Loading...
Loading...
Bajaj General Women Specific Critical Illness is designed to provide a defined financial benefit for specified serious illnesses affecting women. The current official product page lists eight covered conditions: breast cancer, fallopian tube cancer, uterine/cervical cancer, ovarian cancer, vaginal cancer, permanent paralysis of limbs, multi-trauma and burns. The product also describes a congenital disability benefit and additional benefits relating to children education and loss of employment. Benefits are subject to the policy schedule, definitions, exclusions and claim conditions.
Eight specified critical conditions, with children education, loss-of-job and congenital disability benefits.
This product is distinct from a general critical illness policy because it focuses on a specified list of women-related cancers and other listed conditions. The current official webpage describes a ₹25,000 children education benefit and a ₹25,000 loss-of-job benefit, subject to their conditions, as well as a congenital disability benefit equal to 50% of sum insured for eligible births, limited to the first two children. The linked brochure carrying UIN BAJHLIP21142V022021 lists sum insured options of ₹50,000, ₹1 lakh, ₹1.5 lakh and ₹2 lakh, and proposer entry age of 21–65 years. Since the brochure is an older policy version, confirm current availability, premium and wording before relying on these figures.
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
The current product page lists breast, fallopian tube, uterine/cervical, ovarian and vaginal cancers.
Policy definitions, stages and exclusions determine claim eligibility.
Permanent paralysis of limbs is one of the eight conditions listed by the insurer.
The policy definition and medical evidence requirements apply.
Multi-trauma is listed as a covered condition on the official product page.
Refer to the policy wording for the qualifying event and severity definition.
Burns are listed among the covered critical conditions.
Only burns meeting the applicable policy definition qualify.
The official page describes ₹25,000 toward future education for up to two children after an accepted critical illness claim.
The total benefit is restricted to ₹25,000 for one or more children together.
₹25,000 education benefit after an eligible critical illness claim.
The total amount for one or more children is capped at ₹25,000.
₹25,000 may be payable if employment is lost within three months after diagnosis of a covered critical illness.
The main critical illness claim must be accepted.
The current product page states a 90-day initial waiting period and a 30-day survival period for the critical illness benefit. Confirm all clauses and exclusions in the policy wording.
Initial waiting period
The current official page states that critical illness claims are not accepted during the first 90 days from policy commencement, subject to the applicable wording.
Survival period
The insured must survive for at least 30 days from diagnosis for the critical illness benefit, according to the current official page.
Conditions or treatments that the policy clearly says it will not cover.
The current official page lists eight conditions: breast cancer, fallopian tube cancer, uterine/cervical cancer, ovarian cancer, vaginal cancer, permanent paralysis of limbs, multi-trauma and burns. Definitions and exclusions apply; not every stage or type of cancer necessarily qualifies.
Insurer
Bajaj General plans and claim process
The current official product page lists eight specified critical conditions. Policy definitions and exclusions determine eligibility.
Breast cancer, fallopian tube cancer, uterine/cervical cancer, ovarian cancer and vaginal cancer are listed, subject to policy definitions.
The official page describes ₹25,000 for the future education of up to two children after an accepted critical illness claim. The total benefit is capped at ₹25,000.
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)
The product describes 50% of sum insured for specified congenital conditions in an eligible newborn.
Limited to the first two children and subject to policy terms.
The official page describes ₹25,000 if employment is lost within three months of diagnosis of a covered critical illness, provided the critical illness claim is accepted.
The insurer describes a benefit equal to 50% of sum insured for specified congenital conditions in a newborn, limited to the first two children and subject to policy conditions.
The current official page states a 90-day initial waiting period. Refer to the current policy wording for applicable terms.
The current official page states a 30-day survival period after diagnosis for the critical illness benefit.
The linked brochure lists ₹50,000, ₹1 lakh, ₹1.5 lakh and ₹2 lakh options, but carries an older UIN. Confirm current options and premium directly with Bajaj General.