Insurance
Home >
Personal Banking >
General Insurance
Bajaj Allianz
INDIVIDUAL HEALTH GUARD
Our Health Guard policy takes care of your hospitalization expenses & also offers a wide coverage of pre & post hospitalization expenses. It is rightly said 'Health is Wealth'.
We are all aware that health care costs are exorbitant. At times, unfortunately we fall prey to unanticipated accidents & illness. Bajaj Allianz promises to stand by you during those difficult times of physical and mental stress. Our Health Guard policy takes care of your hospitalization expenses & offers a wide coverage of pre & post hospitalization expenses. We are the first insurance company to offer a sum insured of Rs.
10 lacs.
FEATURES
-
The member has cashless facility at over 2300 hospitals across India.
-
With Health Guard, the member has access to cashless facility at various empanelled hospitals across India.
-
Pre and post - hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization.
-
Covers ambulance charges in an emergency subject to limit of Rs.
1000.
-
No tests required up to 45 years for Salaried Individuals till Rs.
10 lacs.
-
10% co-payment applicable if treatment taken in non-network hospitals.
-
20% co-payment applicable for members of age group 56-65 years, opting this policy for first time.
-
Waiver on 10% co-payment is available on payment of additional premium.
-
Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz.
HEALTH ENSUREA simple and affordable health insurance plan that takes care of medical treatment costs incurred during hospitalization due to serious accident or illness.
The Health Ensure policy is the perfect health protection for you and your family. It takes care of medical treatment costs incurred during hospitalization due to serious accident or illness.
FEATURES
-
Pre-existing diseases covered after 2 yrs continuous renewals with us.
-
A flat benefit of 2% of admissible hospitalization expenses are paid towards pre & post hospitalization expenses.
-
Access to 2400 hospitals for Cashless facility.
-
In case of admission in non-network hospitals the expenses incurred would be reimbursed within 14 days from the date of submission of all documents.
EXTRA CARE
Bajaj Allianz Extra Care is a unique health insurance plan that allows you to extend your existing health insurance coverage. If the sum insured of your existing health insurance plan does not suffice for expenses due to illness or accidents, Extra Care health insurance policy takes care of the additional hospitalization expenses.
-
This is a floater policy, single Sum Insured and single premium for the whole family Very Competitive premium rates.
-
No Medical tests up to 55 years subject to clean proposal form Pre-existing diseases covered after 4 years.
-
Continuity for waiting periods would be given for any indemnity cover irrespective of Sum Insured in the earlier policy.
-
The policy covers ambulance charges in case of emergency subject to a maximum of Rs.
3000.
FAMILY FLOATER HEALTH GUARD
A perfect Health protection plan for you and your family. Covers pre and post hospitalization expenses and also ambulance charges in case of an emergency. In these times of rising medical costs, Bajaj Allianz's Family Floater Health Guard Policy is the perfect Health protection for you and your family. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious accident or illness. The policy covers pre and post hospitalization expenses and also ambulance charges in case of an emergency (subject to a limit of Rs.
1000).
FEATURES
-
With Family Floater Health Guard, the member has access to cashless facility at various empanelled hospitals across India (subject to exclusions and conditions).
-
In case the member opts for hospitals besides the empanelled ones, the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents.
-
Pre and post hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization.
-
10% co-payment of the admissible claim to be paid by the member if treatment is taken in a hospital other than a network hospital.
-
Waiver of the co-payment clause is available on payment of additional premium.
-
Covers ambulance charges in an emergency subject to limit of Rs.
1000.
-
130 daycare procedures are covered subject to terms & conditions.
-
20% Co-payment applicable for any insured person aged 56 yrs and above, being covered for the first time in the Health Guard policy
-
CRITICAL ILLNESSInsure yourself against the risk of serious illness. This policy gives you the security of knowing that a guaranteed cash sum will be paid if the unexpected happens and you are diagnosed with a critical illness. A health insurance plan that covers critical illness means you can insure yourself against the risk of serious illness in much the same way as you insure your car and your house.
FEATURES
-
The Critical Illness health insurance plan has the following advantages.
-
The benefit amount is payable once the disease is diagnosed meeting specific criteria and the insured survives 30 days after the diagnosis.
-
The insured receives the amount as lump sum so that he can plan the treatment accordingly.
-
Expenses like donor expenses in a transplant surgery, which are not covered under normal health insurance policy, can be paid out of the amount received under this cover both in India & abroad.
-
The product is offered from 6 to 59 years.
-
Medical examination may be required in some cases based on the age and the benefit amount opted by the proposer.
-
Very competitive premium rates.
-
Insured can opt for Sum Assured from Rs.
1,00,000 to Rs.
50,00,000.
STAR PACKAGEProvides a gamut of covers for various health risks, household contents, education grant, travel baggage and public liability all under a single policy. Star Package policy is a unique family floater policy which protects your family against various risks and contingencies. It has 8 sections and you would have to opt for a minimum 3 sections to avail for this policy. The death, injury or sickness of a breadwinner or family member can create serious financial problems for any family. Star package insures you against these circumstances.
FEATURES
-
Covers Hospital Cash, Health Guard, Critical Illness, Personal accident, Education Grant, Householders contents, Traveling Baggage & Public liability.
-
Family floater can be opted by paying 50% & 25% of self-premium for spouse & children respectively. Add-on covers can be opted under Health Guard.
-
12 Dreaded diseases are covered under Critical illness.
-
The policy can be taken for maximum 3 years to avoid yearly renewal.
-
10%-15% section discount can be availed if 4 or more sections are opted.
-
10%-15% Long term discount can be availed if the policy is taken for 2 or more years. Wide coverage from Health to Home.
-
Access to over 2400 hospitals all over India for cashless facility.
-
No sub-limits applicable on room rent and other expenses.
-
Hassle-free claim settlement due to In-house claim administration.
-
Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing Income Tax law.
PERSONAL GUARDThe accidental death or injury of a breadwinner can create serious financial problems for the family. Our Personal Guard ensures total security and peace of mind here. Life is uncertain. Your future doesn't have to be. Personal Guard is a policy that covers the insured against bodily injury or death caused due to accidents.
FEATURES
-
Highest compensation of 125% of the sum insured in case of permanent total disability Medical Expenses arising out of accident.
-
Children's education bonus / in case of death or permanent total disability Cumulative bonus @5% per claim free year to a maximum of 50% (reduced by 10% if claim is lodged).
-
Family discount of 10%
HOSPITAL CASHHospital Cash Policy guards you and your family against the trauma that you face because of increased financial burden during hospitalization. Hospital cash offers complete health protection for the whole family as it covers the incidental expenses during hospitalization period, which are not covered under any Mediclaim policy.
FEATURES
-
Fixed amount is paid for every day of hospital confinement.
-
Cash benefit doubles in case of ICU admission.
-
Dependents can also avail the benefit.
-
IT benefit under section 80D.
-
Provides cover for any miscellaneous expenses incurred during hospitalisation. Coverage benefit ranges from 500 - 2500 per day.
-
Daily allowance is doubled in case of admission in ICU up to 7 days.
SANKAT MOCHAN
FEATURES
-
Highest compensation of 125% of the SI in case of Permanent Total Disability.
-
Inbuilt Children's Educational Bonus benefit.
-
Daily hospital confinement allowance payable in case of hospitalization due to accident (As per the plan opted).
-
Medical expenses reimbursement in case of hospitalization due to accidents.
-
No health check-up required.
-
Personal accident benefit and accidental hospitalization expenses are covered under a single policy.
-
Hassle free in house claim settlement with minimal documentation.
-
This policy also covers terrorism related accidental losses for the victims.