Health Insurance 286 views January 8, 2022

Bajaj Allianz Criti – Care is a health insurance policy that covers the expenses of your medical treatment when you’re diagnosed with the listed disease as specified in the schedule. The tenure of this policy is – 1year, 2 years, or 3 years. You can choose one or more critical illness sections for your coverage under this policy that is as follows –

  • Section I: Cancer Care (Category A & B)
  • Section II: Cardiovascular Care (Category A & B)
  • Section III: Kidney Care (Category A & B)
  • Section IV: Neuro Care (Category A & B)
  • Section V: Transplant Care & Sensory Organs Care (Category A & B)

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Let’s Talk About the Category-wise Benefits in Brief

The benefits payable will be independent of each section if you choose more than one critical Illness section. You can file two claims one from Category A conditions and another from Category B conditions. It means you cannot claim under only one of the opted sections for two conditions listed in Category A. 25% of the sum assured is payable for Category A conditions and 100% sum assured for category B conditions. And if a claim has already been filed under Category A condition, the amount payable for Category B condition will be the remaining Sum Assured i.e. 75% of the sum assured. Read this page further to learn more about the coverage under Bajaj Allianz Criti – Care

Bajaj Allianz Criti – Care Section I: Cancer Care (Category A & B)

Under Category A, you’ll get coverage for the following –

  • Early Stage
  • Carcinoma -in-situ
  • And for Cancer of Specified Severity under Category B

Bajaj Allianz Criti – Care Section II: Cardiovascular Care (Category A & B)

The insurance company will pay bills for the following under Category A –

  • Angioplasty
  • Insertion of Pacemaker / Implantable Cardioverter Defibrillator
  • Minimally Invasive Surgery of Aorta
  • Balloon Valvotomy or Valvuloplasty
  • Surgery for Cardiac Arrhythmia
  • Carotid Artery Surgery
  • Surgery to place Ventricular Assist Devices or total artificial hearts
  • Infective Endocarditis
  • Pericardiectomy
  • Percutaneous Heart Valve Replacement / Repair

For Category B, the plan covers the following –

  • Myocardial Infarction ( First Heart Attack – of Specific Severity)
  • Open Chest CABG
  • Open Heart Replacement or Repair of Heart Valves
  • Major Surgery of Aorta
  • Heart Transplant
  • Cardiomyopathy

Section III: Kidney Care (Category A & B)

You can get treatment for the following under category A –

  • Removal of one kidney
  • Partial Nephrectomy

And under category B, the following will be covered

  • Kidney Failure Requiring Regular Dialysis
  • Systemic lupus Erith. with Renal Involvement
  • Kidney Transplant

Section IV: Neuro Care (Category A & B)

During the policy term, you can get coverage for the following under category A –

  • Cerebral Aneurysm treatment via Endovascular procedure
  • Permanent Paralysis of one limb Coma of Specified Severity

Whereas category B covers the following –

  • Stroke Resulting in Permanent Symptoms
  • Permanent Paralysis of one limb
  • Motor Neurone Disease with Permanent Symptoms
  • Multiple Sclerosis with Persisting Symptoms
  • Benign Brain Tumor
  • Brain Surgery
  • Major Head Trauma

Section V: Transplant Care & Sensory Organs Care (Category A & B)

In case of the following events, the same will be treated under category A –

  • Blindness in one eye
  • Deafness in one ear Deafness in both ears

And for the below-mentioned, category B coverage will be provided –

  • Blindness in both the eyes
  • Loss of Speech
  • Lung Transplant due to End-stage lung failure*
  • Liver Transplant due to End Stage liver failure**
  • Pancreas Transplant
  • Bone Marrow Transplant

Wellness Discount Available Under the Bajaj Allianz Criti – Care Plan

You are eligible for a 5% discount at each renewal if you maintain a healthy lifestyle by engaging in physical fitness activity. And to confirm the same, you need to submit the below-mentioned medical test reports –

  • ECG
  • Fasting Blood Sugar
  • Sr. Creatinine
  • Lipid Profile
  • Cholesterol
  • Triglycerides
  • BMI

Exclusions from Bajaj Allianz Criti – Care

The insurer won’t be liable to pay for the following –

  • Any sexually transmitted diseases
  • Treatment arising from or traceable birth defects and congenital anomalies
  • War, whether it is declared or not, invasion, the act of a foreign enemy, hostilities, civil war, insurrection, rebellion, revolution, mutiny, military or usurped power, riot, strike, lockout, military or popular uprising, civil commotion, martial law or loot, sack or pillage in connection therewith
  • Confiscation or destruction by any government or public authority or any act or condition incidental to any of the above
  • Any natural peril – storm, tempest, avalanche, earthquake, volcanic eruptions, hurricane, or any other kind of natural hazard
  • Radioactive contamination
  • Self-inflicted injuries, suicide attempt, insanity, and deliberate participation in an illegal or criminal act with criminal intent
    Use or misuse of intoxicating drugs and/or alcohol, except under the direction of Medical Practitioner

Free Look Period

A 15-day free look period of fifteen days starts from the date of receipt to review the terms and conditions of the policy. And if the same is not acceptable, you can return the policy. If you have not made any claim, you can get a refund of the paid premium less any expenses incurred by the company on medical examination and stamp duty charges. Where the risk has already commenced, a deduction towards the proportionate risk premium for the period on the cove will happen. If only a part of the insurance coverage is commenced, such proportionate premium commensurates with the insurance coverage during such period

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