Your needs for insurance protection will vary at different stages of life. Sometimes, you may need to release a part of your savings from insurance commitments and utilise it for other pressing needs. The Bajaj Allianz Cashgain is ideal for those who want to reap and enjoy the benefits of their life insurance policy at regular intervals during their lifetime.

Bajaj Allianz Cashgain is a specially designed plan that offers a host of additional benefits you may choose to develop a sound financial portfolio for your family. Among the many unique benefits, the most significant is the Family Income Benefit (FIB) that sustains the family by compensating the loss of regular income due to death or permanent disability.
Available as:
• Bajaj Allianz Cashgain Economy: The basic package
• Bajaj Allianz Cashgain Gold: With double protection
• Bajaj Allianz Cashgain Diamond: With triple protection
• Bajaj Allianz Cashgain Platinum: With quadruple protection


A Uniform Life Cover
Besides giving you regular Cash Benefits, this plan takes care of your life insurance needs also. On death during the term of policy, the following would be paid irrespective of the Cash Benefits already paid:
• Bajaj Allianz Cashgain Economy: Sum Assured + Bonuses
• Bajaj Allianz Cashgain Gold: Double Sum Assured + Bonuses
• Bajaj Allianz Cashgain Diamond: Triple Sum Assured + Bonuses
• Bajaj Allianz Cashgain Platinum: Quadruple Sum Assured + Bonuses
Choice of Terms
Keeping your convenience in mind, we offer you the widest range of terms: 15, 20, 25 and 30 years.

Additional Protection for you and your family
You have the option to add the following additional benefits, providing total protection against uncertainties.

1. Family Income Benefit (FIB) - The Ultimate Protection - For Your Loved Ones
   You can select the unique Family Income Benefit from Bajaj Allianz that ensures total financial protection for your loved ones. In case of death or accidental total permanent disability, a guaranteed monthly income of 1% of the sum assured (12% per annum) is paid till the end of the policy term or at least for a period of 10 years, whichever is higher. Moreover, all future premiums are waived.
   
2. Comprehensive Accident Protection
   This benefit provides comprehensive cover in case of an accident. It comprises of:
   Accidental Death Benefit
   Accidents are always sudden and sometimes fatal. You can't lessen the emotional shock, but you can certainly soften the financial one. Bajaj Allianz Accidental Death Benefit gives the loved ones something to start with after the permanent loss of income by paying an amount equal to the Sum Assured. (Subject to a maximum of Rs. 50,00,000/- under all policies with Bajaj Allianz taken together).
   Accidental Permanent Total/Partial Disability Benefit
   Accidents are unpredictable, and so are the consequences. They may lead to a disability - partial or total. This Benefit provides a financial cushion against such misfortunes. You will get 50% of the Sum Assured in case of partial disability and 100% in case of total disability. (Subject to a maximum of Rs. 25,00,000/- for partial and Rs. 50,00,000/- for total disability under all policies with Bajaj Allianz taken together).
   Waiver of Premium Benefit
   An accident may lead to permanent total disability, limiting one’s ability to earn. Bajaj Allianz Waiver of Premium benefit is a helping hand when one needs it most. It waives off all future premiums while keeping the valuable life insurance cover alive, thus enabling you to live up to your commitments.
   
3. Critical Illness Benefit (CI)
   Some illnesses are critical. They not only alter one’s life's pattern but also result in a financial drain. Bajaj Allianz Critical Illness Benefit softens the impact on the family by paying out the Critical Illness Benefit under the plan immediately, while other policy benefits continue (excluding Hospital Cash Benefit). We cover 11 critical illnesses. You have the flexibility of choosing Critical Illness cover up to the basic Sum Assured selected by you (Minimum Rs.50, 000).
   
4. Hospital Cash Benefit (HC)
   The worry of settling hospital bills (room charges) adds to the trauma of hospitalization. Bajaj Allianz Hospital Cash Benefit reduces this financial burden and helps recovery with peace of mind.
   

Flexibility in Coverage
At Bajaj Allianz, we believe in offering benefits and not just products. We realize that you are unique and your needs for insurance vary with time. We therefore offer you the flexibility of inclusion of coverage or exclusion of coverage at each policy anniversary, subject to conditions relating to such inclusions and exclusion.

You have the flexibility to change your package and move to a package that provides lower protection at each policy anniversary (premiums would be adjusted accordingly). “Comprehensive Accident Protection” can be included and excluded at each policy anniversary. Family Income Benefit, Critical Illness Benefit and Hospital Cash Benefit can be taken at inception only. FIB, CI & HC can be reduced or excluded subsequently at any policy anniversary. Once reduced or excluded, they cannot be increased or included subsequently.

Increase in risk coverage
Every added responsibility in your life calls for increase in your risk cover. We provide you the option to increase coverage upto 50% of the basic Sum Assured on each of the following happy moments in your life
• Your marriage
• the birth of your first child
• the birth of your second child
This additional coverage is not subject to underwriting. The option should be exercised within 90 days of the occurrence of the said event.