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.

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 15 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
Written By: PolicyBazaar - Updated: 17 December 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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