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Group Guard 40 Critical Illness Cover Plan

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When a patient suffers from a critical illness, they often need immediate treatment that can even lead to hospitalization or a surgical procedure. However, these expenses can often get hard to manage for families. By availing an insurance policy that covers these costs, you can ensure that financial restrictions will not be a problem.
Bajaj Finance brings to you Group Guard Insurance Policy – Critical Illness (40 major illnesses) from Bajaj Allianz General Insurance Co. Ltd., which provides coverage against 40 critical illnesses with a sum insured up to Rs. 1 lakh.

Plan Details

Age Band

Premium Including GST 

18-25 Years

Rs. 309

26 – 30 Years

Rs. 388

31 – 35 Years

Rs. 532

36 – 40 Years

Rs. 714

41 – 45 Years

Rs. 1,636

46 – 50 Years

Rs. 2,798

51 – 55 Years

Rs. 4,400

56 – 60 Years

Rs. 7,531

61 – 65 Years

Rs. 11,512

What's Covered

  • Money-in-bank

    40 Critical illness coverage

    On the detection of any of the 40 critical illnesses mentioned below, the policyholders will get the sum insured

    40 Critical Illness

    1

    Cancer of Specified Severity

    21

    Blindness

    2

    Kidney Failure Requiring Regular Dialysis

    22

    Cardiomyopathy

    3

    Major Organ /Bone Marrow Transplant

    23

    Deafness

    4

    Multiple Sclerosis With Persisting Symptoms

    24

    End-Stage Lung Failure

    5

    Myocardial Infarction (First Heart Attack of Specific Severity)

    25

    Good pasture's Syndrome

    6

    Open Chest CABG 

    26

    Loss Of Independent Existence

    7

    Permanent Paralysis of Limbs

    27

    Loss Of Limbs

    8

    Primary (Idiopathic) Pulmonary Hypertension

    28

    Loss Of Speech

    9

    Stroke Resulting in Permanent Symptoms

    29

    Medullary Cystic Disease

    10

    Surgery of Aorta

    30

    Motor Neuron Disease With Permanent Symptoms

    11

    Alzheimer's Disease 

    31

    Multiple System Atrophy

    12

    Benign Brain Tumour 

    32

    Muscular Dystrophy

    13

    Coma of Specified Severity 

    33

    Myasthenia Gravis

    14

    End-Stage Liver Failure 

    34

    Pneumonectomy

    15

    Open Heart Replacement or Repair of Heart Valves

    35

    Progressive Scleroderma

    16

    Primary Parkinson's Disease

    36

    Progressive supranuclear palsy

    17

    Third Degree Burns

    37

    Pulmonary Artery Graft Surgery

    18

    Angioplasty

    38

    Refractory Heart Failure

    19

    Apallic Syndrome

    39

    Lupus Erythematosus

    20

    Aplastic Anaemia

    40

    Major Head Trauma

What is Not Covered / Exclusions

  1. Any critical illness for which care, treatment, or advice was recommended by or received from a physician or medical practitioner, or which first manifested itself or was contracted before the start of the cover period, or for which a claim has or could have been made under any earlier policy.
  2. Any critical illness diagnosed within the first 30 days of the date of commencement of the cover period is excluded. This exclusion shall not apply to the policyholder for which coverage has been renewed (without a break) for subsequent years and or the person who has opted for waiver of waiting period for critical illness.
  3. Treatment arising from or traceable to pregnancy, childbirth postpartum complications including but not limited to caesarian section, birth defects and congenital anomalies.
  4. Occupational diseases. 
  5. Radioactive contamination.
  6. Intentional self-injury or the use or misuse of intoxicating drugs or alcohol.
  7. Any pre-existing disease is not covered under the policy.

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


Pre-existing conditions are not covered
Pre-existing condition means any condition, ailment or injury or related condition(s) for which there were signs or symptoms or were diagnosed, or for which medical advice or treatment was received within 48 months prior to the first policy issued by the insurer and renewed continuously thereafter.

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 Bajaj Allianz General Insurance Co. Ltd. Group Guard Insurance policy, UIN: BAJHLGP20109V011920. 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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