Bajaj General Critical Illness Insurance

Bajaj General Critical Illness Insurance is a benefit-based policy designed to provide financial support after diagnosis of an illness covered under the policy. The current official product page advertises coverage for 43 critical illnesses and sum insured options from ₹5 lakh to ₹5 crore. The insurer describes a lump-sum benefit whose payout depends on the covered illness category and applicable policy conditions. The payout may help with treatment, medication, rehabilitation and other financial obligations. Actual eligibility, benefits and limits are governed by the issued policy schedule and wording.

The main value of a critical illness policy is financial flexibility after an eligible diagnosis, rather than reimbursement of each medical bill. Bajaj General's current product page describes five cover types and category-based benefits, including 25% of sum assured for Category A and 100% for Category B. It also lists additional benefits relating to cancer reconstructive surgery, cardiac nursing, dialysis, physiotherapy and sensory care, subject to the policy conditions. The current page mentions a 120/180-day waiting-period rule but does not clearly map each duration to every cover option in the accessible summary. Confirm the selected cover, waiting period, illness definitions, benefit caps and premium in the official quotation and policy wording before purchase.