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A Critical Illness plan means you can insure yourself against the risk of serious illness in much the same way as you insure your car and your house. It will give you the same security of knowing that a guaranteed cash sum will be paid if the unexpected happens and you are diagnosed with a critical illness. The purpose of of a critical illness plan is to let you put aside a small regular amount now, as an insurance against all this happening. The statistics speak for themselves and if you become a part of them at least you will be sure that lack of money won't add to your problems. Bajaj Allianz, in its efforts to provide a customer centric solution is offering an insurance policy to cover to some of these critical illnesses like
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- Cancer
- Multiple sclerosis
- Paralysis
- Coronary Artery bypass surgery
- Major organ transplant
- Primary Pulmonary Arterial Hypertension.
- First Heart attack
- Stroke
- Kidney Failure
- Arota graft surgery
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| Features |
- Very competitive premium rates
- Insured can opt for Sum Assured from 1,00,000 to Rs. 50,00,000
- Premium paid is exempt under the Income Tax section 80 D
- The product is offered from 6 to 59 years
- Medical examination may be required in some cases based on the age and the benefit amount opted by the proposer.
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| Benefits |
- Easy availability of money to take care of the medical expenses.
- All related expenses for treatment is covered.
- Most in the family can be covered.
- Frees insured of mental anxiety / stress during difficult times.
- Comprehensive coverage with nominal expense.
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| Advantages |
- The benefit amount is payable once the disease is diagnosed meeting specific criteria and the insured survives 30 days after the diagnosis.
- The insured receives the amount as lumpsum so that he can plan the treatment accordingly
- Expenses like donor expenses in a transplant surgery, which are not covered under normal health insurance policy, can be paid out of the amount received under this cover both in India & abroad
- Claims procedure : The insured needs to submit the claim from along with certificate from the specialist confirming occurrence of the critical illness.
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