Bajaj General Critical Illness Health Insurance Plans: Compare and Buy Policy Online
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Bajaj General Health Insurance Bajaj General Health Insurance ★ 4.4

Criti Care

Comprehensive health insurance covering 43 critical illnesses with a s ...Read More

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

About Criti Care

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 plans provide a multitude of benefits that protect the insured from life-threatening critical diseases. The numerous critical illness plans offered by Bajaj General Health Insurance include a variety of sum insured options as well as supplementary benefits.

Bajaj General Critical Illness provides coverage for 43 main critical illnesses. The insurer also offers a unique plan for women that covers women-specific critical illnesses. The sum insured offered under Bajaj General critical illness varies from INR 1 Lac to 50 Lac.

Bajaj General Critical Illness Insurance offers protection such as Cancer Care, Cardiovascular Care, Kidney Care, Neuro Care,Transplants care and sensory organ care

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
Sum insured options
₹1 L, ₹1 L, ₹2 L, ₹5 L, ₹7 L, ₹10 L, ₹50 L
Waiting period
80/120 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

  • ICU cover not available
  • No pre and post-hospitalisation cover
  • No room rent cover

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 Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not Applicable
  • 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 covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Key Benefits of Bajaj General Critical Illness

The Bajaj General Critical Illness Plan protects people from losing their hard-earned money during the treatment of a costly critical illness. Along with financial security, the plan provides a slew of other advantages.

  • Tax Benefits

    Bajaj General Critical Illness Insurance is eligible under the Income Tax Act 1981. The plan premiums paid will be eligible for tax deductions.

  • Multiple Discounts

    Bajaj General Critical Illness Insurance offers a long-term policy discount wherein, a 4 % discount is applicable if the policy has been opted for 2 years and an 8 % discount is applicable if the policy has been opted for 3 years.

  • Child Education Bonus

    Under Bajaj General Critical Illness, a child education bonus is provided if a claim is paid to the insured life. INR 25,000 is paid towards the future education of the dependent child of the insured life.

  • Lifelong Renewability

    Bajaj General Critical Illness offers lifelong renewability to policyholders.

  • Portability Benefit

    Bajaj General Critical Illness offers portability benefits to its customers. If an individual is insured under any other critical illness health insurance plan, they can switch to Bajaj General Critical Illness Plan with all the benefits intact.

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 Criti Care 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

  • Early Stage Cancers
  • Carotid Artery Surgery
  • Removal of one Kidney

Bajaj General Criti Care: FAQs

The 4 most-asked questions about Criti Care, answered.

The sum insured options available are 1 L, 1.5 L, 2 L, 5 L, 7 L, 10 L, and 50 L.
The Bajaj General Criti Care plan covers 43 major critical illnesses including cancer, heart ailments, etc.
Yes, this plan provides global coverage.
This plan covers 43 critical illnesses divided into 5 categories that are cardiovascular care, kidney care, cancer care, sensory organ care, and transplant care.

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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: 7 Aug 2023 · Originally published: 10 Oct 2024

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