Bajaj Allianz Health Infinity Plan

Bajaj Allianz Health Infinity Plan is an approved health insurance policy from Bajaj Allianz General Insurance Co. Ltd. This policy covers pre and post hospitalization expenses, road ambulance expenses, and per day room rental options, along with the other benefits.

By purchasing this Bajaj Allianz Health Insurance policyholders can benefit from first-rate treatment from any registered hospitals in India. The plan safeguards and guarantees one's affluent during a medical emergency.  

Bajaj Allianz Health Infinity Plan: Key Highlights

Policy Type

Individual Plan

Sum Insured

No Limit

Road Ambulance Cover

Rs 5000 per hospitalisation

Policy Tenure

1,2, 3 years

Renewability

Lifelong

Savings

For opting multiple policies up to a defined limit

*All savings offered by the insurer are as per the IRDAI’s approval. Standard T&C apply.

Coverage Offered

Under this policy, one can aid the Indemnity Health Insurance Plan with no restriction on Sum insured. The coverage can be extended for family members including spouse. Children and parents. To enjoy the full coverage, the premiums are the be paid as on the defined time frame.

Inclusions of the Plan

Bajaj Allianz Health Infinity Plan comes with an extensive list of inclusions:

  • In-patient Hospitalization Treatment: Individuals who buy Bajaj Allianz Health Infinity Plan Insurance Policy are covered for expenses related to room rent, ICU, nursing, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, and for anesthesia, blood, oxygen, OT charges, surgical appliances. It also covers procedures like Dialysis, chemotherapy, Radiotherapy, Physiotherapy, and related medicines, drugs, and consumables.
  • Pre-Hospitalization Cover: The policy covers medical expenses up to 60 days before hospitalization up to the sum guaranteed.
  • Post- Hospitalization Cover: The policy covers  medical expenses subject to 90 days after hospitalization up to the sum guaranteed.
  • Road Ambulance: Bajaj Allianz Health Insurance Policy will reimburse a maximum of up to Rs 5000 per treatment.
  • Day Care Procedures: Listed daycare procedures are covered.
  • Preventive Health Check-Up: After acquiring the Bajaj Allianz Health Infinity Plan every 3 years, free preventive health check-ups are available. An amount up to a maximum of Rs 5, 000/person will be compensated for a member in an individual policy during the block of 3 years.

Exclusions of the Plan

Bajaj Allianz Health Infinity Policy excludes some diseases and conditions under its coverage. They are:

  • Pre-existing Diseases waiting period 36 months from the first Health Infinity Policy.
  • 30 days waiting period
  • Some diseases like any gastrointestinal ulcers, internal and external tumors and cysts, cataracts, Parkinson's disease, Alzheimer's disease, many sinuses, and many more
  • Any illness or injury due to alcohol or drugs
  • Any unrelated diagnostic and treatment expenses
  • Cosmetic or Plastic Surgery
  • Dental treatment, unless medically necessary, etc.

 Please refer to the policy document for a detailed list of exclusions.

Features and Benefits of the Bajaj Allianz Health Infinity Plan

Individuals who wish to buy the Bajaj Allianz Health Infinity plan can consider below the features and benefits:

  • Indemnity Health Insurance Plan with no restriction on Sum guaranteed
  • Choice of selecting health insurance as the per day room rent
  • Mandatory Co-payment
  • No pre-policy medical tests up to 45 years of age
  • One can avail lifetime renewal option with this policy
  • One can easily port their existing health insurance policies after due allowances for the waiting period and enjoy the benefits of this policy
  • One can buy the policy for 1,2, or 3 years
  • Income Tax privilege under Sec 80 D of the IT Act

Eligibility Criteria

The policy comes with the following eligibility criteria:

Minimum Entry Age

 Child: 3 months

Adult: 18 years

Maximum Entry Age

Adult: 65 years

Child: 25 years (dependent)

No limit for policy renewal

Number of people covered

Individual, spouse, parents and 3 dependent children up to the age of 25 years

Residential Status

Indian nationals, NRI including PIOs (Persons of Indian origin) and OCIs (Overseas Citizens of India), only during stay and treatment in India.


Cancellation of the Policy

If the Insured person wishes to cancel the Bajaj Allianz Health Insurance Policy, he/she has to send out a written 15-day notice to the Insurer to cancel the policy. Upon acceptance, the company will reimburse the premium paid for the unexpired policy period.

This only holds good if the policyholder has not claimed under the policy. The insurer can also cancel the Bajaj Allianz Health Infinity Plan if the insured person is found to have indulged in fraud or misrepresentation, or concealment of correct information.

FAQs

Written By: PolicyBazaar - Updated: 24 December 2020

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