Health insurance policy for your family

Bajaj Allianz Life Health Care Goal


Covers 36 Critical Illness Including Heart & Cancer

  • Covers 36 Critical Illness including Heart & Cancer
  • Four variants to choose from as per your need
  • Option to cover spouse and dependent children
  • Inbuilt waiver of premium&
  • Online Rebate up to 20% of Final Premium1
  • Covers 2 Juvenile Critical Illness (Bacterial Meningitis and Encephalitis)
 

Health Care Goal – A Complete Health Insurance Policy


Good health is essential for a good life, and good health is also required towards securing you and your family’s future, as well as getting their life goals done.

Critical illness cases are on the rise, and more often than not, the expenses towards managing them also impact the financial well-being of an individual and a family. Hence, a key requirement in one’s financial portfolio is a comprehensive critical illness health insurance plan for family, which provides complete financial support in case the need arises.

Some of the health insurance benefits include the required cover to manage critical illnesses, as well ensure that life goals of other members are always on track. Thereby, supporting the entire family to overcome a difficult phase, with financial peace.

Bajaj Allianz Life Health Care Goal is designed for just that. It is a regular/limited premium payment individual critical illness health insurance policy which covers 36 critical illness including heart and cancer, with an option of family cover & return of premium. This critical illness health insurance plan also offers an inbuilt waiver of premium rider. A lump sum amount is paid to the life assured on diagnosis of any of the 36 critical illnesses mentioned

You can choose from 4 variants depending on your need for comprehensive health cover and also avail tax benefits under Section 80(D) of the Income Tax Act, 1961.

So work towards achieving your life goals, without worries and ensure that your family’s health and lifestyle is secure now and in the future.

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Minimum Entry Age

Adult 18Years

Child 05Years

Maximum Entry Age

Adult 65Years

Child 17Years

Maximum Maturity Age

Adult 75Years

Child 37Years

Policy Term

Critical Long Term Health Care & Long Term Family Health Care Critical Long Term Health Care Plus & Long Term Family Health Care Plus
10 years 10, 15, 20 years

Premium Payment Term (PPT)

The premium payment term will be as follows

Variant Critical Long Term Health Care & Long Term Family Health Care Critical Long Term Health Care Plus & Long Term Family Health Care Plus
Policy Term (years) 10 10 15 20
Premium Payment Term (years) 5,7 5,7 15 20

Minimum Premium

Critical Long Term Health Care Critical Long Term Health Care Plus Long Term Family Health Care Long Term Family Health Care Plus
₹ 3,000 per annum ₹ 3,458 per annum ₹ 3,000 per annum ₹ 3,669 per annum

Maximum Premium

As per the maximum age, minimum Premium Payment Term, maximum sum assured chosen under the Policy

Premium Payment Frequency ##

Yearly, Half yearly, Quarterly and Monthly

Minimum Sum Assured

Proposer/Policy Holder Child Spouse
₹ 5,00,000 ₹ 1,25,000 ₹ 2,50,000

Maximum Sum Assured

₹ 50,00,000

Each Life Assured under Long Term Family Health Care & Long Term Family Health Care Plus, will have the flexibility to choose individual sum assured.
The sum assured on the spouse and children can be equal to, but not higher than the sum assured of the Policyholder.
##Quarterly and monthly premium frequencies are only allowed under salary deduction schemes and auto-debit process as allowed by RBI

Bajaj Allianz Life Health Care Goal, is a regular/limited premium payment individual Health Insurance Plan covering 36 critical illness including Heart & Cancer. The critical illness health insurance plan has an option of Family Cover & Return of Premium and offers an inbuilt Waiver of Premium rider.
It provides 4 variants for you to choose from depending on your need for comprehensive health insurance coverage & also offers tax benefits as per the provisions under Income Tax Act, 1961.

Bajaj Allianz Life Health Care Goal covers 36 critical illnesses including Heart & Cancer. In case the life assured is diagnosed with any of the covered critical illnesses, the Sum Assured applicable under the critical illness health insurance plan will be paid. However, if the diagnosed Critical Illness requires Angioplasty, lower of Sum Assured or Rs. 5, 00,000 will be paid.

Bajaj Allianz Life Health Care Goal, a Critical Illness health insurance plan provides multiple premium payment frequency option - yearly, half-yearly, quarterly and monthly. The policy holders can choose the health insurance premium payment frequency and they also have an option to change it on any policy anniversary, during the policy term, subject to availability.

There are four variants in this critical illness health insurance:-

  • Critical Long Term Health Care – Individual Cover
  • Critical Long Term Health Care Plus - Individual Cover with Return of Premium at Maturity
  • Long Term Family Health Care – Family Cover
  • Long Term Family Health Care Plus – Family Cover with Return of Premium at Maturity

The benefits under this critical illness health insurance plan are:-

  • 36 Critical Illness cover including Heart & Cancer
  • Option to cover spouse and dependent children
  • Flexibility to choose individual cover for yourself, your spouse and your children
  • Return of premium at maturity
  • Inbuilt waiver of premium
  • Return of premium at Death
Sr.No Term Definition
1 Accident "Accident" means a sudden unforeseen and involuntary event caused by external and visible means.
2 Accidental Total Permanent Disability "Accidental Total Permanent Disability" means the occurrence of a disability of the life of the Life Assured solely and directly due to an Accident as per the definitions and subject to the exclusions given in Annexure K attached herewith. Please refer to Section 4 below for details.
3 ATPD "ATPD" means Accidental Total Permanent Disability
4 Critical Illness "Critical Illness" means any Illness or condition specified in Annexure K and shall include either the first diagnosis of any of the listed Illnesses or first performance of any of the covered surgeries and subject to exclusions as specified in Annexure K.
5 CI Benefit "CI Benefit" means the benefit payable on the first diagnosis of the Life Assured with any specified Critical Illness. Please refer to Section 4 below for details.
6 Sum Assured "Sum Assured" is the amount as specified in the Schedule for the Life Assured under the Policy.
7 Survival Benefit "Survival Benefit" means any benefit that is payable under the Policy during the Policy Term based on the survival of the Life Assured to a specified date. There is no Survival Benefit under the Policy.
8 Survival Period "Survival Period" means a period of thirty (30) days from the date of diagnosis of the Critical Illness as listed under Annexure K.
9 WOP Benefit "WOP Benefit" means the Waiver of Premium Benefit, which if applicable in the Variant chosen in the Policy, is a waiver of the future Regular Premium due, on the first occurrence of any death, CI and/or ATPD (as applicable) of the Life Assured who is also the Policyholder. Please refer to Section 4 below for more details.
Note: Please read the glossary in conjunction with the respective Sales Brochure

Risk Factors and Warning Statements : Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz Life Health Care Goal are the names of the company and the product respectively and do not in any way indicate the quality of the product and its future prospects or returns. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajallianzlife.com) carefully before concluding a sale. Bajaj Allianz Life Health Care Goal - Covers 36 Critical Illness Including Heart & Cancer. Regd. Office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006, Reg. No.: 116. | CIN : U66010PN2001PLC015959 | Mail us : customercare@bajajallianz.co.in');" > customercare@bajajallianz.co.in | Call on : Toll free no. 1800 209 7272 | Fax No: 02066026789 | Bajaj Allianz Life Health Care Goal (UIN: 116N144V01) | The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided on the basis of license given by Bajaj Finserv Ltd. to use its "Bajaj" Logo and Allianz SE to use its "Allianz" logo. By submitting your contact details or responding to Bajaj Allianz Life Insurance Co. Ltd., you authorize Bajaj Allianz Life Insurance Co. Ltd. and/or its authorized Service Providers to verify the above information and/or contact you to assist you with the purchase and/or servicing. All charges/ taxes, as applicable, will be borne by the Policyholder.

& Depending upon the variant opted for by the Policyholder

1 Online rebate is 15% for (Critical Long Term Health Care & Long Term Family Health Care) and 20% for (Critical Long Term Health Care Plus & Long Term Family Health Care Plus) of final premium arrived at after HSAR.

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