Bajaj Allianz Health Ensure Insurance Policy

Key Features

• Pre-existing diseases are also covered after two years of policy renewal.
• Pre & post hospitalization expenses admissible at a flat benefit rate of 2%.
• Cashless facility at 2400 hospitals
• In case of uncovered hospitals, reimbursement to be made within 14 days from the date of submission of all documents

Benefits

• Up to the age of 55 years, no medical tests are required.
• Free health check up at the end of continuous four claim free years.
• Covers 130 day care procedures.
• Ambulance emergency charges covered up to a maximum of Rs. 1000 /- per year.
• Faster claim settlement due to in house claims administration team.
• Family discount of 5% is applicable.
• Income tax benefit on the premium paid, as per section 80-D of the income Tax Act.

 Details about Premium

* The above premium rates may change. Please see the policy wordings for more information.

Policy Details

Coverage: Whole family

Sum Insured:

• Rs. 50,000
• Rs. 75000
• Rs. 1 lac.

Grace Period: Grace period of 15 days is allowed for payment of premium. If policyholder fails to make payment within the grace period, the waiting period of 2 to 4 years shall start afresh.

Portability: If you are insured under any other health insurance policy of Non-life insurer you can transfer to Bajaj Allianz Health Guard Individual policy with all your accrued benefits after due allowances for waiting periods.

Policy Termination: Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded.

Free Look Period: If you are not pleased with the policy features then you can cancel it within 15 days of receipt of the policy documents, provided no claim has been made.

Exclusions

• Different waiting periods are applicable for pre-existing diseases.
• Cosmetic, aesthetic, or related treatments will not be covered.
• Any illness or disease contracted due to intake of alcohol or other addictive substances will not be covered.
• Treatments consisting of non-allopathic medicine are not covered under this policy.
• Accident due to drunk driving.

Eligibility

The Policy can be taken from 3 months to 55 years and can be renewed up to 75 years.