If you are the sole earner in your family then you should consider buying a health insurance plan that covers life-threatening diseases or critical illnesses can impose a financial burden on your dependent family members if you get diagnosed with a critical illness in future. More and more cases of chronic ailments such as Heart Attack, Cancer, Tumor, Kidney Failure, etc. are being reported every day. A large number of people die due to cancer every year and the number is only going to increase in the future. The treatment is too costly and for the middle-income group, paying off for such health treatments is quite difficult.
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For example- The cost of cancer treatment in India can range easily between Rs. 3 lakhs and Rs. 20 lakhs. And the cost of chemotherapy can cost 1 lakh for 6 to 7 chemotherapy sessions and radiation treatment. Likewise, coronary angioplasty is also a costly treatment. Just like many other people, if you do not want to deal with the exorbitant medical treatment in India, then it is suggested that you buy Bajaj Critical Illness Insurance Plan and enjoy your peace of mind.
Critical illness is defined as a life-threatening disease or condition under which the insurance company is liable to pay a lump sum amount to the insured person for medical treatment cost, which is much higher than other illnesses. Have a look at the policy benefits details below:
With this plan you can avail the following benefits:
The plan offers for 10 major critical illnesses and the payment is paid in a lump sum:
This plan shall not compensate for hospitalization required under the following circumstances:
You can cancel the policy by giving a 15 days cancellation notice to the Bajaj Allianz health insurance company. If you have not filed any claim during that period, then the insurer shall refund the premium amount on a pro-rata basis for the unexpired policy period.
If no claim has been filed by you, then the insurer shall refund the premium on short term rates as listed in the table below:
|Period On Risk||Premium Refund|
|Up to 30 days||75 percent of the yearly rate|
|Up to 90 days||50 percent of the yearly rate|
|Up to 6 months||25 percent of the yearly rate|
|After 6 months||Not applicable|
The claim procedure for this plan is same as other Bajaj Allianz health insurance plans. You can easily get in touch with Bajaj Allianz executives and protect yourself and your loved ones against life-threatening or critical illnesses.