4 Benefits of Individual Critical Illness policy from Bajaj Allianz
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4 Benefits of Individual Critical Illness policy from Bajaj Allianz

  • Highlights

  • Traditional mediclaim policies have several limitations

  • Critical illness plans help enhance sum assured

  • Opt for maximum and widest coverage available

  • Bajaj Alliance offers individual critical illness cover

A serious long-term illness such as cancer can be extremely expensive to treat. Often your savings, or your regular health insurance plan may not be enough to meet these expenses. This where critical illness insurance comes in. Critical illness plans are designed exclusively to meet the financial expenses of treating serious illnesses.

Here are the four key benefits of individual critical illness policy from Bajaj Allianz:

- Wide Age Coverage

Bajaj Allianz critical illness policy can be bought from age 6 – 65 years.

- Entry age for proposer/spouse is 18 years - 65 years
- Entry age for dependent child is 6 years - 21 years

- Large Amount Coverage

Bajaj Allianz critical illness plan offers a large sum assured for a nominal premium. If you belong to the age bracket of 6 - 60 years, you can get a sum assured from Rs. 1,00,000 to 50,00,000. While senior citizens in the age group 61 - 65 years can get a sum insured between Rs. 1,00,000 and Rs. 5,00,000.

The premium paid is exempt under Section 80D of the Income Tax Act.

- Wider Disease Coverage

Bajaj Allianz Critical Illness insurance covers 10 critical illnesses which include:

- First Heart Attack (Myocardial Infarction)
- Open Chest CABG (Coronary Artery Disease Requiring Surgery)
- Stroke Resulting in Permanent Symptoms
- Cancer of Specified Severity
- Kidney Failure Requiring Regular Dialysis
- Major Organ Transplantation
- Multiple Sclerosis with Persisting Symptoms
- Surgery of Aorta
- Primary Pulmonary Arterial Hypertension
- Permanent Paralysis of Limbs

You get coverage for these once you survive 30 days post diagnosis.

- Lump Sum

Bajaj Allianz Critical Illness insurance pays a lump sum, with no strings attached. You can use this amount to pay hospital bills, and expenses towards post-surgery recovery, transportation, accommodation, etc. You can utilise the remaining amount as income replacement, or even for a vacation.

Opt for a more comprehensive critical illness cover along with your regular health insurance policy. It will make your protection against medical expenses complete. Consider Bajaj Allianz critical illness insurance. It can be bought in addition to your health insurance, to get wider and comprehensive health coverage.

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