Criti Care

The Criti Care Policy by Bajaj General Insurance Limited is a specialised critical illness health insurance plan designed to provide comprehensive financial support for a range of life-threatening health conditions. This critical care illness insurance offers coverage for major health risks such as cancer, cardiovascular diseases, kidney issues, neurological disorders, and organ transplants. The policy covers 43 critical illnesses and provides a lump-sum payout on diagnosis, regardless of treatment costs, allowing individuals to focus on recovery without worrying about financial burdens. Bajaj General Insurance Limited’s health and critical illness insurance policy includes lifetime renewability, ensuring ongoing protection throughout a person’s life. Furthermore, the critical illness cover can be tailored based on needs, offering flexible sum assured options for broad, long-term protection. This comprehensive coverage makes it an ideal solution for securing peace of mind and protecting your future against unexpected medical costs.

Critical illnesses have a significant impact on a person’s life and surroundings. It can lead to mental stress and emotional trauma in an individual’s life. Consequently, the financial burdens they bring along are tremendous, and the person, as well as his family, struggle to meet the basic necessities of life.
To support this, Bajaj General came up with the Criti Care policy to cover a range of critical ailments that an individual may fall prey to in the course of life. This critical illness insurance plan will act as a vanguard against heavy costs associated with the treatment of certain life-threatening diseases.

A wide range of Critical Illnesses covered (total 43 illnesses) which are segregated into 5 broad categories viz. Cancer Care, Cardiovascular Care, Kidney Care, Neuro Care, Transplants Care and Sensory Organ Care.
To Name a Few of the Critical Illnesses-

●      Kidney failure

●      Cancer

●      Cardiovascular diseases, including angioplasty procedure and Heart Transplant,

●      Stroke and brain surgery, and

●      Major organ transplantation including bone marrow transplantation

Policy Type  

Criti Care health insurance is available on Individual Sum Insured basis wherein each family member will have his/her own separate Sum Insured. It allows the person to choose an option from a wide range of sum assured.

Multi-Year Policy 

The Policy can be taken for 1/2/3 years.
Under normal circumstances, the policy can be renewed with all benefits granted available under the policy. Also, the policy provides a Grace period of 30 days from the date of Expiry.

Premium Payment in instalment 

The policy can be paid in installments under some terms and conditions. Also, zero interest will be charged if the person does not pay the instalment on the specified due date. A relaxation period of 15 days would be provided to the individual to pay the instalment premium due for the Policy. But failure to pay the premium within the relaxation period tantamount to policy cancellation.

Sum Assured

The amount provided to the insured person according to their plan is the sum assured. This assured sum varies according to the section chosen and the age of the individual.
Under all the five sections

●      Minimum SA for entry age 18-65 yrs is 1 lac.

●      Maximum SA for entry age up to 60 yrs is 50 lac per section.

●      Maximum SA for entry age between 61-65 is 10 lac per section.

Note:
Per member Sum Assured will be maximum 2Cr
The Policy has 5 Sections. Each of these five sections comprises two categories, namely Category A which covers minor/early stages of disease and Category B which covers major/advanced stages of disease.

Who Should Buy this Critical Illness Cover? 

A critical illness cover is beneficial for anyone looking to secure their financial stability against unforeseen health challenges. It is particularly important for:

Individuals with a Family History of an Illness

When critical conditions such as cancer or heart disease run in the family, other members are often at heightened risk. Securing coverage through a critical illness policy like Bajaj General Insurance Limited’s Criti Care can help manage this risk effectively.

Breadwinning Family Members

For individuals who are the sole earners in their families, ensuring financial security becomes essential. By opting for a critical illness health insurance policy early on, they can protect their loved ones from financial instability in the event of a serious illness.

Individuals with High-Risk Occupations

Studies show that high-pressure work environments can increase susceptibility to severe illnesses. For professionals in such roles, purchasing a critical care illness insurance policy can provide crucial support if health risks arise.

Individuals Above a Certain Age Bracket

Once individuals cross the age of 40, the likelihood of developing critical ailments increases. Investing in a health and critical illness insurance policy ensures they are well-prepared for future uncertainties, allowing them to maintain peace of mind as they age.

Women

The rising incidence of illnesses such as cancer among women highlights the importance of preventive health coverage. With a critical illness cover, women can proactively secure their health and financial stability.
At Bajaj General Insurance Limited, we provide a specialised critical illness health plan that is accessible for both individuals and families, covering a comprehensive list of critical illnesses to provide maximum support when it's needed most.

The Criti Care Insurance Plan from Bajaj General Insurance Limited provides comprehensive coverage for several categories of critical illnesses, which are grouped into five major sections: Cancer Care, Cardiovascular Care, Kidney Care, Neuro Care, and Transplants & Sensory Organ Care. Each section covers multiple conditions, with conditions categorised as early-stage (25% sum assured) and advanced (100% sum assured). For instance, the Cancer Care section includes both early-stage and advanced cancers, while the Cardiovascular Care section includes critical conditions like angioplasty, heart transplant, and major surgeries. Other sections cover kidney transplants, neuro care for conditions like stroke and brain surgery, and essential organ transplants. This critical illness health insurance provides financial protection for these serious health conditions and ensures that you receive benefits without worrying about ongoing or future treatment costs.

Selecting the right critical illness insurance in India involves considering several key factors. Here’s a checklist to help you choose the best critical illness health insurance plan for your needs:

●      Coverage : Ensure the payout covers financial needs during a critical illness.

●      Premium Rates : Compare policies using an online premium calculator to find competitive rates.

●      Waiting Period: Check the waiting period; Bajaj General Insurance Limited offers a standard 90-day period for critical illnesses.

●      Covered Illnesses : Review covered conditions, especially if there’s a family history of certain illnesses.

●      Renewal Policy: Choose a plan with lifetime renewability for continued coverage at any age.

●      Claims & Sub-limits: Understand the claims process, and sub-limits for surgeries, diagnostic tests, and other procedures to avoid unexpected costs.

Cancer Reconstructive Surgery 

If your claim under Category B of Section I (Cancer Care) is approved, Bajaj General will pay an additional 10% of the Sum Insured. A lump sum benefit amount is appropriated for Cancer Reconstructive Surgery (such as breast, head, or neck) for the Insured.

Cardiac Nursing 

If your claim under Category B of section II (Cardiovascular Care) is approved, Bajaj General will pay an additional 5% of the Sum Insured. A lump sum benefit amount is directed for Cardiac Nursing for the Insured.

Dialysis Care

If your claim under Category B of section III (Kidney Care) is approved, Bajaj General will pay an additional 10% of the Sum Insured. A lump sum benefit amount is directed for Dialysis Care for the Insured.

Physiotherapy Care 

If your claim under Category B of section IV (Neuro Care) is approved, Bajaj General will pay an additional 5% of the Sum Insured. A lump sum benefit amount is directed for Physiotherapy Care for the Insured.

Sensory Care 

If your claim under Category B of section V (Transplants Care And Sensory Organs Care) is approved, Bajaj General will pay an additional amount of 5% of the Sum Insured. A lump sum benefit amount is directed for the Insured undergoing speech therapy, hearing loss treatments such as Cochlear implants.

Wellness Discount 

Any person insured under the Bajaj General Criti Care health insurance policy is eligible for a 5% discount at each renewal. However, the person has to maintain a fit and healthy lifestyle by indulging in physical activities regularly. By physical activity, it is signified that a minimum of 15,000 steps every week or 60,000 steps every month are taken.

This wellness discount can be redeemed once a year, provided that the insured submits the test reports conducted in a well-developed laboratory.

Long Term Policy Discount 

If the policy is opted for two years, a 4% discount is applicable. If the policy is opted for three years, an 8% discount is applicable.

Note: These discounts are not applicable if the insured has chosen the instalment premium option

Online Discount 

For all the policies booked online through the website, the direct customers will receive a discount benefit of 5%.