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Bajaj General Criti Care Plan

The base coverage options of Bajaj General Criti Care health insurance ...Read More

Up to 25 Cr
Sum insured
1
No. of plans
1100+
Pan India presence
99.23%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 18,400+ hospitals
📊 3.25 solvency ratio
✅ 99.23% claim settlement

About Bajaj General Criti Care Plan

A quick read on what this Bajaj General Health Insurance plan covers and why it might be a fit for you.

Get maximised care and an additional layer of protection against your critical illness worries. The base coverage options of Bajaj General Criti Care health insurance policy cover over 43 critical illnesses, categories of which are divided into 5 major ones including:

  • Cardiovascular care,

  • Kidney care

  • Cancer care

  • Sensory organ care

  • Transplant care

The diseases that this policy covers are cancer, heart transplant, kidney failure, stroke, brain surgery, bone marrow transplant, and others. 

Apart from this, read eligibility criteria, specifications, and exclusions under the Bajaj General critical illness policy. 

 

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 - 65 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹1 L, ₹10 L, ₹20 L, ₹50 L, ₹1 L, ₹2 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 43 critical illnesses cover
  • All-stage cancer cover
  • Physiotherapy care available

Cons

  • Sexually transmitted diseases
  • War injuries
  • Self-Inflicted injuries

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under Bajaj General Criti Care Policy are:
  • Any destruction by any government or public authority
  • An illegal or criminal act with criminal intent
  • Any sexually transmitted diseases
  • Treatment traceable to birth defects and congenital anomalies
  • War, invasion, hostilities, civil war, insurrection, revolution, military or usurped power, riot, etc
  • Radioactive contamination
  • Self-inflicted injuries
  • Suicidal attempt

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr

Other features & benefits

Specifications under Bajaj General Criti Care Policy

  • Cancer reconstructive surgery

    A lump sum amount of 10% of the SI for cancer including head, neck, breast cancers, etc.

  • Cardiac nursing

    A lump sum benefit of an additional 5% of the sum insured will be given to the insured for cardiac nursing.।

  • Dialysis care

    10% of the SI as a lump sum benefit is given for the dialysis treatment of the insured individual.

  • Physiotherapy care

    The insurer will pay 5% of the lump sum benefit out of your overall SI for physiotherapy care.

  • Sensory care

    The insurer will pay a lump sum of the overall SI against a treatment for speech therapy, or hearing impairment like a Cochlear implant.

Discounts

  • Wellness discount

    You can avail of a 5% discount for staying healthy and maintaining a fit lifestyle or taking 15,000 steps every week or more than 60,000 steps/month. These wellness points can be redeemed for a premium discount once a year on renewal.

  • Long-term policy discount

    On opting for a 2-year policy, get upto 4% discount and for a 3-year policy get upto 8% discount. Those who opt for an instalment premium payment won't get any long-term discount.

  • Online policy buying discount

    On buying the Criti Care policy online from the company's official website, the insured will get upto a 5% discount benefit.

Summing It Up

The Bajaj General Criti Care plan serves to be one of the best critical illness health insurance plans that cover cancer from early to final stages, 43 specified critical illnesses and offers benefits such as lump sum payout benefits, etc.

Having a health insurance policy that covers you financially when in a critical illness emergency is a blessing in disguise for this era. To know more about this policy, dial 1800 4200 269 to talk to our health insurance experts and advisors.

Bajaj General Criti Care Policy: FAQs

The 5 most-asked questions about Bajaj General Criti Care Plan, answered.

The Bajaj Criti Care policy covers over 43 critical illnesses as base cover and provides a lump sum payout benefit on diagnosis of the listed illnesses.
An individual who’s between 18 to 65 years of age can buy this policy. But this policy is available only on an individual basis.
Yes, the benefits of the survival period under the critical illness plan are as follows: 0 days: Loading of 5% is applicable, 15 days: A discount of 3% is applicable, 120 days waiting period: Loading of 5% is applicable
It can save you from draining all your savings on hefty medical bills while getting treated for any of the listed 43 critical illnesses, including cancer of all stages.
The sum assured options will go upto INR 2 Crores at a maximum.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 30 Jan 2025 · Originally published: 30 Jan 2025

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