

  • Permanent symptoms from a motor neuron disease

     

2. Second e-opinion 

You can get a second opinion from a medical professional on the condition of your critical illness.

 

3. Loan protection

Be covered against the loans you take to treat your critical illness up to the amount insured. 

Policy Plan Details & Specifications

Listed below are the policy details and specifications of the Critical Illness Plan that you must know:

  • Coverage 

The maximum coverage offered under the Critical Illness Plan is Rs. 1 lakh.

  • Validity

The Critical Illness Plan is valid for a period of one year.

What’s not Covered under the Critical Illness Plan (36-50 years)?

Listed below are the expenses and causes for which you will not be covered under the Critical Illness Plan (36 - 50 years):

 

1. Uncovered illnesses

If you have any disease, sickness, or illness that is not mentioned in the policy.

2. Claim before procuring the policy 

If you file a claim for any critical illness diagnosed prior to the date on which you have procured the cover.

3. Pre-existing illness

If you already have a disease at the time of buying the policy, it will not be covered. 

4. Substance abuse 

If you have any illness caused by the use, abuse, or consequences of a substance, intoxicant, alcohol, drug, or hallucinogen, it is not covered. 

How to make a claim?

You can reach out to the customer care team to raise a claim in any of the following ways under this Critical Illness Plan:

  • Call

File your claim at 1800-270-7000 and the representative will register it. 

  • Email

Mention your policy number and other required details and email us at healthinsurance@adityabirlacapital.com.

Customer care details

Are you facing any troubles with the Critical Illness Plan? You can get all your queries resolved by writing to us at insuranceconnect@bajajfinservmarkets.in. Our customer care team is always at your service.

Frequently Asked Questions

  • ✔️How much premium do I have to pay for the Critical Illness Plan?

    You only have to pay Rs. 848. The premium amount is inclusive of all taxes.

  • ✔️What are the benefits offered by the Critical Illness Plan?

    The primary benefits covered under the Critical Illness Plan include 11 critical conditions, a second e-opinion and loan protection.

  • ✔️What are the exclusions under the Critical Illness Plan?

    The Critical Illness Plan will not cover any conditions mentioned under the plan or conditions you were diagnosed with before availing of the policy, or any condition arising from the abuse of drugs, alcohol, or other substances.

  • ✔️What is the maximum coverage offered by the Critical Illness Plan?

    You get Rs. 1 lakh in sum insured under the Critical Illness Plan.

  • ✔️What is the waiting period under the Critical Illness Plan?

    The initial waiting period for the Critical Illness Plan is 90 days, while for a specific illness, the waiting period is 30 days.

  • ✔️For how long is the plan valid?

    The Critical Illness Plan is valid for a period of one year.