General insurer Bajaj Allianz is renowned for its range of health insurance products in its lineup. The company offers different types of products tailor-made to meet the specific requirements of individuals, families, and senior citizens. Its Women Specific Critical Illness Plan is designed to offer protection against various serious illnesses that are commonly faced by women. While critical illness is the main focus of this cover, it also provides coverage against the risk of job loss and expenses incurred for children’s education.
The following eligibility criteria applies to people who wish to take the Bajaj Allianz Women Specific Critical Illness Plan:
This critical illness policy comes with the following list of features:
The list of critical illnesses covered by Bajaj Allianz Women Specific Critical Illness Plan can be given as follows:
This critical illness cover provides the following benefits for its customers:
|Benefits||Extent of Coverage|
|First diagnosis of a critical illness||Lump sum payment of 100% of the sum insured amount|
|Congenital disability benefit||50% of the sum insured amount if the insured gives birth to a baby with the following congenital diseases
|Children education bonus||Rs.25,000 for the education of dependent children (if any) along with critical illness claim|
|Loss of job||Rs.25,000 for any loss of job following the diagnosis of a critical illness|
Some of the exclusions applicable to Bajaj Allianz Women Specific Critical Illness Plan can be given as follows:
Following the first diagnosis of a named critical illness, the company must be notified within a maximum of 48 hours. During the course of the critical illness, the insured must follow the advice and treatment plan recommended by the physician. Once the survival period is satisfied, the claim must be filed along with the supporting documents. It is necessary to file the claim within 30 days of diagnosis of the illness. The following list of documents are required while filing for the claim:
Once the above mentioned documents are submitted, the company will proceed with the claim process. The documents will be verified, and the company will communicate the acceptance or rejection of the claim to the insured. If the policy is rejected, the reason for rejection will be provided by the company. Upon acceptance, the settlement amount will be provided within a reasonable time.
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