What is the Critical Illness Cover (17 Major Illness)?

Treatments for critical illnesses can include surgeries, pathology tests, hospitalisation, transplants, dialysis, etc. One can only imagine the costs a patient has to incur to be able to access such facilities and the financial loss this can be stressful. To help cushion this blow,  Bajaj Markets presents the Critical Illness Cover (17 Major Illness) from Bajaj Allianz General Insurance Co. Ltd. at a premium rate starting at just Rs. 238.

Eligibility Criteria 

To be eligible for the Critical Illness Cover (17 Critical Illness) Policy, you must be between the ages of 18 years and 65 years.

What's Covered

If the policyholder has been diagnosed with any of the following illnesses or ailments, the sum insured of up to Rs. 1 Lakh will be provided to them.

1. Third-Degree Burns

2. Open Heart Replacement or Repair of Heart Valves

3. Coma of Specified Severity

4. Alzheimer’s Disease

5. Stroke leading to permanent repercussions

6. Permanent Limb Paralysis

7. Myocardial Infarction (of specific severity)

8. Organ/Bone Transplant

9. Cancer of specified severity

10. Primary Parkinson’s Disease

11. Last-Stage Liver Failure

12. Brain Tumour (Benign)

13. Aorta Surgery

14. Primary Pulmonary Hypertension

15. Open Chest CABG

16. Multiple Sclerosis with Persisting Symptoms

17. Kidney Failure (daily dialysis requirement)

Policy Plan Details & Specifications

Following are the details of the Critical Illness Cover (17 Major Illness).

What’s Not Covered?

Given below are the mandatory exclusions of this policy.

Pre-existing Illnesses

Any ailment or illness for which treatment has already been recommended by a medical professional is not covered under this policy. Additionally, the policy does not insure illnesses or diseases that were contracted or had manifested before commencement of the policy. 

Prenatal and Postnatal Issues

Ailments, complications or diseases arising for the child(ren) or the mother from pregnancy or childbirth are not covered under this policy.

Occupational Diseases

Diseases, ailments or anomalies like musculoskeletal disorders, PTSD, etc. manifested from work environments or work activities are not provided coverage.

Radioactive Impairment

Defects, defilements, cancers and tumours directly or indirectly traceable to radioactive sickness or contamination do not qualify to receive sum insured. 

Intentional Harm

Injuries or anomalies caused due to self-harm or substance abuse will not be covered under this policy.

*For a detailed list of exclusions, terms and conditions, please refer to the document attached.

How to Make a Claim

In order to claim this policy, you can contact Bajaj Allianz General Insurance Co. Ltd. in the following ways.

• Email Address: customercare@bajajallianz.co.in

• Toll-free Number: 1800-209-1021

Customer Care Details

Feel free to contact Bajaj Markets by writing to insuranceconnect@bajajfinservmarkets.in