Bajaj Allianz My Health Care Plan

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      Bajaj Allianz My Health Care Plan

      Bajaj Allianz My Health Care is a unique combination of a comprehensive health policy and a super top up insurance policy that gives policyholders the freedom to design coverage best suited for their healthcare needs. It doubles the sum insured amount once a year with the double sum insured benefit and comes with a renewal premium waiver benefit in case of the untimely death of the insured. The policy also offers consumables cover that pays for the non-medical expenses incurred during hospitalization.

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      Moreover, this Bajaj Allianz health insurance policy also offers attractive benefits, such as international cover, loss of income cover, surgery only cover, reinstatement of sum insured, annual preventive health check-ups, airlift cover, etc.

      Bajaj Allianz My Health Care Plan: Key Highlights

      Categories Specifications
      Sum Insured ₹3 lakh to ₹5 crore
      Deductible ₹50,000 to ₹1 crore
      Policy Tenure 1 year, 2 years, 3 years
      Pre-policy Medical Check-ups Not required for up to 45 years
      Pre-existing Diseases Waiting Period 3 years
      Discount Up to 25% zone discount
      Up to 20% voluntary co-payment discount
      Up to 15% family discount
      Up to 10% wellness discount
      Up to 8% long-term discount
      5% online discount
      5% loyalty discount
      5% early entry discount
      5% fitness discount

      Benefits of Bajaj Allianz My Health Care Plan

      Take a look at some of the Bajaj Allianz My Health Care plan benefits below:

      1. Doubles the Sum Insured

        With this benefit, the sum insured of the policy will be doubled once a year in case the base coverage amount has been exhausted.

      2. Renewal Premium Waiver Benefit

        The Bajaj Allianz General Insurance Company waives the renewal premium for the policy if the insured dies during the policy period due to an illness or accidental injury.

      3. Recharge of the Sum Insured

        With the recharge benefit, the sum insured of the Bajaj Allianz My Health Care policy will be recharged up to a specified limit in case the claim amount exceeds the maximum coverage amount.

      4. Sum Insured Reinstatement for Same Illness

        Unlike several health plans, this policy restores the sum insured amount to claim medical expenses incurred on the same illness after a minimum gap of 15 days if the original coverage amount has been exhausted. While the reinstatement is applicable once for a sum insured below ₹5 lakh, unlimited restoration of the sum insured is possible for a sum insured of ₹5 lakh and above.

      5. Annual Preventive Health Check-ups

        Policyholders can avail free preventive health check-ups once a year at any network service provider of the insurance company.

      6. Cumulative Bonus

        With this mediclaim insurance policy, policyholders can earn a cumulative bonus of up to 100% of the sum insured for every claim-free year.

      7. Tax Benefits

        The premium paid to buy the Bajaj Allianz My Health Care plan is tax deductible under Section 80D of the Income Tax Act.

      Bajaj Allianz My Health Care Plan Eligibility Criteria

      The eligibility criteria to buy a Bajaj Allianz My Health Care plan are as follows:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult - 18 years
      Child - 3 months
      Maximum Entry Age Adult - 65 years
      Child - 30 years
      Coverage Type Individual/ floater
      Renewability Lifetime

      Inclusions of Bajaj Allianz My Health Care Plan

      The following coverage are included in the Bajaj Allianz My Health Care plan:

      • In-patient Hospitalization Treatment - It pays for the medical expenses incurred on hospitalization of at least 24 hours, such as ICU expenses, room rent, specialist fees, surgeon’s fees, etc.
      • Pre-hospitalization Medical Expenses - It covers the medical costs incurred up to 60 days before hospitalization.
      • Post-hospitalization Medical Expenses - It pays for the medical expenses incurred up to 90 days after getting discharged from the hospital.
      • Modern Treatment Methods and Advancements in Technologies - It covers the cost of modern treatments availed by the insured, such as robotic surgeries, oral chemotherapy, etc.
      • Day Care Treatment - It pays for the cost of day care procedures that require hospitalization of less than 24 hours.
      • Ayurvedic and Homeopathic Hospitalization Cover - It covers the cost of availing in-patient treatment through Ayurveda or Homeopathy system of medicines.
      • Organ Donor Expenses - It pays for the in-patient treatment of the donor for harvesting the organ donated for the transplant surgery of the insured.
      • Road Ambulance - It pays for the medical expenses incurred by availing road ambulance services to transport the insured to the nearest hospital during an emergency.
      • Maternity Package Expenses - It covers the medical expenses incurred on delivering a newborn baby, surrogacy and complications of assisted reproductive technology/ procedures.
      • Baby Care - It pays for the medical expenses incurred on the treatment of the newborn baby of the insured.
      • Outpatient Treatment Expenses - It covers the outpatient medical expenses incurred on teleconsultations, in-clinic doctor consultations, doctor-prescribed pathology & radiology investigations and annual health check-ups.
      • Home Nursing Benefit - It pays a fixed weekly amount for a maximum of 10 weeks if a registered nurse has been engaged for post-hospitalization care of the insured.
      • Domiciliary Hospitalization - It covers the medical expenses incurred on availing treatment through domiciliary hospitalization on the recommendation of a qualified doctor.
      • Cost of Prescribed External Medical Aid - It pays for the external medical aid prescribed by the treating doctor for a specific injury or illness.
      • Airlift Cover - It covers the cost of availing airlift facility to transport the insured to a hospital in case of a life-threatening condition.
      • Family Visit - It pays for the actual economy class transportation expenses incurred on the round trip of one family member/relative/friend if the insured is hospitalized in another city.
      • Consumables Expenses - It covers the non-medical expenses incurred during in-patient hospitalization of the insured, such as the cost of needles, syringes, bandages, cotton, gloves, masks, etc.

      Optional Covers:

      • Loss of Income Cover - It pays a lump sum amount to the insured in case of a minimum of 72 consecutive hours of hospitalization due to an illness or accidental injury.
      • Procedure-wise Sub-limit - It applies a sub-limit on the in-patient hospitalization expenses incurred on some procedures like coronary artery bypass grafting, total knee replacement with prosthesis, etc.
      • Surgery Only Cover - It pays for the medical expenses incurred on surgical procedures performed on the insured.
      • Air Ambulance Cover - It covers the medical expenses incurred on ambulance transportation of the insured via air to the nearest hospital during a life-threatening emergency.
      • Major Illness and Accident Multiplier - It pays for the treatment of 10 listed major illnesses or accidental injuries for up to a maximum of two times the base sum insured amount.
      • International Cover - Emergency Care - It covers the medical expenses incurred on in-patient treatment expenses of the insured anywhere across the globe.
      • Hospital Daily Cash Benefit - It pays a daily cash allowance to the insured for each day of hospitalization and doubles the cash amount for each day spent in the ICU for up to a specified period of days.
      • Fracture Care - It covers the medical expenses incurred due to fracture of bone(s) resulting from an accidental bodily injury.
      • Super Cumulative Bonus - It increases the cumulative bonus for each claim-free up to a specified amount.
      • Double Sum Insured Benefit - It doubles the sum insured amount once a year if the original coverage amount has been exhausted due to claims.

      Exclusions of Bajaj Allianz My Health Care Plan

      The Bajaj Allianz My Health Care plan excludes the following expenses:

      • Treatment for alcohol or drug addiction
      • Obesity and weight-control procedures
      • Sterility and infertility treatments
      • Plastic or cosmetic surgeries
      • Treatment for injuries due to participation in adventure or hazardous sports
      • Unproven treatments

      Bajaj Allianz My Health Care Plan Waiting Periods

      Check out the waiting periods applicable to the Bajaj Allianz My Health Care plan:

      Category Waiting Period
      Initial Waiting Period 30 days
      Specific Diseases/Procedures Waiting Period 2 years
      Pre-existing Diseases Waiting Period 3 years
      Maternity Expenses Waiting Period 3 years
      Baby Cover Waiting Period 3 years

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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