Bajaj Allianz Arogya Sanjeevani Policy

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      Bajaj Allianz Arogya Sanjeevani Policy

      Arogya Sanjeevani policy is an affordable and beneficial health insurance plan by Bajaj Allianz General Insurance Company Limited.  Anyone up to the age of 65 years can get insurance cover for hospitalization expenses including modern treatments and COVID-19 hospitalization. From oral chemotherapy to robotic surgeries, Bajaj Allianz Arogya Sanjeevani health insurance plan covers it all. Here are the policy features, coverage benefits, and premium details below.

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      Eligibility Criteria

      Features

      Specifications

      Entry Age

      Adults: 18- 65 years

      Children: 3 months- 25 years

      Coverage Type

      Individual/Family Floater

      Sum Insured

      Rs 1 lakh to Rs 25 lakh

      Policy Term

      1 Year

      Modern Treatment Cover

      Up to 50% of the Sum Insured

      Co-payment

      5%

      COVID-19 Treatment

      Covered

      Pre-existing Disease Waiting Period

      48 months

      Premium

      Rs 2890 onwards

      Features of Bajaj Allianz Arogya Sanjeevani Policy

      Bajaj Allianz Arogya Sanjeevani health insurance policy is loaded with the following features and benefits:

      • The sum insured options under the Bajaj Allianz Arogya Sanjeevani policy range from Rs 1 lakh to Rs 25 lakh
      • The policy covers all the daycare procedures as well
      • Pre-acceptance medical screening is only required for people above the age of 45 years
      • Pre and post hospitalization expenses are claimable for 30 days and 60 days respectively
      • 5% cumulative bonus is provided for all the claim-free years
      • Hernia, varicose veins, fissures, congenital anomalies, sinus, benign tumors, polyps, cysts, and some other specific disease treatment/ surgery are payable after completion of 24 months of the policy term
      • The insured has an option to pay the premium in installments

      Inclusions of Bajaj Allianz Arogya Sanjeevani Policy

      Bajaj Allianz Arogya Sanjeevani policy provides the following coverage benefits:

      • Modern Treatments are covered up to 50% of the Sum Insured
      • Cataract surgery 25% of Sum Insured or Rs.40,000
      • Road ambulance cover up to Rs 2000
      • Room Rent capping is kept at 2% of the sum insured up to a maximum of Rs 5000 per day
      • ICU cover up to 5% of the sum insured or up to a maximum of Rs 10,000 on a daily basis
      • Ayush treatment charges for Homeopathy, Naturopathy, Siddha, and Unani are covered

      Exclusions of Bajaj Allianz Arogya Sanjeevani Policy

      Bajaj Allianz Arogya Sanjeevani policy does not cover the following expenses:  

      • Obesity/weight control treatments
      • Maternity expenses are not claimable
      • OPD treatment and domiciliary hospitalization expenses
      • Infertility and sterility treatment are excluded

      How to File a Claim for Bajaj Allianz Arogya Sanjeevani Policy?

      To file a cashless and reimbursement claim for Bajaj Allianz Arogya Sanjeevani Policy follow the process as given below:

      • You can call the insurer or speak to our health insurance experts at 1800-708-8787 for assistance
      • Inform your policy ID number and registered email id
      • At the time of hospital admission, you can furnish the ID Card issued by the Insurer at the Hospital Helpdesk
      • You need to get the pre-authorization Form from the Hospital Help Desk, provide the Patient Information, and re-submit is to the Hospital Help Desk
      • For emergency hospitalizations, the information needs to be provided within 24 hours after hospitalization
      • In non-network hospitals, you need to pay the amount up-front and then file for reimbursement claim with all the documents
      • On the other hand, in network hospitals when you are availing the cashless treatment the amount will be settled by the insurer directly with the hospital

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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