Bajaj Allianz Health Insurance Plans for Family

Key Benefits of Bajaj Allianz Health Insurance for Family

Take a look at the key benefits of buying Bajaj Allianz Health Insurance for family:

Wide range of sum insured starting from Rs 1.5 lakh to Rs 1 crore
Free preventive health check-up facilities available
No medical tests required for applicants up to 45 years/ 50 years as per the plan
10% cumulative bonus up to 100% for every claim-free year
Cashless treatments available at more than 6500 network hospitals
Reinstatement of the sum insured up to 100% available once a year
20% recharge benefit available for up to Rs 5 lakh
4% & 8% long term policy discount if opted for 2 years or 3 years policy term respectively
5% discount if the policy is purchased online or through direct business
Income tax benefits as per Sec 80D of the IT Act available on paid premium

The following table represents the various Bajaj Allianz Health Insurance plans for a family:

Plan Name	Sum Insured (Rs)	Pre-existing Diseases Waiting Period
Bajaj Allianz Health Guard Plan	Silver Plan - 1.5 lakh, 2 lakh Gold Plan - 3 lakh to 50 lakh Platinum Plan – 5 lakh to 1 crore	36 months	View Plan
Bajaj Allianz Health Care Supreme Plan	Vital - 50,000 to 10 lakh Smart – 15 lakh to 30 lakh Ultimo – 35 lakh to 50 lakh	24 months	View Plan
Bajaj Allianz Health Ensure Plan	2 lakh to 10 lakh	24 months	View Plan

Check out the eligibility criteria for different kinds of Bajaj Allianz Health Insurance plans for a family:

Categories	Eligibility Criteria
Categories	Adult	Child
Minimum Entry Age	18 years	3 months
Maximum Entry Age	Lifetime 65 years (under the Health Guard plan)	30 years 25 years (under the Health Care Supreme plan)
No of Family Members Covered	Self, spouse and dependent children
Renewability	Lifetime

Bharti AXA Health Insurance for Family

Care Health Insurance for Family

Cholamandalam Health Insurance for Family

Digit Health Insurance for Family

Edelweiss Health Insurance for family

Future Generali Health Insurance for Family

IFFCO Tokio Health Insurance for Family

Kotak Mahindra Health Insurance for Family

The following coverage is offered by the Bajaj Allianz Health Insurance plans for a family:

In-patient Hospitalization Treatment
Pre-hospitalization Medical Expenses
Post-hospitalization Medical Expenses
Road Ambulance Expenses
Day Care Procedures
Organ Donor Expenses
Ayurvedic/ Homeopathic Hospitalization Expenses (not available under the Health Guard Silver plan)
Convalescence Benefit/ Recovery Benefit (not available under Health Ensure plan)
Maternity Expenses (not available under Health Guard Silver plan and Health Ensure plan)
New Born Baby Cover (not available under Health Guard Silver plan and Health Ensure plan)

Please note that the inclusions and optional covers can differ from one Bajaj Allianz Health Insurance plan to another.

Bajaj Allianz Health Insurance for family comes with the following exclusions:

Check the complete list of exclusions by referring to the Bajaj Allianz Health Insurance policy document.

Q1. Does Bajaj Allianz Health Insurance for family comes with any waiting periods?
Ans: Yes. The Bajaj Allianz Health Insurance plans for families come with the following waiting periods:
- Initial Waiting Period – 30 days
- Specific Diseases/Procedures Waiting Period – 12/24/36/48 months
- Pre-existing Diseases Waiting Period – 24/36 months
- Maternity Expenses Waiting Period – 72 months
Q2. Are there any sub-limits under the Bajaj Allianz Health Insurance for family?

Ans: Yes. The Bajaj Allianz Health Guard plan comes with sub-limits under all three plan variants.
Q3. When can I enhance my sum insured under the Bajaj Allianz Health Insurance for family?

Ans: You can enhance the sum insured under your Bajaj Allianz Health Insurance policy during the renewals.