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Health Insurance - Health Care Supreme

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Key Features

  • Sum insured options up to Rs. 50 lakhs
  • No restriction on maximum entry age
  • Free annual health check-up irrespective of claim history
  • Unique coverage like Air ambulance, physiotherapy expenses, maternity expenses etc

An invitation to good health

Your life-style choices can make a difference in your health, and each stage of life brings different health challenges and health care needs. We have a health insurance plan which will take care of the medical expenses at every stage of your life.

Health Care Supreme is a comprehensive plan with a wide range of coverage to fulfill all the healthcare needs of you and your family, at every stage of life. No matter what stage of life you're at, our policy will take care of your priorities. With Health Care Supreme, you will have the protection and peace of mind you need 24 hours a day, 365 days a year.

About Health Care Supreme

About Health Care Supreme

What Coverage Do I Get?

  • Complete package policy with wide range of coverage ,to stop unexpected health costs getting in the way of your life
  • Sum Insured options ranging from Rs.5 lac to Rs.50 lac on individual and floater Sum Insured basis
  • Option of choosing add on covers like Personal Accident, Critical Illness to top up your coverage
  • No restrictions on maximum entry age, min entry age is 3 months
  • Lifetime renewal option under the policy
  • Hospitalisation cover with no restrictions on Room rent and other expenses
  • Road ambulance expenses covered up to Sum Insured under hospitalisation section
  • Air Ambulance cover: Unique feature which covers, Expenses for ambulance transportation in an airplane or helicopter for emergency life threatening health conditions ,up to 10% of Hospitalization Sum Insured
  • Unlimited day care procedures covered
  • Sum Insured reinstatement option where 100% sum insured will be restored, in case Sum Insured under Hospitalisation expenses is exhausted
  • No Sub limits on Ayurvedic and Homoeopathic Hospitalisation treatment expenses
  • Maternity Benefit with new born baby cover up to Sum insured under Maternity cover, from 3rd year of policy
  • Outpatient expenses section covering dental treatments and psychiatric treatment expenses
  • Other special benefit covers like Recovery benefit, Physiotherapy expenses, Organ donor expenses
  • Free Annual Preventive health check up on every renewal, regardless of claim history
  • Exclusive email id for resolving any query within 24 hrs
  • Welcome call to our HCS customers coming on board
  • Priority at the IVR especially for HCS customers

Key Benefits

  • Cumulative Bonus of 10% of Sum Insured for each claim free year, max up to 50% of Sum Insured on Hospitalisation section
  • 15 days Free Look period for new policies
  • 30 days grace period for renewal, from policy expiry date
  • Cashless facility in around 5000+ network hospitals across India, for claims under Hospitalisation Section
  • In-house claims processing by Health Administration Team of Bajaj Allianz
  • Income Tax Benefit under Sec 80 D of the IT Act on the premium paid.

Add-on cover

The Health Care Supremepolicy also comes with some great add-on covers (optional), for total protection if you should ever be hospitalised! These are as follows:

Ancillary Expenses Benefit:
  • Vital Plan-SI Rs1000/- per day
    • Total Sum Insured of Rs30000/- for Individual SI option & Rs60000/-for Floater SI option
  • Smart Plan-SI Rs2000/- per day
    • Total Sum Insured of Rs 60000/- for Individual SI option &Rs 120000/-for Floater SI option
  • Ultimo Plan-SI Rs2500/- per day
    • Total Sum Insured of Rs75000/- for Individual SI option & Rs150000/-for Floater SI option
  • Two times benefit in case of admission in ICU
  • Maximum period of 30 days during each policy period
Critical Illness Benefit:
  • Coverage for 15 critical Illnesses
  • Sum Insured 5Lacs/ 10 Lacs
  • No 30 days Survival period
  • 90 days waiting period Applicable
Personal Accident Cover:
  • Death (due to accident) - 100% of Sum Insured
  • Permanent Total disability-200% Of SI
  • Permanent Partial Disability(due to accident)-As per the disability table
  • Temporary Total disability-As per the plan opted, Max. 100 weeks
  • Transportation benefit up to Rs.5000
  • Children education benefit Rs.5,000/- Each Of Up To 2 Dependent Children

Health Insurance claim status - just an SMS away!

Health claim status

Am I eligible for this policy?

  • Lifetime entry under medical expenses section
  • Entry Age for Proposer/Spouse/parents: 18 years to lifetime
  • Entry Age for Children: 3 months to 25 years
  • Lifetime Renewal option
  • Renewal up to 35 Years for Dependent Children Under Parents Policy, further lifetime renewal under seperate policy Proposer
  • Spouse, Dependent Children and Dependent Parents can be covered under Individual Policy
  • Proposer, Spouse, Dependent children can be covered under Family Floater Policy
  • Separate family floater policy can be taken for dependent parents
  • Sum Insured enhancement only at the time of renewals

Meet the best Health Administration Team

Health Administration Team

Exclusions

2 year waiting period for Pre existing diseases.

Exclusions for Hospitalisation Cover and Hospital Cash Daily Allowance Cover:
We shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or attributable to any of the following:

  • Circumcision unless required for the treatment of illness or accidental bodily injury, cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender.
  • War or act of war, nuclear, chemical or biological weapon and radiation of any kind.
  • Any form of plastic surgery unless necessary for the treatment of cancer, burns or accidental bodily injury
  • Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy
  • Intentional self-injury
  • Ailments requiring treatment due to use or abuse of any substance, drug or alcohol and treatment for de-addiction
  • Medical expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
  • Vitamins, tonics, nutritional supplements unless forming part of the treatment for injury or disease as certified by the attending docto
  • Treatment for any other system other than modern medicine (also known as Allopathy). This exclusion is not applicable for Ayurvedic and Homeopathic medicine expenses
  • Fertility, sub-fertility, impotence, assisted conception operation or sterilization procedure
  • Weight management services and treatment related to weight reduction programs

Exclusions for Critical Illness cover:
We shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or attributable to any of the following

  • Any critical Illness which is preexisting to the policy
  • Any Critical Illness diagnosed within the first 90 days of the date of commencement of the policy
  • Expenses arising from Any sexually transmitted diseases or HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS
  • Consequential losses of any kind or Your actual or alleged legal liability
  • Treatment arising from or traceable to pregnancy and related complications

Exclusions for Personal Accident cover:
We shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or attributable to any of the following:

  • Through suicide, attempted suicide or self-inflicted injury
  • Arising or resulting from you committing any breach of law with criminal intent
  • Whilst engaging in hazardous sports activities
  • Consequential losses of any kind or your actual or alleged legal liability
  • War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority
Disclaimer: The above exclusions are indicative in nature, for detail exclusions please refer to the policy wordings

Save Tax with Health Insurance

It's common knowledge that buying health insurance helps you to save tax. Under Section 80D of the Income Tax Act 1961, you can get a maximum tax benefit of Rs.15000 on health insurance premium paid. The exemption limits are as follows:

Members Details Tax Benefit
For Family Rs-25000/-
For Family + parents (Or Only Parents-below 60 years of age) Rs-50000/-
For Family + senior citizen parents (above 60 years of age) Rs- 55000/-
However, there are a few conditions:
  • You cannot claim tax benefit on health insurance premium paid for your in-laws.
  • Proof of payment of premium has to be furnished, in order to avail the tax benefit.
  • Except cash, any mode of payment is acceptable for claiming tax benefit.
  • The health insurance premium must be paid from your taxable income of that year only if you want to claim a deduction. If you have paid the premium from your savings or from gifts of money received by you, then you will not be eligible to claim tax benefit under Section 80D.
*Tax benefits are subject to changes in tax laws.

Tax Exemption

The health insurance premium that you pay for yourself, your dependents (spouse and children) and your parents, are all considered for tax benefit under Section 80D of the Income Tax Act 1961.


* The information given above is only indicative in nature. For details of the coverage and exclusions, please contact our nearest office.