Health Insurance and Life Insurance policies provide you cover for general medical benefits, however, in case of critical illness the expense can be high and long term which is generally not covered under a health or life insurance policy. Hence having a critical illness policy is a small investment for a heavy financial pressure that can be levied on you due to any critical illness.
To provide additional benefits in instances of critical illnesses, Bajaj Finance has formed its Lifestyle Protection Group Insurance Policy Critical Illness Cover – 6 Critical Illnesses from Manipal Cigna Health Insurance which provides benefit of 6 critical illness (Cancer of specific severity, Myocardial Infarction, Open chest CABG, Open Heart replacement or repair of heart valves, Coma of specified severity, kidney failure requiring regular dialysis) with a sum insured upto Rs. 3 Lakhs.
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 Tumour etc. Examples of cancer are Lung Cancer, Breast Cancer and Cervical Cancer.
Coronary artery bypass grafting (CABG) is a type of surgery that improves blood flow to the heart to treat people who have severe coronary heart disease (CHD). CHD is a disease in which a waxy substance called plaque builds up inside the coronary arteries and reduces the flow of oxygen-rich blood to the heart and may lead to a heart attack. During CABG, a healthy artery or vein from the body is connected, or grafted, to the blocked coronary artery.
This is a surgical procedure during which surgeons may remove a damaged valve from the heart and substitute a healthy one/ repair the existing valve. Four valves direct blood to and from the body through the heart and any of these valves may malfunction and result in symptoms. These symptoms may progressively worsen unless the damaged valve/valves are repaired/replaced.
A lung transplant is a surgical procedure to replace a diseased or failing lung with a healthy lung, usually from a deceased donor to treat lung disease. During a lung transplant, surgeons remove your diseased lung and then attach a donor lung to your airway and to the blood vessels that lead to and from your heart.
A kidney transplant is a surgery done to replace a diseased kidney with a healthy kidney from a donor to treat kidney failure. The kidney may come from a deceased organ donor or from a living donor. Family members or others who are a good match may be able to donate one of their kidneys.
A liver transplant is a surgical procedure that removes a liver that no longer functions properly (liver failure) and replaces it with a healthy liver from a deceased donor or a portion of a healthy liver from a living donor, to treat liver disease. Waiting Period Name Duration Critical Illness Waiting Period 90 days Survival Period 30 days
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