Bajaj Allianz M-Care Health Insurance Policy

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      Bajaj Allianz M-Care Health Insurance Policy

      A comprehensive health insurance policy is needed to cover medical expenses during a health emergency and benefit from good quality healthcare.  Bajaj Allianz M-Care Health Insurance Policy from Bajaj Allianz General Insurance Co Ltd. is a complete protection solution for taking care of the most common vector-borne ailments. Vector-borne diseases account for a large chunk of infectious diseases, with mosquitoes being the most common carrier.

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      The Bajaj Allianz M-Care Health Insurance policyholder can avail of cashless treatment from any of the listed network hospitals. The policy acts as a safety net and ensures his financial security during a medical emergency.

      Bajaj Allianz M-Care Health Insurance: Key Highlights

      Policy Type

      Floater Policy

      Sum Insured

      Rs 10,000-75,000

      Cooling-off Period

      60 days

      Waiting Period for Pre-existing Illness

      60 days


      Coverage Offered

      If the Insured is diagnosed to be suffering from any one of the listed 7 Vector-Borne diseases during the policy period, the Insurer will pay a single, lump-sum benefit, to the policyholder, as per the conditions specified in the Policy document.

      There are 7 vector-borne diseases covered under this policy:

      • Malaria
      • Zika Virus
      • Chikungunya
      • Dengue Fever
      • Kala Azar
      • Filariasis
      • Japanese Encephalitis

      Inclusions of the Plan

      Other than the basic coverage, the following benefits are included under the Bajaj Allianz M-Care Health Insurance Policy.

      • Access to a cashless facility (subject to cashless authorization and limit of benefits)
      • Sum insured options available from Rs 10,000 to Rs 75,000
      • Lump-sum benefit available if the insured person is diagnosed to be suffering from any of the listed Vector-Borne diseases

      Exclusions of the Plan

      The following are not covered under the plan:

      • Any disease or treatment not related to the vector-borne diseases as listed for the coverage is not covered.
      • A 60-days waiting period for any pre-existing illnesses for which any treatment was taken prior to the purchase of the M-Care Health Insurance Policy.
      • Hospitalization below 24 hours is not considered.
      • A 60-days cooling-off period for the same vector disease if policy renewal is done within 60 days of the last paid claim date.
      • Diagnosis and treatment taken abroad are excluded. However, this condition is not applicable in the following countries: New Zealand, Singapore, Japan, Canada, Dubai, Switzerland, the USA, Malaysia, European Union countries, and Hong Kong.

      Features & Benefits of the Bajaj Allianz M-Care Health Insurance Policy

      Given below are the main features and benefits of the Bajaj Allianz M-Care health insurance policy:

      • Lifetime renewal benefit is offered under this policy.
      • This is an annual policy that offers coverage for all the family members.
      • Free-look period of 15 days is applicable where the insured can cancel the policy.
      • On purchasing the policy from the insurer’s website, additional savings are offered.
      • Multiple sum insured options are available to choose from

      Eligibility Criteria

      The minimum eligibility criteria to avail this policy include:

      Type

      Individual or Family Floater

      Minimum Entry Age

      Adult: 18 years

      Child: 0 days

      Maximum Entry Age

      Adult: 65 years

      Number of people covered

      Self, Spouse, Dependent Parents, Dependent Children

      Residential Status

      Indian Residents and Citizens


      Cancellation of the Policy

      Cancellation is possible by giving the insurance company at least 15 days' written notice, and if no claim has been made, then the premium shall be refunded on short term rates for the unexpired Policy Period.

      Similarly, the Insurer can also cancel the policy on account of fraud or misrepresentation by the Insured person by giving a 15-days 'written notice, followed by a premium return on a short term rate basis.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
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      • 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.

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