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Bajaj Allianz Criti Care Policy

Bajaj Allianz is a leading insurance solutions provider that understands the significant financial burden that a Critical Illness can bring, especially if the Breadwinner of the family gets diagnosed. The company introduces Criti Care, which covers a variety of life-threatening disorders that one can have in his or her lifetime, to help you get through this. This critical illness insurance program will serve as a safeguard against the high costs of treating some life-threatening illnesses.

The policy has terms of one, two, or three years. The policy can be renewed normally, and all benefits awarded under the policy will remain in effect. Additionally, the policy offers a grace period starting 30 days after the expiration date.

Read on to know more about the Bajaj Allianz Criti Care Policy’s eligibility, inclusions, exclusions, benefits, and more.

Eligibility Criteria

Here is the eligibility criteria for Bajaj Allianz Criti Care Policy.

ParametersDetails
Age

· Minimum entry age for Adults- 18 years

· Minimum entry age for Child- 3 months

· Maximum entry age for Adults – 65 years

· Maximum entry age for Children – 30 years

Policy period1 year, 2 years or 3 years
Covered MembersSelf, Spouse, Dependent Children and Grand Children, Parents and Parents-in-law, Sister, Brother, Aunt, Uncle
Sum Assured

Minimum- Rs. 1 Lakhs

Maximum- Rs. 50 lakhs

Coverage Under Bajaj Allianz Criti Care Policy

Cardiac Nursing:Bajaj Allianz will contribute an additional 5% of the Sum Insured if your claim is accepted under Category B of Section II (Cardiovascular Care). For the insured, a lump sum benefit amount is designated for cardiac nursing.
Dialysis Care:If your claim is accepted under Section III, Category B (Kidney Care), Bajaj Allianz will pay an additional 10% of the Sum Insured. The insured’s dialysis care will be paid for in a single sum.
Physiotherapy Care:Bajaj Allianz will contribute an additional 5% of the Sum Insured if your claim is accepted under Category B of Section IV (Neuro Care). A lump sum benefit amount is designated for the insured’s physiotherapy care.
Sensory Care:Bajaj Allianz will pay an additional sum equal to 5% of the Sum Insured if your claim is approved under Category B of section V (Transplants Care and Sensory Organs Care). The insured person is given a lump sum benefit amount for speech therapy and hearing loss treatments like Cochlear implants.
Wellness Discount:A 5% discount is offered to all Bajaj Allianz Criti Care health insurance policyholders at each renewal. To maintain a fit and healthy lifestyle, the individual must engage in physical activity regularly.
Long-Term Policy Discount

A 4% discount is available if a two-year policy is chosen.

An 8% discount is available if a three-year policy is chosen.

Features & Benefits of Bajaj Allianz Criti Care Policy

The following are the features and benefits of the Bajaj Allianz Critic Care Policy.

  1. Base Coverage Available Under the Policy

43 different critical illnesses are covered in total, which is divided into 5 main categories, including Care for cancer, cardiovascular disease, kidney disease, neurological disorders, organ transplants, and sensory organs.

  1. Policy Type

The individual sum insured option for Criti Care health insurance means that each family member will have a unique sum insured. It enables the individual to select from a variety of sum assured options.

  1. Multi-Year Policy

The policy has terms of one, two, or three years. The policy can be renewed normally, and all benefits awarded under the policy will remain in effect. Additionally, the policy offers a grace period starting 30 days after the expiration date.

  1. Instalment Payments for Premiums

Under certain circumstances and restrictions, the insurance can be paid in instalments. If the person fails to pay the instalment by the deadline, no interest will be assessed. The person will be given a grace period of 15 days to pay the unpaid instalment premium for the policy. However, the insurance would be cancelled if the premium is not paid during the grace period.

  1. Sum Assured

The sum assured is the amount provided to the insured person by their plan. This guaranteed amount varies depending on the section and age of the person.

Under all the 5 sections;

  • The entrance age range of 18 to 65 years for minimum SA is 1 lakh.
  • The maximum SA for applicants under the age of 60 is Rs. 50,000 per section.
  • For ages between 61 and 65, the maximum SA is 10 lac per section.

Exclusions Under Bajaj Allianz Criti Care Policy

Any critical illness or its symptoms identified within the first 180/120 days of the initial policy’s start date with the company, as specified in the policy schedule, are excluded. This exclusion does not apply to an insured for whom the named insured has continuously renewed coverage for succeeding years.

  1. Any sexually transmitted diseases
  1. Treatment arising from or traceable to birth defects and congenital anomalies.
  1. War, whether it is declared or not, invasions, acts of a foreign enemy, hostilities, civil wars, insurrections, rebellions, revolutions, mutinies, military or usurped power, riots, strikes, lockouts, military or popular uprisings, civil commotions, martial law, or looting, sacking, or pillaging in connection therewith, confiscation or destruction by any government or public authority, or any act or circumstance incidental.
  1. Any threat from nature (including but not limited to the storm, tempest, avalanche, earthquake, volcanic eruptions, hurricane, or any other kind of natural hazard).
  1. Radiological contamination
  1. Intentional and self-inflicted harm, attempted suicide, insanity, and participation by the insured in unlawful or criminal conduct.
  1. Misuse of intoxicating substances, such as alcohol or narcotics, unless directed by a medical professional

Bajaj Allianz Criti Care Policy Premium

Illustration of premium calculation of Criti-Care policy for 3 members for a one-year policy.

Waiting

Period

180 DaysSections and Sum Insured (In Rs.)

Premium

excl. GST

(In Rs.)

Survival

Period

7 Days    
 AgeCancer CareCardiac CareKidney Care 
Member 135 Years50,00,00050,00,00050,00,000Rs. 5,200
Member 233 Years25,00,00025,00,00025,00,000Rs. 2,600
Member 38 Years10,00,00010,00,00010,00,000Rs. 930

Frequently Asked Questions

This policy can be opted for by both Indians and Non-Resident Indians, provided the premium is paid in Indian currency.

The due date for the policy’s instalment premium would be extended by 15 days.

Except in cases of fraud, deception, moral hazard, lack of cooperation on the part of the insured, the use of a false statement or declaration, or the occurrence of a critical illness event, lifetime renewal benefits are generally available under the terms of the policy.

According to the Portability Guidelines released by IRDAI, clients who were holding comparable retail Criti-Care policies from other non-life insurers or health insurers must receive the applicable benefits.

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