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Critical Illness Plan (18-50 years)

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Critical Illness Insurance helps one to deal with life-threatening critical illnesses which require comprehensive treatments, without burdening one’s finances.
Group Protect - Critical illness 18 - 50 years from Aditya Birla Health Insurance Co. Ltd. offers coverage against 11 critical illnesses for people between 18 and 50 years of age. There is also hospitalization cover under this product.

Plan Details

Sum Insured (Rs.)

Premium incl. taxes (Rs)

Rs. 1 lakh

Rs. 1188

Eligibility: This plan can be taken by women between the age of 18 and 50, as on the last birthday. 

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

What's Covered

  • Money-in-bank

    Critical Illness Lump Sum Payout

    The following critical illnesses are covered under this policy:

    • Cancer of a specific severity
    • Myocardial infarction (first heart attack of a specific severity)
    • Open chest CABG
    • Open heart replacement or repair of heart valves
    • Kidney failure that requires regular dialysis
    • Stroke resulting in permanent symptoms
    • Major organ or bone marrow transplant
    • Permanent paralysis of limbs 
    • Multiple sclerosis with persisting symptoms
    • Coma of a specified severity
    • Motor neuron disease with permanent symptoms
    The following critical illnesses are covered under this policy:

    • Cancer of a specific severity
    • Myocardial infarction (first heart attack of a specific severity)
    • Open chest CABG
    • Open heart replacement or repair of heart valves
    • Kidney failure that requires regular dialysis
    • Stroke resulting in permanent symptoms
    • Major organ or bone marrow transplant
    • Permanent paralysis of limbs 
    • Multiple sclerosis with persisting symptoms
    • Coma of a specified severity
    • Motor neuron disease with permanent symptoms

  • Money-in-bank

    In-patient Hospitalization

    The expenses incurred due to in-patient hospitalization or day-care treatment of the policyholder outside India will be paid in respect of any critical illness as specified above, provided that: 

    • The treatment should be taken in a registered hospital or clinic as per law, rules, or regulations applicable to the country where the treatment is taken
    • Any payment shall be made only on a reimbursement basis or cashless facility basis (where available)
    • The rate of exchange as published by RBI as on the date of payment to the hospital shall be used for conversion of foreign currency amounts into Indian rupees for payment of a claim under this cover. If RBI rates are not published on the date of the policyholder’s discharge, the exchange rate next published by RBI shall be considered for conversion.

What is Not Covered / Exclusions

Here's what is not covered in this plan

  1. Any illness, sickness, or disease other than those specified as critical illnesses
  2. Any claim with respect to any critical illness diagnosed or manifested prior to the inception date
  3. Any pre-existing illness
  4. Any critical illness arising out of use, abuse or consequence, or influence of any substance, intoxicant, drug, alcohol, or hallucinogen

Waiting Period

The initial waiting period for this cover is 90 days, whereas the waiting period for a specific illness is 30 days.

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

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:

Contact Us

In case you have any queries related to 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. Our partner Insurance Company provides the insurance coverage. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The benefits mentioned above and the premium amount are subject to various factors such as the 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 Aditya Birla Health Insurance Co. Ltd. Group Protect Policy, UIN: ADIHLGP21056V022021. Please refer to the insurer's website for Policy Wordings. Purchase of this product is purely voluntary. BFL does not compel any of its customers to purchase any third party products mandatorily.

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