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Cancer Critical Illness Benefit

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Cancer is one of the world's most lethal diseases. Humans are affected by a variety of cancers, which necessitate timely treatment. These treatments can be very expensive and could impose a significant financial burden on the patient and their families. Having a medical insurance that pays out a large sum of money at affordable premiums can be lifesaving, during times of need. Cancer Critical Illness Benefit by Bajaj Finserv provides coverage up to Rs. 3 lakh with premiums starting at Rs. 113 only.

Plan Details

Age Bands 18-35 36-55 56+ Sum Insured
Premium Including GST
Rs. 113 Rs. 418 Rs. 2,268 Rs. 1 lakh
Rs. 203 Rs. 801 Rs. 4,430 Rs. 2 lakh
Rs. 293 Rs. 1,184 Rs. 6,591 Rs. 3 lakh

Eligibility: Individuals between the age of 18 and 65 years can avail of this plan. The age is taken as on the last birthday.

Plan Validity: The plan is valid for a tenor of one year.

What's covered?

  • Money-in-bank

    Cancer Critical Illness cover

    Get coverage up to Rs. 300,000 with premiums starting at just Rs. 113 including taxes.

  • Money-in-bank

    Critical illness benefit – Cancer only

    • If during the Policy Year, if the insured person suffers from Cancer-specific Illness during a policy year, the Sum Insured will be paid as specified. By definition, cancer means the uncontrolled growth of cells which can destroy the normal tissues and also invade the surrounding structures. The cells can also spread to other parts of the body. Cancer is also known as Carcinoma, Malignant Tumor etc. Examples of cancer are Lung Cancer, Breast Cancer and Cervical Cancer.

    Waiting Period Name

    Duration

    Critical Illness Waiting Period

    90 days

    Survival Period

    30 days


    Survival Period – It is the normal waiting period a person needs to survive beyond the Waiting period of 90 days in case of Cancer as mentioned.

What's Not Covered/Exclusions

  • All tumours which are histologically described as carcinoma in situ, benign, pre-malignant, borderline malignant, low malignant potential, neoplasm of unknown behaviour, or non-invasive, including but not limited to Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 and CIN-3.
  • Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond; iii. Malignant melanoma that has not caused invasion beyond the epidermis;
  • All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0
  • All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;
  • Chronic lymphocytic leukaemia less than RAI stage 3
  • Non-invasive papillary cancer of the bladder histologically described as TaN0M0 or of a lesser classification,
  • All Gastro-Intestinal Stromal Tumors histologically classified as T1N0M0 (TNM Classification) or below and with mitotic count of less than or equal to 5/50 HPFs;
  • All tumours in the presence of HIV infection.

*For a full list of exclusions, please refer to the policy wordings.

How to apply?

Applying for the Critical Illness Cover – Cancer cover requires you to fill in the online application form and pay the premium using your preferred mode of payment. Here is the step-by-step process to complete the purchase.

Step 1: Click on the ‘Apply Now button and share your basic details in the online application form.

Step 2: Check & Confirm your application by entering the OTP received on your mobile number.

Step 3: Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.

How to Apply

Click on ‘Apply Now’ button and share your basic details in the online application form

Check and confirm your application by entering the OTP received on your mobile number

Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode

You will receive the details of your membership via email/WhatsApp

Claim process

You can raise a claim by reaching out to the insurer via one of the following ways:
  • Insurer’s Email: servicesupport@manipalcigna.com
  • Insurer’s Toll free number: 1800-102-4462

Contact Us

In case you have any queries about coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com.

Disclaimer - Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under ManipalCignaFlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.

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