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36 Critical Illness Plan - 50 years

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Treatments for critical illnesses can derail one’s financial plans and it can also get difficult to achieve financial goals. Getting an insurance policy can offer financial coverage against critical illnesses, without incurring any treatment expenses.
Group Protect - Critical illness 36 - 50 years from Aditya Birla Health Insurance Co. Ltd. offers coverage against 11 critical illnesses for people between 36 and 50 years of age.

Plan Details

Sum Insured (Rs.)

Premium incl. taxes (Rs)

Rs. 1 lakh

Rs. 848

Eligibility: This plan can be taken by individuals between the age of 36 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 Illnesses

    This policy covers these 11 critical illnesses:

    • 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

    Second e-Opinion

    This cover can be availed by the policyholder only once in the policy period for the same critical illness. The Second e-Opinion will be based only on the information and documentation provided to the insurer. Under this cover, the policyholder will be provided with access to an e-Opinion and the insurer will not be deemed to substitute the policyholder’s visits or consultations with an independent medical practitioner. The insurer will not assume any liability towards any loss or damage arising out of or in relation to any opinion, advice, prescription, actual or alleged errors, omissions, and representations made by the medical practitioner. The costs under this coverage shall not be available on a reimbursement basis.

  • Money-in-bank

    Loan Protection

    The policyholder will be eligible for a payout equal to 3 EMI amounts if they are diagnosed with a critical illness and if the claim is admissible under the policy.

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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