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Diseases that Bajaj Allianz Health Insurance Plans Cover

By Juhi Walia
24 August 2022, 12:51 PM

A medical emergency can strike anyone, even to the healthiest person or a bonafide fitness freak. The ever-increasing health expenses and lifestyle diseases should remind you why you must have health insurance. A policy will get you the health care you need even if you are strapped for cash and safeguard you from unexpected financial setbacks. So, take your requirements, policy features and exclusions into account and opt for a renowned health insurance company. Most companies offer different types of health insurance, which also list specific ailments, treatments and the duration after which the coverage will be available. If your search has narrowed down to Bajaj Allianz health insurance, here are the diseases the insurer covers for you to make an informed decision. 

Various Plans and Coverages

Bajaj Allianz health insurance has various plans that provide coverage for pre, during and post-hospitalisation, OPD charges, ambulance services and ICU costs, among others. The insurer also offers disease-specific policies, including: 

  • Bajaj Allianz Health Guard Policy
  • Bajaj Allianz Criti Care Policy
  • Bajaj Allianz Corona Kavach Plan
  • Bajaj Allianz Critical Illness Policy
  • Bajaj Allianz Health Infinity Policy
  • Bajaj Allianz Extra Care Policy
  • Bajaj Allianz m-Care Policy
  • Bajaj Allianz Aarogya Sanjeevani Policy

Consumers can compare health insurance plans and select the most suitable one for coverage amounts ranging from INR 25,000 to INR 1 Crore. Cashless health insurance plans are available at more than 8,000 network hospitals. 

List of Diseases That Bajaj Allianz Health Insurance Plans Cover

From common and usually age-related conditions such as arthritis to dangerous heart ailments, terminal illnesses such as cancer or brain tumour and the relatively newer but serious COVID-19, Bajaj Allianz Health Insurance has a plan for many diseases. 

Brain Tumour

Another fatal condition that requires complex surgery and other procedures, brain tumour treatment is a costly affair. Since the abnormally-growing brain cells may lead to brain damage due to the pressure on the tissue, one cannot overlook treatment. Policies such as Bajaj Allianz Criti Care, Bajaj Allianz Health Care Supreme, Bajaj Allianz Extra Care and Bajaj Allianz Critical Illness cover this disease. 


The dreaded C word can cause emotional as well as distress. Even though fatal, it can be controlled if detected in the initial stages. The disease, which affects different organs and body parts, is becoming increasingly common and requires expensive interventions such as chemotherapy, radiation, surgery, etc. The Bajaj Allianz Critical Illness Policy, Bajaj Allianz Health Guard Policy and Bajaj Allianz Criti Care Policy provide coverage for certain kinds of cancer.


The highly transmissible COVID-19 has become a global health crisis and brought the world to a grinding halt for over two years. It’s especially problematic for people with comorbidities including asthma, blood pressure, diabetes and others. Its treatment can burn a hole in your pocket, or you can resort to Bajaj Allianz Corona Kavach Policy, Arogya Sanjeevani Plan or Bajaj Allianz Individual Health Insurance Plan, among others.

Read more - 10 Most Frequently Asked Questions About Coronavirus Health Insurance

Heart Ailments

Common in people of all ages of late, heart conditions are among the most dangerous of all diseases and range from coronary artery disease, arrhythmias, hypertension, heart failure and more. Since the surgical procedures are expensive, critical illness insurance such as Bajaj Allianz Criti Care Policy, Bajaj Allianz Health Guard Policy, Bajaj Allianz Critical Illness Policy, or Bajaj Allianz Health Infinity Policy can come in handy.

Kidney Diseases

Renal diseases are a serious matter and can hamper normal bodily function. Bajaj Allianz Critical Illness Policy, Bajaj Allianz Silver Health Policy, Bajaj Allianz Health Care Supreme, and Bajaj Allianz Criti Care Policy cover treatment expenses for various painful issues such as chronic kidney disease, kidney cysts and stones.  


Mostly age-related and always painful, arthritis often causes immobility due to swollen joints. Its treatment involves joint replacement or revision. Bajaj Allianz Silver Health Policy, Bajaj Allianz Health Guard Policy, and Bajaj Allianz Aarogya Sanjeevani Policy cover the condition after a waiting period of 48 months.


Another age-related condition, cataract, hinders vision as the eye’s lens gets cloudy and needs replacement. One can health claim insurance under Bajaj Allianz Silver Health Policy, Bajaj Allianz Aarogya Sanjeevani Policy and Bajaj Allianz Health Guard Policy.


To get timely treatment and maximum health insurance benefits, you must consider the exact amount of coverage and exclusions. The waiting period of 2-4 years in health insurance is another critical aspect, as a policy may not start giving you cover immediately. Once you are clear about these, Bajaj Allianz is one of the best options in health insurance. 

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1. What are the different types of health insurance policies that Bajaj Allianz has?

Bajaj Allianz health insurance has:

  • Individual Health Insurance Policy: Covers the insured and family members in the same plan, but the sum insured is separate for each member.
  • Family Floater Health Insurance: Covers multiple family members under the same plan and where the sum insured is shared amongst all the members.
  • Senior Citizens Health Insurance: For medical conditions during old age. 
  • Critical Illness Health Insurance: Offers coverage for expensive treatments against life-threatening diseases.
  • Critical Illness Insurance for Women: That’s specifically designed to cover 8 life-threatening conditions that adversely affect females.
  • Top-Up Health Insurance: Provides an extra cover when the base plan is exhausted.
  • Personal Accident Insurance Plan: That gives comprehensive cover against mishaps.
  • Group Health Insurance: For an organisation’s employees and their families.
  • Insurance for Vector-Borne Diseases: Infections that arthropods such as mosquitoes and bugs cause, including malaria, dengue, chikungunya, zika virus, etc   

2. Apart from heart and kidney diseases, brain tumours, cancer, etc., which illnesses does a Bajaj Allianz policy protect against?

Bajaj Allianz Criti Care protects the insured against 43 life-threatening diseases, including multiple sclerosis, major organ transplant, permanent paralysis, stroke leading to permanent symptoms and more.  

3. Can one buy Bajaj Allianz’s health insurance policy online?

Yes, online health insurance is a quick, efficient and hassle-free option. It also saves you from carrying hard copies and has various payment options. Paytm Insurance is an ideal platform to buy any health insurance policy online.

4. What exclusions should one consider while buying a critical illness policy?

  • Any critical illness contracted, diagnosed, or advised treatment for before or in the first 90 days of policy issuance 
  • Death within a month of diagnosis
  • HIV/AIDS infection
  • Pregnancy and childbirth-related treatment 
  • Treatment due to man-made conflicts such as war, invasion, terrorism, etc
  • Injury due to armed forces operations
  • Consequential losses such as of profit, opportunity, gain or business interruption

5. What are the other benefits apart from the cover?

The policies have lifetime renewability, hassle-free claim settlement, income tax benefit under Section 80D of the Income Tax Act, and Portability from other critical illness insurance plans. Do note the terms and conditions for each benefit. 

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