Bajaj Allianz Hospital Cash Insurance Policy

Bajaj Allianz Hospital Cash policy provides coverage against the financial burden of the insured arising out of hospitalization due to a sickness or accident. It will help the policyholder to manage incidental expenses that may result during hospitalization allowing him/her to focus only on the treatment.

Bajaj Allianz Hospital Cash Policy Overview

Bajaj Allianz Hospital Cash Daily Allowance policy offers a fixed cash allowance for each day of hospitalization. It provides double the hospital cash benefit amount to the insured if he/she is admitted to the ICU or Intensive Care Unit.

The Bajaj Allianz Hospital Cash policy comes with the hospital cash amount of Rs 500/1000/2000/2500 per day. Moreover, it is available for 30 and 60 hospital cash days.

Bajaj Allianz Hospital Cash Policy Eligibility Criteria

Criteria	Specifications
Minimum Entry Age	18 years 3 months (children)
Maximum Entry Age	65 years 21 years (children)
Coverage	Individual
Hospital Cash Amount	Rs 500/1000/2000/2500 per day
Number of Hospital Cash Days	30 days, 60 days
Policy Term	1 year/ 2 years/ 3 years
Pre-existing diseases	Not covered
Renewability	Lifetime
Discount	Long term discount, Family discount

Key Features of Bajaj Allianz Hospital Cash Policy

Take a look at the key features of the Bajaj Allianz Hospital Cash policy:

It provides a fixed cash benefit for each day of hospitalization.
It offers double hospital cash benefit amount in case of ICU admission.
It can be purchased along with any other health insurance schemes, CGHS, ESIS, etc.
It provides tax benefits on the paid premium under section 80D of the Income Tax Act.

Inclusions of Bajaj Allianz Hospital Cash Policy

The Bajaj Allianz General Insurance Company provides the following coverage under the Hospital Cash Daily Allowance policy:

Daily Cash Benefit - Offers a hospital cash benefit amount for each day of hospitalization
ICU Cash Benefit - Offers double the hospital cash benefit amount for a maximum of 7 days if admitted to the ICU

Exclusions of Bajaj Allianz Hospital Cash Policy

The Bajaj Allianz Hospital Cash Daily Allowance policy does not cover the following:

Pre-existing diseases
Treatment not recommended/performed by a doctor
Cosmetic, aesthetic or related treatments
Illness or disease contracted due to the intake of alcohol or other addictive substances
Suicide or self-inflicted injuries
Non-allopathic treatment
Cancer
Pregnancy and related procedure
Sexually transmitted diseases
Dental treatment

The above-mentioned list of exclusions is not complete. Find the complete list of exclusions in the Bajaj Allianz Hospital Cash policy brochure.

FAQs

Q. Will I get a daily cash allowance for day care procedures under my Bajaj Allianz Hospital Cash policy?

No. You will not be provided with a daily hospital cash benefit under the Bajaj Allianz Hospital Cash policy if you are undergoing a day care procedure.
Q. Can I reduce the premium for the Bajaj Allianz Hospital Cash policy?
Yes. You can reduce the premium for the Bajaj Allianz Hospital Cash Daily Allowance policy by availing the following discounts:
- Long term discount - 4% and 8% savings on premium if you opt for a policy tenure of 2 years and 3 years respectively
- Family discount - 5% savings on premium if two or more family members are covered under the same policy
Q. Is there a waiting period under the Bajaj Allianz Hospital Cash policy?
Yes. The Bajaj Allianz Hospital Cash Daily Allowance policy comes with the following waiting periods:
- Initial waiting period - 30 days
- Specific diseases - 1 year
Q. Can I enhance the sum insured under my Bajaj Allianz Hospital Cash policy?

Yes. You can enhance the sum insured or daily hospital cash amount under the Bajaj Allianz Hospital Cash policy at the time of policy renewal.
Q. Which documents should I submit to file a claim under the Bajaj Allianz Hospital Cash policy?
You need to submit the following documents to raise a claim under your Bajaj Allianz Hospital Cash policy:
- Bajaj Allianz health insurance claim form
- Copy of investigation reports
- Copy of doctor’s prescription
- Copy of hospital discharge card
- Copy of final hospital bill
- ID proof (if asked)