Bajaj Allianz Health Insurance

Bajaj Allianz health Guard Individual policy covers the hospitalization expenses of the individual with the following features:

• Access to cashless hospitalization facility across 4000 empaneled hospitals.
• Pre and post hospitalization expenses covered for 60 and 90 days respectively.
• Emergency ambulance charges and 130 day care procedures are covered.
• Availability of an in-house Health Administration Team.
• 10% cumulative No Claim Bonus up to a maximum of 50%.
• Lifelong renewability of the Health plan.

Eligibility

• Proposer or spouse aged 18-65 years and children aged 3 months to 25 years can be covered under the plan.

Bajaj Allianz Extra Care Health Plan which can be bought to increase the coverage beyond the coverage provided in an existing health plan at low costs.

The Features & Benefits are as follows:

• This Bajaj Allianz health insurance plan provides for extension of the coverage amount at lower premiums.
• Medical expenses in case of hospitalization are covered.
• Pre and post hospitalization expenses covered for 60 and 90 days respectively.
• Emergency ambulance charges are covered.
• No medical tests required till 55 years of age.
• In case of claims, the amount in excess of the deductible limit prescribed in the plan is paid for by the Bajaj Health Insurance policy.

Eligibility

• Individuals aged 18-70 years are eligible to apply. In case of children, the age limit is 3 months to 5 years if both parents are covered or 6-18 years if either of the parents is covered with the company. Children aged 18-25 years can act as a proposer or dependent.

Bajaj Allianz Premium Personal Guard Policy that covers expenses arising out of any accident suffered by the proposer of his insured family.

The Features and Benefits are as follows:

• The Bajaj Allianz Premium Personal Guard policy covers Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability and Death due to accident.
• The Bajaj Health plan provides for Hospital confinement allowance and accidental hospitalization expense.
• The company has a tie-up with over 4000 hospitals and 1200 diagnostic clinics all over India and also provides Value Added Services.
• Availability of an in-house Health Administration Team.
• 10% cumulative No Claim Bonus up to a maximum of 50%.

Eligibility

• Proposer or spouse aged 18-65 years and dependent children aged 5 to 21 years can be covered under the plan

Bajaj Allianz's Critical Illness Health Insurance Plan exclusively designed to cover against pre-determined critical illnesses where a lump sum amount is paid immediately if the proposer is diagnosed with the illness covered under the scope of the plan.

The Features of the Plan are as Follows:

• A lump sum amount is paid to the insured when he is diagnosed with a critical illness covered under the plan and he survives for at least 30 days post diagnosis.
• Donor expenses are also covered.
• Sum Assured ranges from 1 lakh to 50 lakhs.
• Illnesses covered under the plan include cancer, coronary artery bypass surgery, kidney failure, first heart attack, major organ transplant, stroke, aorta graft surgery, primary pulmonary. arterial hypertension, multiple sclerosis and permanent paralysis of the limbs.
• Availability of an in-house Health Administration Team.

Eligibility

• Individuals aged 6-65 years can avail of the plan

Bajaj Allianz's Silver Health Insurance Plan designed for senior citizens who frequently require medical attention.

The Features are as Follows:

• Hospitalization expenses and 3% of the admissible pre and post hospitalization expenses are covered under the plan.
• Emergency ambulance charges are covered.
• Pre-existing illnesses covered from the 2nd year of the Bajaj Allianz plan with 50% coverage.
• Cashless facility with quick disbursement of claims.
• Availability of an in-house Health Administration Team.
• Cumulative bonus and family discount of 5%.

Eligibility

• Coverage is provided from 46 years – 75 years with age at entry restricted to 70 years.
• Pre-entrance medical tests are to be done at the proposer’s cost which is reimbursed if a fresh policy is accepted.

Just like Bajaj Allianz Online they have Offline Plans. List of Bajaj Allianz Offline Plans are as follow:

• Bajaj Health Care Supreme Plan
• Bajaj Allianz's Hospital Cash Daily Allowance Plan
• Bajaj Allianz's Star Package Health Plan
• Bajaj Allianz Health Ensure Plan
• Bajaj Allianz Tax Gain Plan
• Bajaj Personal Guard Accident Health Insurance:
• Women specific Critical Illness Insurance

Lets discuss about each plan in detail.

Bajaj Health Care Supreme Plan with a family floater option which provides for exhaustive coverage.

The Features of the Plan are as Follows:

• Sum Assured range of Rs.5 lakhs to Rs.50 lakhs on individual or floater basis.
• No limit on the maximum entry age with lifetime renewal facility.
• Hospitalization expenses are covered with no limit on room rent or other expenses.
• Road ambulance and air ambulance expenses are covered.
• Unlimited Day Care procedures are covered.
• Sum Assured reinstatement features wherein 100% of the Sum Assured is reinstated in case the hospitalization coverage exhausts.
• Maternity benefit, outpatient expenses, recovery benefit, physiotherapy expenses and organ donor expenses are covered.
• No sub-limits on Ayurvedic or Homeopathic Hospitalization treatments.
• Free annual preventive health check-ups on renewal.
• Critical Illness, Hospital Daily Cash Allowance and Personal Accident cover is also provided.
• 10% cumulative No Claim Bonus up to a maximum of 50%.

Eligibility

• Proposer, spouse or parent’s entry age is 18 years to lifetime and for children it is 3 months to 25 years.
• Renewal for up to 35 years for dependent children post which they have to take an independent policy.

Bajaj Allianz's Hospital Cash Daily Allowance Plan which provides for a specified amount every day for which the insured is hospitalized to take care of the family’s financial requirements.

The Features of the Plan are as Follows:

• The coverage amount per day ranges from Rs.500 to Rs.2500 as chosen by the proposer.
• The coverage can be taken for 30 days or 60 days.
• The plan covers self, spouse and dependent children.

Bajaj Allianz's Star Package Health Plan which covers all the aspects of a medical contingency and other contingencies.

The Features of the Plan are as Follows:

• The Bajaj Allianz Star Health plan is issued as a family floater policy
• The plan provides for 8 sections of exhaustive coverage which includes

1) Health Guard covering the family against serious accidents and illnesses.
2) Hospital Cash providing with daily cash in case of hospitalization.
3) Critical Illness which pays a lump sum amount in case of diagnosis of a Critical Illness.
4) Personal Accident covering accidental death and disability.
5) Education Grant providing a lump sum towards education of the child in case of accidental death or permanent total disability of the insured.
6) Household Contents covering household objects against theft or robbery.
7) Travelling Baggage covering luggage while travelling.
8) Public Liability covering legal liability to a third party against bodily injury or death.

Eligibility

• Self-proposers aged 18-45 years are covered and children aged 3 months to 5 years can be covered if both the parents are covered under the company or if one parent is covered then children aged 6 years to 25 years can be covered under the Bajaj Star Package Health policy

Bajaj Allianz Health Ensure Plan covering medical costs during hospitalization due to accident or illnesses.

The Bajaj Alianz Health Ensure Plan Features are as Follows:

• 2% admissible hospitalization expenses are p[aid towards pre and post hospitalization.
• Cashless facility across 2400 network hospitals.
• Emergency ambulance charges and 130 day care procedures are covered.
• Availability of an in-house Health Administration Team.
• Free medical check-up for the proposer and the family after a block of 4 claim-free years.

Eligibility

• Entry age is 3 months to 55 years with renewability till 75 years.
• Sum Assured available is Rs.50, 000, Rs.75, 000 and Rs.1 lakh.

Bajaj Allianz Tax Gain Plan covering hospitalization and outpatient expenses. The features are as follows:

• Cashless facility across 4000 network hospitals.
• Emergency ambulance charges and 130 day care procedures are covered
• Free medical check-up for the proposer and the family after a block of 4 claim-free years
• In-house claim settlement process

Eligibility

• Entry age is 18-75 years

A personal accident plan covering against death and disability arising out of accidents.

The Features are as Follows:

• This Bajaj Allianz Health Insurance plan provides for 125% of the Sum Assured in case of total permanent disability.
• Moreover, children’s education bonus is also provided in case of death or total permanent disability.
• 5% cumulative up to a maximum of 50% and a 10% family discount.
• Hospital confinement allowance at Rs.1000 per day for a maximum of 30 days.

• This Bajaj health insurance plan covers against 8 Women Specific Critical Illness Insurance which include ovarian cancer, breast cancer, vaginal cancer, cervical cancer, uterine/endometrial cancer, burns, fallopian tube cancer and paralysis or multi-trauma.
• The plan also provides for a 50% Sum Assured benefit in case of congenital disability
• Children Education Bonus and Loss of Job coverage is also provided in the plan