Women's Health Insurance: Critical Illness Plans

Women's Health Insurance:

Critical Illness PlansA special health insurance plan for those who make our life special

WHY CHOOSE BAJAJ ALLIANZ WOMEN-SPECIFIC CRITICAL ILLNESS INSURANCE?

Women play an important role in all our lives, be it as a grandmother, mother, daughter, sister or wife. Our special health insurance plan pays homage to these women who mean so much to us. It is designed exclusively for women to help them tackle critical illnesses that they might face.
Thanks to evolved medical science, they are now empowered to face a serious critical illness or injury head-on. However, these medical treatments can lead to a major financial burden for you and your family, through the mounting costs of hospitalisation, compounded by the loss of employment, in some cases.

Therefore, we have designed a special women's health insurance cover, keeping in mind the critical illnesses and other additional risks that are faced especially by women.

Our Critical Illness Insurance plan for women provides protection against the risk of 8 life-threatening conditions that can affect women. They can avail the benefits of this plan in the form of a guaranteed cash sum in case they are diagnosed with a life-threatening illness. Let's look at the 8 life-threatening conditions that are covered under this policy:

Breast cancer

Fallopian tube cancer

Uterine/cervical cancer

Ovarian cancer

Vaginal cancer

Permanent paralysis of limbs

Multi-trauma

Burns

WE OFFER A WHOLE LOT WHEN IT COMES TO WOMEN SPECIFIC CRITICAL ILLNESS INSURANCE

KEY FEATURES

You can now sleep easy knowing that our critical illness insurance cover for women has the following features that protect you against major critical illnesses:

Critical illness cover:
This specially designed policy for women provides cover from 8 critical conditions.

Congenital disability benefit:
50% of the sum insured would be payable if you give birth to a baby having a congenital disease/disorder. This benefit will be available for the first two children only.

List of congenital diseases covered under this benefit:

Downs syndrome
Congenital cyanotic heart disease:
Tetralogy of Fallot
Transposition of great vessels
Total anomalous pulmonary venous drainage
Truncus arteriosus
Tricuspid atresia
Hypoplastic left heart syndrome
Tracheoesophageal fistula
Cleft palate with or without cleft lip
Spina bifida

Loss of job cover:
If you lose your job within a period of 3 months of the date of diagnosis of any of the critical illness as covered in your policy, we will pay an amount of Rs 25,000 towards loss of employment, if the claim for critical illness benefit is paid under your policy.

Children education benefit:
If the claim for critical illness benefit is paid under your policy, we will also pay Rs 25,000 towards the future education of up to 2 children. The amount payable under this section would be restricted to Rs 25,000 for one or more child, put together.

Flexible and convenient:
We provide a lump sum claim payout in case you are diagnosed with any of the listed life-threatening conditions.

THAT'S NOT ALL HERE ARE ADDITIONAL BENEFITS WITH YOUR WOMEN-SPECIFIC CRITICAL ILLNESS INSURANCE

We Provide An Extensive Cover Against Critical Illnesses For Women Along With Various Other Benefits:

Low Premium:
You can avail low and age-agnostic premium amounts.


Tax saving:
Avail income tax benefit under Section 80D of the Income Tax Act.*

*On opting for Women-Specific Critical Illness Insurance policy, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximize tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.

Hassle-free claim settlement:
Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalization or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.

Renewability:
You can renew your policy for your entire lifetime.

Inclusions

Critical Illness:
Covers life threating diseases that may affect woman.

Children Education Benefit:
Provide a children education bonus to up to 2 children in case you are diagnosed with any of the listed critical illness.

Loss Of Job Cover:
You receive a benefit payable in case of loss of employment due to diagnosis of critical illness.

Congenital Disability Benefit:
50% of the sum insured would be payable if you give birth to a baby having a congenital disorder or illness.

EXCLUSIONS

01.For breast cancer
Tumours that are histologically described as pre and ductal/lobular carcinoma in situ (location) of the breast. Read more

02.For fallopian tube cancer
Carcinoma in situ
Dysplasia
Inflammatory masses
Hydatid form mole
Trophoblastic tumours

03.For cervical cancer
Tumours showing the malignant changes of carcinoma in situ - an early form of cancer...

04.For ovarian cancer
Non-cancerous (benign) ovarian masses including abscesses or infections, fibroids, cysts, polycystic ovaries, endometriosis. Read more

05.Vaginal cancer
Vulval cancers/tumours.
Vaginal/vulval granulomatous diseases.

06.Congenital diseases
This benefit will not be available if the birth of the child occurs after you reach the age of 40 years.

07.Burns
Radiation-induced burns.

08.Multi-trauma
A single fracture.
Injuries involving fractures of small bones of hand, feet, ribs; even if multiple.
Any type of fracture such as open or closed, displaced or not displaced, simple or compound types.

09.Other exclusions
Any critical illness for which care, treatment, or advice was recommended by or received.