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15 Critical Illnesses Benefit

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Due to poor eating and lifestyle habits a high population in India are at the risk of critical illnesses, as per the Health and Family Welfare Statistics in India 2019-20 report. Critical illnesses can be long term and can lead to heavy financial burden on an individual and his/her family. Hence, having a critical illness cover can prove to be very advantageous in long-term.

Therefore, to help you lessen your financial burdens in case you suffer from a critical illness, Bajaj Finance has formulated a Lifestyle Protection Group Insurance Policy Critical Illness Cover –15 Critical Illnesses from Manipal Cigna Health Insurance, which offers cover for 15 critical illness with a sum insured of up to Rs. 3 Lakhs.

Plan/ Membership Fee Details

Age Bands
Sum Insured
Rs. 1 Lakh
Rs 2 Lakhs
Rs 3 Lakhs
Premium (Including GST)
Premium (Including GST)
Premium (Including GST)
18-35
Rs. 274
Rs. 519
Rs. 764
36-55
Rs. 1,014
Rs. 1,970
Rs. 2,925
56+
Rs. 5,526
Rs. 10,820
Rs. 16,115

Eligibility Criteria: Individuals between the age group of 18-65 years can avail this policy.

Plan Validity: The policy is valid for a period of 1 year.

What's Covered

  • Money-in-bank

    In case an insured individual suffers from a specifically mentioned illness listed as mentioned below he/she can avail the benefits of the policy:

    - Cancer of specific severity
    - Myocardial Infarction (First Heart Attack – of Specific Severity)
    - Open Chest CABG
    - Open Heart Replacement or Repair of Heart Valves
    - Coma of Specified Severity
    - Kidney Failure Requiring Regular Dialysis
    - Stroke Resulting in Permanent Symptoms
    - Major Organ/ Bone Marrow Transplant
    - Permanent Paralysis of Limbs
    - Motor Neuron Disease with Permanent Symptoms
    - Multiple Sclerosis with Persisting Symptoms
    - Primary Pulmonary Hypertension
    - Aorta Graft Surgery
    - Deafness (Loss of Hearing)
    - Blindness (Loss of Sight)

    Waiting Period

    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 Waiting period of 90 days in case of 15 critical illness mentioned.

What's not covered?

- Any disease that was already existent

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

How to apply

1

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

2

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

3

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

4

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 related to coverage, exclusions, or claims, please write to us at pocketservices@bajajfinserv.in
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 ManipalCigna FlexiCare 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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