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Bajaj General Criti Care is a critical illness benefit policy designed to provide financial support following diagnosis of a covered condition. The current official product page advertises 43 illnesses across five care sections: Cancer Care, Cardiovascular Care, Kidney Care, Neuro Care, and Transplants Care and Sensory Organs Care. The customer can select one or more sections as permitted by the policy. Benefits depend on the severity category assigned to the covered condition, with Category A conditions listed at 25% of sum assured and Category B conditions at 100%. The payout is intended to provide financial flexibility and is not calculated solely by reference to treatment bills.
43 critical illnesses across five selectable care sections, with severity-based benefits.
Criti Care differs from a standard hospitalisation reimbursement policy because it provides a defined benefit when the claim meets the policy definition. The current product page advertises sum insured options from ₹5 lakh to ₹5 crore, but the applicable limits can depend on the selected sections, age and underwriting. The insurer also lists additional benefits for cancer reconstructive surgery, cardiac nursing, dialysis, physiotherapy and sensory care, subject to their respective conditions and limits. Confirm the current policy schedule for waiting period, survival period, covered illness definitions and benefit caps before purchase. Do not rely on an older brochure if its terms differ from the issued policy.
Bajaj General
Key Insights
Founded
2001
Bajaj General was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.7% CSR, calculated as a 3-year average
Bajaj General settles 95.7% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-209-5858
Headquarters: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006, Maharashtra, India
Provides benefits for covered cancer conditions classified under Category A or Category B.
Exact conditions and definitions are governed by the applicable policy wording.
Provides benefits for specified covered cardiovascular conditions.
The applicable category and payable benefit depend on policy definitions.
Provides benefits for specified covered kidney conditions.
Confirm covered procedures, diagnosis requirements and category in the policy wording.
Provides benefits for specified covered neurological conditions.
Medical definitions and claim requirements apply.
Provides benefits for specified conditions within the transplants and sensory organs section.
Only the conditions included in the selected cover are eligible.
Additional sum assured may be available for reconstructive surgery after an accepted Category B cancer claim.
Subject to policy conditions and benefit limits.
Additional sum assured may be available for cardiac nursing after an accepted Category B cardiovascular claim.
Subject to policy conditions and benefit limits.
The current product page refers to a 120/180-day initial waiting-period rule. The applicable duration and survival-period option must be confirmed in the selected policy wording and schedule.
Initial waiting period
The current official page states that critical illnesses diagnosed during the first 120/180 days are excluded, subject to policy terms. Confirm the applicable option in the policy schedule.
Survival period
The applicable survival period must be confirmed from the current policy wording and selected option. Do not assume the period from another product version.
Conditions or treatments that the policy clearly says it will not cover.
The current official product page advertises 43 illnesses across five sections. Individual illnesses, medical definitions and category classifications must be checked in the policy wording applicable to the purchased policy.
Insurer
Bajaj General plans and claim process
The current official product page advertises 43 critical illnesses. Refer to the applicable policy wording for the complete list and definitions.
The five sections are Cancer Care, Cardiovascular Care, Kidney Care, Neuro Care, and Transplants Care and Sensory Organs Care.
The current product page lists a benefit of 25% of sum assured for Category A conditions, subject to policy terms.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Bajaj General website before purchasing.
Official Website
bajajallianz.com
Visit the official Bajaj General website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Additional sum assured may be available for dialysis after an accepted Category B kidney care claim.
Subject to policy conditions and benefit limits.
The current product page lists a benefit of 100% of sum assured for Category B conditions, subject to policy terms.
The current product page displays options from ₹5 lakh to ₹5 crore. Availability depends on the selected cover, eligibility and underwriting.
No single premium applies to every applicant. Obtain a current quotation based on age, sum insured and selected care sections.
The current product page lists cancer reconstructive surgery, cardiac nursing, dialysis care, physiotherapy care and sensory care benefits, subject to conditions and limits.
The current page mentions a 120/180-day initial waiting-period rule. Confirm the exact duration and survival-period option in the applicable policy wording.