Disability or disease can bring life to a grinding halt. It is even more devastating when it causes loss of livelihood. These days, most people depend on a steady pay cheque to take care of loan repayments. If anything untoward happens, the family is left bearing the burden of the loan. Bajaj Allianz group credit protection plus protects family members from repaying such a loan. It has a tenure ranging from two to 30 years. It covers several categories of critical illnesses. A specialist medical practitioner must diagnose and confirm these. Here is a look at the details of illnesses this plan covers:

1) Cancer
In cancer, a rogue tumour spreads through uncontrolled growth. It invades and destroys normal tissues. Cancer includes leukaemia, lymphoma, and sarcoma.
Under the plan, histological evidence of malignancy must support cancer diagnosis.

2) CABGS/open chest
Coronary Artery Bypass Graft Surgery (CABGS) corrects narrow or blocked coronary arteries. This diagnosis needs a coronary angiography. A doctor must certify the need for the surgery.

3) Heart attack
Myocardial infarction or heart attack means the death of a part of the heart muscle. This is a result of inadequate blood supply to the relevant area. A history of typical clinical symptoms like chest pain must support the diagnosis.

4) Kidney failure
This is the last stage of a renal disease. It leads to a chronic, irreversible failure of both kidneys. It results in either regular renal dialysis or renal transplantation.

5) Major organ transplant (recipient)
The plan will consider the transplant of heart, lung, liver, kidney, pancreas. It could be the transplant of an organ suffering irreversible, end-stage failure. Or, it could be transplant of human bone marrow using haematopoietic stem cells.

6) Stroke
In medical parlance, this is any cerebrovascular incident that has permanent neurological impact. This includes infarction of brain tissue, cerebral thrombosis, haemorrhage, and extracranial embolisation. Typical clinical symptoms as well as findings in CT Scan or MRI of the brain have to be present. Besides, you must provide evidence of permanent neurological deficit.

7) Loss of limbs
The plan will consider total and irreversible loss of use of two or more limbs. This may be result of injury or disease of the brain or spinal cord. The paralysis must be permanent with no hope of recovery and must be present for more than three months.

8) Multiple Sclerosis with persisting symptoms
Here the protective covering of the nerves eat away the immune system. An MRI and CSF findings must confirm the diagnosis. There must be clinical impairment of motor or sensory functions. These must have persisted for a continuous period of at least six months. There has to be well-documented clinical history of the said symptoms. Or, cite neurological deficits with two documented episodes at least one month apart.

9) Primary pulmonary hypertension
This implies right ventricular enlargement as established by cardiac catheterisation. It results in significant permanent physical impairment. The degree of damage measures up to at least Class 3 as per the New York Heart Association. This has to result in the Life Insured being unable to perform his/her usual occupation. The condition must have been present for at least three consecutive months.

10) Alzheimer’s disease
The unequivocal diagnosis of Alzheimer’s disease has to come from a recognized consultant neurologist. The diagnosis must confirm permanent failure of brain function resulting in significant cognitive impairment.

11) Surgery of Aorta
This corrects any narrowing, dissection, obstruction or aneurysm of the thoracic or abdominal aorta. But it does not involve its branches. A cardiologist has to certify that surgery is necessary.

Speak to an expert about BALIC Group Credit Protection Plus. Know the precise terms and conditions. Each illness has its own set of perquisite and exclusion clauses, beyond the ones listed here. So be well-informed.

For more details on the product, please read the product sales brochure and rider brochure (wherever applicable) carefully.