Bajaj Allianz Health Care Supreme Plan

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      Bajaj Allianz Health Care Supreme Plan

      If you wish to live your life to the fullest, carefree of the medical costs that arise due to the various health challenges and health care needs then Bajaj Allianz Health Care Supreme is the plan best suited for you and your family. This policy will take care of the medical expenses at every stage of your life.

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      It is a comprehensive plan that will help you to enjoy your peace of mind without worrying about the medical costs for you and your family.

      You can go for an individual plan or buy a family floater health insurance plan to provide coverage to your whole family – including parents, children, and extended family.

      Have a look at the policy coverage and limitations in detail below:

      Eligibility Criteria to Buy Bajaj Allianz Healthcare Supreme Plan

      • Entry age for adults- 18 years and above
      • Entry age for children is 3 months to 25 years
      • Lifetime Renewal option ( for children up to 35 years)
      • Coverage extendible to spouse, parents and children in the existing policy

      Features & Benefits of Bajaj Allianz Healthcare Supreme Plan

      • Cashless treatment or hospitalization in more than 6000 network hospitals around the country
      • Free look period of 30 days
      • A grace period of 30 days for policy renewal
      • For every claim free year, you will get a cumulative bonus of 10% to of SI, valid only on
      • hospitalization section
      • In-house claims settlement team
      • Quick claim settlement
      • Cashless treatment in 6000+ network hospitals
      • No maximum age limit
      • Enhancement of sum insured at the time of policy renewal
      • Tax benefits on the amount of premium paid

      Inclusions of Bajaj Allianz Healthcare Supreme Plan

      • Hospitalization expenses up to the sum insured – including nursing expenses, room rent, consultation fees, operation theatre charges, diagnostic procedures etc.
      • Pre-hospitalization expenses incurred within 60 days of admission
      • Post-hospitalization expenses incurred during 90 days after discharge
      • Road ambulance cover
      • Air Ambulance cover up to 10% of hospitalization sum insured
      • Coverage for day care procedures
      • 100% of Reinstatement of sum insured on exhaustion of hospitalization expenses
      • Homoeopathic and Ayurvedic Hospitalization treatment cover without sub-limits
      • Maternity Benefit to be covered after 3 years of the policy period
      • Outpatient expenses for treatment of diseases incurred during the policy period - dental procedures, consultation for psychiatric illnesses, prescribed medicines etc.
      • Lump sum payment for Organ donor's treatment specific to policy terms and conditions
      • Coverage for maternity expenses including caesarean section  up to a maximum of 2 deliveries or termination
      • New Born baby cover
      • Free annual preventive health check-ups

      Add-on Benefits of Bajaj Allianz Healthcare Supreme Plan

      • Ancillary Expenses Benefit:
      • Sum insured on daily basis is Rs. 1000 in the Vital Plan ( for 30 days)
      • Individual Sum Insured of Rs. 30,000 and & Rs. 60,000 in a floater plan
      • Sum insured on daily basis is Rs. 2000 in the Smart Plan( for 30 days)
      • Individual Sum Insured of Rs. 60,000 and & Rs. 120,000 in a floater plan
      • Sum insured on daily basis is Rs. 2500 in the Ultimo Plan( for 30 days)
      • Individual Sum Insured of Rs.75,000 and & Rs. 150,000 in a floater plan
      • Two times benefit in case of admission in ICU
      • Maximum period of 30 days during each policy period

      Critical Illness Benefit:

      • 15 critical Illnesses are covered
      • Survival period of 30 days not applicable
      • Waiting period of 90 days

      Personal Accident Cover:

      • 100% of Sum Insured in case of accidental death
      • 200% of Sum Insured in case of Permanent Total disability
      • Permanent partial disability and temporary total disability cover
      • Child education benefit of Rs.5,000 each ( up to 2 dependent Children)
      • Coverage to dependent parents, spouse and children up to Rs. 5 lakhs

      Exclusions of Bajaj Allianz Healthcare Supreme Plan

      • Routine diagnostic procedures such as laboratory tests, X-ray etc.
      • Cost of nutritional supplements, tonics, vitamins unless required as part of the treatment.
      • hospitalization required for infertility, STDs, and HIV
      • health issues resulting due to consumption of alcohol, drugs and intoxication
      • Weight loss surgeries
      • Self-inflicted injuries and suicidal attempts
      • Plastic surgeries unless necessary for the treatment of cancer, burns or accidental bodily injury
      • Suicidal attempts and self-injury
      • Hospitalization required due to riots, war, strike, nuclear radiations etc.
      • Any health issue/injury resulting due to involvement in dangerous sports activities
      • Treatment-related to traceable to pregnancy and similar complications
      • Arising or resulting from you committing any breach of law with criminal intent

      Sum Assured (Rs.)

      Sum assured options range from Rs.  5 lakhs to 50 lakhs

      List of 15 Critical Illnesses That Are Covered Under the Policy –

      • End-stage liver failure
      • Cancer of specified severity
      • Alzheimer's disease
      • First heart attack of specified severity
      • Kidney failure that requires regular dialysis
      • Major burns
      • Surgery to aorta
      • Multiple sclerosis
      • End-stage lung disease
      • Parkinson's disease
      • Primary pulmonary hypertension
      • Major organ /bone marrow transplant
      • Stroke
      • Aplastic anaemia
      • Coma of specified severity

      Claim Procedure for Bajaj Allianz Healthcare Supreme Plan

      Cashless Claim Settlement Process is as follows -

        • You visit one of the network hospitals for medical treatment.
        • The details filled in pr-authorization form will be verified by the hospital
        • Once verified, the form will be sent to Bajaj Allianz health insurance team
        • After validating the details in the pre-authorization form with the policy wordings, the decision is communicated to the hospital.
        • If it is approved, you can avail cashless treatment in the hospital
        • If there are some documents that are missing, then you will be conveyed to provide them at the earliest. Once submitted your claim will be approved.
        • If the claim is nullified, the insurer will intimate the hospital and you will need to process for reimbursement of the claim.

      Claim settlement procedure for reimbursement of medical expenses

      The insurer reimburses the claim in the following manner-

          • All the original documents including medical reports, bills, cash memos are required at the time of discharge
          • These documents are sent for verification to the insurance provider
          • You will be informed if any additional documents are required from your end
          • After a timely submission of documents, the claim will be settled within 15 days from the date of intimation
          • It is recommended to do it on time, as your claim request will be closed after 45 days of the date of intimation

      Tax Benefits with Bajaj Allianz Healthcare Supreme Plan

      Health insurance is one of the safest investment schemes if you want to save tax. As per Section 80D of the Income Tax Act 1961, the premium that you pay every year on your health insurance premium helps you to save tax. Have a look at the tax exemption limit in the table below -

      Insured Members Tax Exemption ( per year)
      Immediate Family ( applicant less than 60 years) Rs. 25,000
      Immediate Family and Parents more than 60 years of age Rs. 50,000
      Immediate Family and Parents less above 60 years of age and the policyholder is less than 60 years Rs. 75,000
      Immediate Family ( applicant above 60 years) Rs. 1,00,000


      However, there are certain restrictions-

          • Health insurance premium that you pay for your in-laws is not eligible for tax saving.
          • Furnish the payment proof to avail the tax benefits
          • To be eligible to claim tax exemption benefits under Section 80D the premium should be paid from your taxable income
          • Tax benefits are not valid on cash payments
      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: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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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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