Bajaj Allianz Critical Illness Plan

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Bajaj Allianz Critical Illness

	Objective			This is a special insurance policy which covers insured person against 10 major critical illnesses.
Suited for			Though this policy can be bought by anyone, it is a must for those who have family history of any serious illness.
What does it do?			It pays sum insured in lumpsum on confirmed diagnosis of any of 10 critical illnesses covered under this policy provided the insured survives for 30 days after the diagnosis. It covers cancer, coronary artery bypass surgery, first heart attack (myocardial infarction), kidney failure, major organ transplant, multiple sclerosis, stroke, aorta graft surgery, paralysis and primary pulmonary arterial hypertension.
Pros			Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act.
Cons			There is a survival period of 30 days after diagnosis of disease to reap the insurance benefit.
Our View			This policy is worth purchasing as it covers most chronic diseases at less price. Considering the rise in number of people contracting such critical diseases, it has become imperative to remain covered against critical illnesses. Anyone can buy this policy but as said earlier, if you have a family history , a critical illness policy is a must.
Eligibility
Entry Age (years)
Minimum		6
Maximum		59
Coverage Type		Individual cover
Policy Term (years)		1
Sum Insured (Rs)
Maximum		50 lakh
Minimum		1 lakh
Tax Benefit		Premium paid is exempt under Section 80D of Income Tact Act
Policy Termination		Company can teminate the policy by giving a 7 days writtenn notice to policyholder.Similarly, Policyholder is allowed to terminate the policy at anytime by giving a 7 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Customer Service
Address		Bajaj Allianz General Insurance Company Limited. GE Plaza, Airport Road, Yerawad, Pune - 411006
Mail to		customercare@bajajallianz.co.in
Call to		1800 225858(BSNL/ MTNL); 1800 1025858 (Bharti users- mobile/ landline) or 020 30305858

 

	Scope of Cover
Critical Illness
Cancer		covered
Coronary Artery Bypass Surgery		covered
First Heart Attack:- (Myocardial Infarction)		covered
Kidney Failure		covered
Major Organ Transplant		covered
Multiple Sclerosis		covered
Stroke		covered
Aorta Graft Surgery		covered
Paralysis		covered
Primary Pulmonary Arterial Hypertension		covered

 

	Exclusions and Waiting period
Waiting period		90 days from inception of the policy for sll illnesses
Survival Period		30 days for insured on diagnosis of critical illness
Other excusions		Pre-existing diseasesAIDS and or other related diseases

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