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Bajaj General Women Specific Critical Illness Plan

Bajaj General’s women-specific critical illness plan protects women ag ...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 Bajaj General Women Specific Critical Illness Plan

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

Protection from critical illnesses when you need it the most!

Bajaj General women specific critical illness plan protects women against the serious threats of critical illness. Depending on the diagnosis of a critical illness, the insurer provides a guaranteed payout.

It not only protects you from a life-threatening condition but also helps save your hard-earned money. The women's critical illness policy covers the hospitalization cost, compensates for the loss of a job, funds the education of the insured's children, and so on. To simply understand this, read further the basic and additional covers of this policy:

The basic cover:

  • Critical Illness Cover
  • Congenital Disability Benefit

In-built add-on benefits:

  • Children Education Bonus
  • Loss of Job

This page discusses the eligibility criteria, benefits, specifications, and exclusions of the Bajaj General women-specific critical illness policy. Read on to learn more about this plan.

Plan at a glance

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

Entry age
21 years - 65 Years
Plan type
Critical Illness Health Insurance
Sum insured options
₹50 L, ₹1 L, ₹1 L, ₹2 L
Waiting period
90 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.

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 Not 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 Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

What are the Benefits of Women's Critical Illness Policy?

A critical illness insurance plan has several benefits, especially when you are a woman. Bajaj General women-specific critical illness policy offers the exclusive benefits mentioned below:

  • The insured member gets the lump sum amount for their treatment of diseases specified in the policy documents

  • Avail add-on benefit options such as treatment coverage for congenital anomalies, newborn and children education coverage, and so on.

  • Hassle-free in-house claims settlement process.

  • Affordable premium options.

  • Tax benefits under Section 80D of the Income Tax Act against all the premiums the insured has paid to the insurer.

Specifications of Bajaj General Women Specific Critical Illness Insurance

Specifications What's to check for?
Critical illness cover Here is a list of critical illnesses that you can avail of treatment benefits for:
Fallopian Tube Cancer
Uterine/Cervical Cancer
Ovarian Cancer
Vaginal Cancer
Permanent Paralysis of Limbs
Multi-trauma
Burns
Congenital disability benefit Congenital disability benefit of this plan covers the following congenital disabilities: Down's syndrome
Congenital cyanotic heart disease:
Tetralogy of Fallot
Transposition of great vessels
Total Anomalous pulmonary venous drainage
Truncus Arteriosus
Tricuspid Atresia,
Hypoplastic Left Heart Syndrome
Tracheoesophageal fistula
Cleft Palate with or without cleft lip (Cleft lip alone is specifically excluded)
Spina bifida (Spina bifida occulta is specifically excluded)
Loss of job cover In case the insured woman loses her job after the diagnosis of a critical illness, the insurer will pay out INR 25,000 as a loss of employment benefit. Given that the critical illness's condition should be as per specifications.
Children education bonus In a condition where the insured has claimed for any of the listed critical illnesses, the company will pay for their children's education. The maximum payable amount in such cases will not be more than INR 25,000.
Long-term discount For the policy period of 2 years- 4% discount
For the policy period of 3 years- 8% discount
Pre-policy medical check-up Going through a pre-policy medical examination is mandatory for a 41-year-old (or above) policy proposer. Here are the tests conducted for the pre-policy examination:
Ultrasonography of Abdomen and Pelvis
PAP Smear Test

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 Women Specific Critical Illness Policy are:
  • Any non-recommended critical illness or claimed earlier than the waiting period
  • STDs, LAV-caused diseases, AIDS, etc
  • Postpartum or childbirth complications, etc (not applicable to the congenital disability benefit of the policy)
  • Occupational diseases
  • War, civil wars, riots, confiscation or destruction by the authority, and so on
  • Military operations, terrorism, etc
  • Nature’s perils such as earthquakes, avalanches, hurricanes, volcanic eruptions, natural calamities, etc.
  • Nuclear or radioactive contamination
  • Intentional self-injury, an attempt to suicide, or suicide
  • Drug abuse, alcoholism, intoxicating substance consumption, etc

Other features & benefits

Wrapping it up

Even today, there is barely a suitable health insurance policy for women that covers their serious health matters! All the prolonged diseases such as breast cancer, fallopian tube or ovarian cancer, vaginal cancer, and more are specifically related to women. We can't ignore the fact that women need health insurance like Bajaj General women-specific critical illness plan that covers them for expensive critical illness treatment.

So what's your excuse for not buying this critical illness plan? Give us a call at 1800 4200 269 to get your queries answered now.

Bajaj General Women Specific Critical Illness Plan: FAQs

The 5 most-asked questions about Bajaj General Women Specific Critical Illness Plan, answered.

Here is a list of specified critical illnesses that women’s critical illness insurance of Bajaj Allianz covers: Breast Cancer Fallopian Tube Cancer Uterine/Cervical Cancer Ovarian Cancer Vaginal Cancer Permanent Paralysis of Limbs Multi-trauma Burns
A woman who is between the ages of 21 to 65 years can buy this policy.
If the insured woman loses her job within 3 months of a critical illness diagnosis, the policy will cover upto INR 25,000 as loss of employment.
The insured individual (women) can include their sister, mother, or mother-in-law under a floater policy.
Yes, there’s an in-built additional cover that offers loss of job cover and children’s education benefits.

Conclusion

This plan is designed specifically for women, offering financial protection against major female-rel

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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: 31 Jan 2025 · Originally published: 31 Jan 2025

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