Respect Senior Care Rider: 9152007550 (Missed call)
Sales: 1800-209-0144| Service: 1800-209-5858
Service Chat: +91 75072 45858
Thank you for visiting our website.
For any assistance please call on 1800-209-0144
We're sure that this thought must have crossed your mind many times. But, do you have the appropriate answer yet? Worry not. We're here to care for you and help you root out the worries of your life.
It is always better to have clarity when it involves investing your hard-earned money. And we understand that how important it is for you to be aware of all the coverages, features, exclusions and claim process of a certain health insurance policy, so that you can make an informed decision of investing in the right insurance plan.
Here's a table of differences between regular health insurance and critical illness cover that can help you get the clear picture.
| Point of Difference | Regular Health Insurance | Critical Illness Cover |
| Coverages | A regular health insurance policy covers you for:`
| A critical illness cover provides coverage for a specific set of major illnesses. With our critical illness policy you get coverage for 10 illnesses:
|
| Payout | A normal health insurance policy will pay for the expenses incurred for a medical treatment and your SI will change accordingly. | A critical illness policy will pay you a lumpsum amount once any of the listed critical illness is diagnosed and then the policy will cease to exist. |
| Number of Claims | You can make multiple claims with your health insurance policyand also top it up with add-on covers like our Extra Care Plus policy. | You can make only a single claim during the policy duration, after which the policy will cease to exist. |
| Policy Term | A regular health insurance policy has the policy term of 1, 2, 3 years. So, if you get a health insurance policy for 3 years, then it will need renewal once in 3 years. | The critical illness policy is an annual policy and it needs renewal every year. This policy comes with the benefit of lifetime renewal option. |
| Cashless Claims | You can avail the benefit of cashless claims at network hospitals with your regular health insurance policy. | The critical illness policy is an annual policy and it needs renewal every year. This policy comes with the benefit of lifetime renewal option. |
| Premium Amount | The premium costs of regular health insurance plans are a little on a higher side as they provide extensive coverage. | The premium rates of a critical illness plan are comparatively lower as the coverage is limited to the number of illnesses covered in the policy. |
We're sure that this comparison must have cleared many of your doubts. However, if you still have some questions, do not hesitate to get in touch with us either online or offline (customer care executives).
You can also read our brochures published on our site and get a deeper knowledge about the various health insurance plans. We hope that you now make an informed decision and buy a regular as well as critical health insurance plan to safeguard yourself and your family members from any unexpected financial burden that medical emergencies might bring.
And remember that we're here for you & are caringly yours. So don't be hesitant to reach out to us in case of any difficulties.
Disclaimer
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
Please enter valid quote reference ID
