Life Goals Loading…



    • This New Year, Don't Be A Mr. Kalse Re | #StartNow 

    • Convert Your Saving into Investments to Fulfil Future Life Goals.

    • Get Life Cover worth Rs.1 Crore at Rs.18 per day2 – Bajaj Allianz Life Smart Protect Goal

      PLAN NOW
    • Fulfill your Life Goals with Bajaj Allianz Life Goal Assure

      PLAN NOW
    • Life Insurance Term Plan with Return Of Premium

    • Get your Life Goals Done with Bajaj Allianz Life Smart Assist – BINA MILEY MIL-KAR

    • Is your weight right according to your height?

      Calculate BMI Now
    • Find out your Immunity Score right away!

      Calculate Now
    • How much Insurance do I need

    • Paying your Renewal Premium is Quick and Easy!

      Pay Now

    Looking for a Term Plan?

    Get Exclusive Discount on online purchase^

    Have us call you

    Please enter a Name
    Please enter a Mobile No.

    ^3% Discount is available for regular premium and limited premium payment frequency under all variants of Bajaj Allianz Life Smart Protect Goal A Non Linked, Non-Participating Pure Life Term Insurance Plan.

    Please select a option
    Please select a option

    Thanks for sharing your details, A Sales representative from
    Bajaj Allianz Life will contact you shortly.

    Dear Customer, we request you to connect with us in our next business working hours, (Monday to Saturday 24*6) Thank you, Have a great day ahead

    Have Us Call You

    Have Us Call You!

    Please enter a Name
    Please enter a Mobile No.
    Please check the box to proceed

    Handle NCDs with the help of a Critical Illness Cover

    Handle NCDs using Critical Illness Covers

    Handle NCDs with the help of a Critical Illness Cover


    Dec 24, 2018

    By : Bajaj Allianz Life

    Cast a cursory glance around and the chances are some of your friends or acquaintances are battling serious illnesses. There has been a dramatic surge in the incidences of Non-Communicable Diseases (NCDs), like heart ailments and Cancer, over the last few years. Not many of us are aware that NCDs cause more than 50% of the deaths in India.

    The unfortunate fact about NCDs is that it can strike anyone, irrespective of our family history and lifestyle. The long-term and expensive treatment of a critical illness can potentially disrupt your journey towards your life goals. The financial stress of dealing with a prolonged illness only adds to the emotional and medical distress of illness.

    Prepare yourself financially

    Detection of critical illness in the family is not just an emotional trauma; it also brings along massive financial stress. For instance, a procedure like chemotherapy can cost you anything between ` 15,000 to ` 1 lakh per session, depending on the hospital, the doctor and similar factors. The average cost of treatment of cancer is ` 20 lakh (depending on location, hospital and other factors). Further, there are many other ancillary costs including traveling, post-surgery care, medicines and so on. A critical illness may even force you to change your lifestyle All these expenses can wreck your savings. Your financial preparedness is then crucial in dealing with the emotional trauma as well.

    Here are some ways to avoid any financial distress due to the detection of cancer or any other critical illness in the family:

    Buy a mediclaim policy:

    Essentially, a mediclaim policy takes care of the hospitalisation expenses. It also takes care of some of pre- and post-hospitalisation expenditure. The first step towards protecting yourself from any financial distress due to medical costs is to buy health insurance plan or a mediclaim policy. It even allows cashless treatment in specific hospitals empanelled by the insurer.

    A family floater policy which covers you, your spouse and the kids can take care of some of the financial burdens in case of any medical exigencies like detection of cancer.

    Critical Illness Cover:

    Critical illnesses are generally long-term in nature and hospitalisation is just one small part of the total expenditure. Typically, you may need to spend on expensive medicines, explore alternate therapies or post-surgery care and so on. There might even be a loss of family income in case the earning member of the family is unable to work because of illness. Your mediclaim policy is insufficient to help you meet these expenses.

    A critical illness cover can come to the rescue in such a situation. A critical illness cover provides you with a lump sum amount on detection of critical illness in the life insured. This amount can be used in any which way you require.

    Life insurance companies offer critical illness covers either as a rider with a life insurance policy or separately. The sum assured could be as high as the base life insurance policy. Even a separate critical illness policy can offer as high as ` 50 lakh in cover. There are policies which allow you to include your family members in the policy just like a family floater mediclaim policy.

    Creating a medical corpus:

    You can also simultaneously build a health corpus by regularly saving for it. Critical illnesses can be financially crushing, and none of us would want to spend our savings on meeting medical expenses. It is wise to go for a combination of health insurance plan and critical illness cover, so you have complete protection from economic distress due to a critical illness. While mediclaim will take care of the hospitalization expenses, the critical illness cover will address the other ancillary costs, thus ensuring that medical expenses do not stop you from achieving your life aspirations.

    Bajaj Allianz Life Videos

    Video Icon

    Life Insurance Premiums Renewal with Auto Pay | #AutopayYourLifeGoals | Bajaj Allianz Life

    Video Icon

    This New Year, Don't Be A Mr. Kalse Re | #StartNow | Bajaj Allianz Life

    Video Icon

    Khushiyon Ka Return Gift | Happy Diwali | Bajaj Allianz Life

    Video Icon

    #SavingsToLifeGoals - Bajaj Allianz Life

    Video Icon

    Smart Protect Goal | Pay For 5 Years, Get Term Insurance Coverage For Life | Bajaj Allianz Life

    Video Icon

    Happy Independence Day 2020 | #IndiaSolveKarteJaa | Bajaj Allianz Life

    Video Icon

    Flexi Income Goal – Variants, Features, Benefits Explained

    Video Icon

    Why Choose Bajaj Allianz Life To Help Get Your #LifeGoalsDone?

    Video Icon

    #DostiWithDad - Happy Father's Day | Bajaj Allianz Life | Life Goals Done

    Video Icon

    Covid-19 Survivor Story | Bajaj Allianz Life Smart Protect Goal | Bajaj Allianz Life

    Video Icon

    Lage Raho India - Keep getting your #LifeGoalsDone

    Video Icon

    Don’t Let COVID-19 Lockdown Get in The Way of Your #LifeGoals

    Video Icon

    Coronavirus (COVID-19) Advisory Video #DooriHaiZaroori

    Video Icon

    Coronavirus COVID-19 impact on markets - CIO Commentary | #KeepCalmStayInvested

    Video Icon

    Bajaj Allianz Life Leadership Team | #PlankForIndia

    Our MD & CEO, Tarun Chugh launches #PlankForIndia campaign and planks with Sanjiv Bajaj MD & CEO, Bajaj Finserv and Chairman Bajaj Allianz Life & the rest of the group leadership team.

    Video Icon

    #PlankForIndia | Bajaj Allianz Life

    Bajaj Allianz Life will contribute to the training and development of India's future sports stars. Come together to Plank for Good Health, PlankforIndia.

    Video Icon


    #PehlaDinPehlaResolution | Happy New Year | Smart Protect Goal | Bajaj Allianz Life

    Video Icon

    Bajaj Allianz Life Goal Assure

    Bajaj Allianz Life Goal Assure - A ULIP Investment Plan To Achieve Life Goals

    Video Icon

    Valentine's Day

    Valentine's Day

    Video Icon

    Bajaj Allianz Health Care Goal

    A Comprehensive Health Insurance Plan with Critical Illness Cover | Bajaj Allianz Life Health Care Goal

    Video Icon

    #36SecPlankChallenge video

    Promote Healthy Living for a Better Tomorrow with our #36SecPlankChallenge

    Contact Us

    Bajaj Allianz Life Insurance Company Ltd.

    Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006, Maharashtra

    Tel No: 020-66026773

    Fax No: 020-66026789

    Branch Visit Timings:

    Weekdays - 9:00 AM to 3:30 PM

    Customer Care Helpline:


    Monday to Saturday: 9:00 AM to 7:00 PM (IST)

    For NRI: +91 20 67871700 (Call charges apply)

    Monday 07.00 AM to Sunday 07.00 AM

    Sales Enquiry Helpline:


    Monday to Saturday: 9:00 AM to 7:00 PM (IST)

    For NRI: +91 20 67688888 (Call charges apply)

    Monday to Saturday: 9:00 AM to 7:00 PM (IST)

    Find Us Online