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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Bajaj General Critical Illness

The plan is designed to ensure round-the-clock protection against 10 l ...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 Critical Illness

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

Bajaj General critical illness insurance plan ensures you a round-the-clock protection against critical illnesses. With a progressive and changing lifestyle, humans are becoming prone to illnesses that were not even named a few decades ago.

Also, the mounting medical costs of critical illness treatment seem to be haunting you until you've not planned your future healthcare with a health insurance policy like Bajaj General that covers critical illnesses of 10 types encouraging you to live a healthy life. Moreover, it helps your family cope with life-threatening illnesses by contributing to financial support.

Additionally, what to expect from the Bajaj General critical illness policy? The standing out features of this insurance policy such as flexibility to optimize your premiums, 100% payout benefit, family coverage, seamless portability benefit, and so on make it more reliant. Rest, the eligibility, benefits, exclusions, and more are discussed on this page.

Plan at a glance

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

Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹10 L, ₹20 L, ₹30 L, ₹40 L, ₹50 L
Waiting period
90 days
Renewability
Lifetime
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

  • Cover for 10 critical illnesses
  • Lifelong renewability
  • Affordable premium options

Cons

  • No cover for childhood defects
  • No cover for HIV/AIDS
  • Survival period of 30 days

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not Applicable
  • Sub-limits Not Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Bajaj Health Insurance

Bajaj Health Insurance

This video explains Bajaj Health Insurance in detail.

Benefits of Bajaj General Critical Illness Policy

  • Read below what the standing out benefits that critical illness Bajaj General policy covers for the policyholder/s:-
Benefits Explanations
Flexibility The policyholder is free to choose for additional sum insured at the time of renewal to optimize the value of cover as per previous policy documents. Given that, the premiums will change dramatically.
Assured payout The insured can avail of a 100% payout benefit against this policy when diagnosed with a critical illness as per coverage. Given, that he/she needs to survive for 30 days at minimum after diagnosis of the illness (the survival period is 30 days).
Family coverage The Bajaj General critical illness policy will cover the family members of the insured under the same plan including spouse, and dependent children (minimum 6 years of age), parents, grandparents, grandchildren, siblings, parents-in-law, etc.
Multiple sum insured options The available sum insured options for children/adults and seniors vary as; For the age group 6 to 60 years, the sum insured limit is INR 1 Lakh to 50 Lakhs and for people aged from 61 to 65 years, the sum insured ranges from INR 1 Lakh to 5 Lakhs.
Organ donor expenses The major organ transplantation expenses are covered by this policy. Apart from that, in-patient hospitalization, room rent and other medical charges are covered.
Cumulative bonus If the policyholder does not claim their policy in a year, they are eligible for cumulative bonus or no-claim bonus benefit in the form of a discount on respective year premiums.
Tax benefits All the premiums paid towards Bajaj General critical illness policy are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Bajaj Allianz Critical Illness Sample Premium

For a better understanding of how much premium you need to pay under the Bajaj Allianz Critical Illness, we at PolicyX.com have calculated the premium amount for different sum insured options based on different family sizes. Refer to the table below:

Critical Illness Premium

Sum Insured (Rs.) 5 L 10 L 20 L 30 L 50 L
Premium Payable 1,500 3,000 6,000 9,000 15,000

Inclusions & exclusions

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

Exclusions

  • Permanent diseases or health conditions that are not included under the Bajaj General Critical Illness Plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage, and Abortion
  • Congenital disease
  • Infertility and in vitro fertilization

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 to 65 Years

Other features & benefits

To Be Concluded

Just thinking of losing our lives or not being able to serve the basic needs of our loved ones can lead us to distress on so many things like how will they manage their finances. So, Bajaj Health Insurance understands your concern towards them and here comes the solution. You can plan your health maintenance in prior so that you can live with peace that there's something called Bajaj General critical illness cover which can bear the treatment expenses of your critical illness.

So why go late to secure your future? Give us a call at 1800 4200 269 now to know more about this policy.

Bajaj General Critical Illness Plan: FAQs

The 6 most-asked questions about Bajaj General Critical Illness, answered.

Yes, to avail of the maximum coverage for critical illnesses and cope with the financial crisis in such conditions, you can enhance the sum insured limit of your policy.
Yes, in conditions of adverse critical illness, there will be loading charge applicability with this policy.
Yes, the sum insured limit, coverage benefits, payout benefits, etc will be only decided based on the diagnosis result of pre-policy medical check-ups.
You can receive the coverage benefits under this policy only after completing your waiting period of 90 days.
Under the portability benefit of this policy, you can port yourself or your family member/s at least a minimum of 45 days before the renewal period. After this point in time, there will be no entertainment of portability benefit.
Yes, you can cancel your Bajaj critical illness policy within the given time frame and the refunding amount will be based on when you have canceled the same.

Explore Bajaj General Health Insurance

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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: 5 Jul 2024 · Originally published: 10 Oct 2024

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