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Introducing M-Care health insurance policy from Bajaj Allianz. Insure yourself from mosquito borne diseases like Dengue Fever, Malaria, Chikungunya, Zika Virus etc.
With the Bajaj Allianz Family Health Insurance
If electric mosquito swatters or fly repellent sprays are a constant on your monthly
shopping list, then you need no introduction to the misery that airborne vectors are capable
of causing. A good night’s sleep is subject to the whims of these tiny little creatures in a
country with a climate like ours. While you may be quick to spot a new anti-mosquito product
at the supermarket, the results you get may not be worth the money you spend.
These techniques are, after all, quick fixes and do not protect you from getting infected. If you do fall ill due to a vector borne disease, you may have no provisions to cover the costs of treatment. Also, the cost of an average hospital stay can run into six figures very quickly!
Now, Bajaj Allianz M-Care health insurance helps you take on this health hazard and perhaps for the first time, win! We bring you a one of a kind health insurance policy that takes care of any financial setbacks that might occur due to medical treatment on account of vector borne illnesses. While a mosquito bite may hurt for a few seconds, any medical expenses resulting from it can take a much bigger bite out of your wallet and peace of mind. With Bajaj Allianz M-Care health insurance, you can now experience true freedom from worry. It’s the ideal health insurance policy for family that you may have been looking for!
Like soothing music, it can help you regain a sense of calm should the doctor’s diagnosis say that you have malaria or dengue. If diagnosed during the policy period, you are covered from any medical expenses. Unlike mosquito repellent, M-Care health insurance works!
Our cashless health insurance policy makes paying the bills effortless, leaving you cheerful both during and after treatment. With M-Care health insurance, you’ll have an aura that exudes calm and confidence, much to the surprise of your friends and family! We’re sure you’d happily tell them the secret- the first ever health insurance policy for family that exclusively covers vector borne illnesses.
Regardless of the weather, Bajaj Allianz M-Care health insurance makes sure that you are
never caught unprepared. In the event of a medical emergency due to vector borne
illnesses, we even offer you a discount on premium if you buy the policy online! After
all, a burden shared is a burden halved.
From diagnosis to recovery, you’ll surely feel the difference with the Bajaj Allianz M-Care health insurance policy cover by your side! Acting in tandem with your doctor, this one of a kind medical insurance policy helps you get back on your feet quickly by giving you comprehensive benefits:
Floater policy for proposer/spouse/dependent children/dependent parents Sum insured options ranging from Rs 1.5 lakh to Rs 50 lakh, with two plan variants to choose from.
Access to the cashless facility (subject to cashless authorization and limit of benefits)
20% discount applicable if a customer buys this health insurance policy from our website
Lifetime renewal benefit is available
Free look period of 15 days
Sum insured options of minimum Rs. 10,000 and maximum Rs. 75,000
Individual Health Insurance with a range of benefits. Watch the video to know more.
Filing claims on your M-Care plan is easy and effortless. After all, setting new benchmarks in terms of turnaround time has been a key part of our commitment to you!
Claims can be made either via the cashless or reimbursement mode. Here is how it works
Firstly, cashless claim settlement is only available at network hospitals subject to the terms and conditions of your M-Care policy such as cashless authorisation and Limit of Benefits.
OK! Let’s walk you through the process for filing a cashless claim. You need to:
You can opt for reimursement if:
Here’s how our reimbursement claims process works:
Documents to be submitted for filing a claim:
i) Claim Form duly signed by the insured along with NEFT Form signed by the Claimant.
ii) Copy of Discharge Summary / Discharge Certificate
iii) Attested copies of Indoor case papers
iv) Copy of Final Hospital Bill
v) All required Investigation Reports
vi) Medical certification from specialist
vii) In cases where a fraud is suspected, we may call for any additional document(s) in addition to the documents listed above
viii) Aaadhar card & PAN card Copies is as per the IRDAI guidelines read with.
We provide cover for 7 vector borne diseases, namely:
✓ Dengue Fever
✓ Filariasis(Payable only once in a lifetime)
✓ Kala Azar
✓ Japanese Encephalitis
✓ Zika Virus
The eligibility for the cover is as follows:
✓ Minimum Entry age for proposer/ spouse/ dependent parents – 18 years
✓ Maximum Entry age for proposer/ spouse/ dependent parents – 65 years
✓ Minimum Entry age for dependent children – 0 days
Any of the listed vector-borne disease diagnosed within the first 15 days of the date of commencement of the Policy is excluded. This exclusion shall not apply to an Insured/Insured Persons, as the case may be, for whom coverage has been renewed without a break, for subsequent years provided there are NIL claims in the previous Policies.
If the health insurance policy has opted after an occurrence of any of the listed vector-borne diseases, a 60 days waiting period shall be applicable for the specific ailment from the date of the previous admission. However once a benefit is paid during the Policy Period and the Named Insured renews the Policy, in such scenario for the renewal Policy, 60 days waiting period from the date of the previous admission would apply for the specific ailment of which a claim has been paid.
If the Policy is renewed within 60 days from the date of admission of the
previously paid claim for the named Insured/Insured Persons, as the case may
be, a 60 days cooling off period shall apply for the same ailment in the
renewed policy opted, however there would be no waiting period for other
listed vector-borne diseases.
If the Policy is renewed post 60 days from the date of admission of the previously paid claim for the named Insured/Insured Persons, as the case may be, then a fresh waiting period of 15 days shall apply for all listed vector-borne diseases.
The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.
Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.
Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.
Frankly, no one should have to suffer from vector-borne diseases. Bajaj Allianz M-Care health insurance is ideal to ensure that you and your family are not exposed to such health risks. From the cradle to up to 65 years of age, our medical insurance policy gives you financial immunity that eases your worries. If you find yourself recovering faster than you anticipated, your M-Care health insurance policy might just have something to do with it!
Here are the eligibility criteria for coverage under this medical insurance policy.
Minimum Entry age for proposer/ spouse/ dependent parents – 18 years
Maximum Entry age for proposer/ spouse/ dependent parents – 65 years
Minimum Entry age for dependent children – 0 days
Whether small or large, our health insurance policy for family gives you incomparable peace of mind, should medical expenses due to vector borne diseases arise.
|Members Covered||Sum Insured||No. of Claims Admissible|
|1 Member||160||240||400||800||1200||1 Claim|
|2 Member-Floater||240||360||600||1200||1200||1 Claim|
|3 or 4 Member-Floater||320||480||800||1600||2400||2 Claims|
|5 or 6 Member-Floater||400||600||1000||2000||3000||2 Claims|
What coverage do I get?
The Bajaj Allianz M-Care health insurance policy protects you from the financial impact of vector borne diseases..
Any Treatment other than for vector-borne diseases as listed coverage section.
Admission to hospital for less than 24 hours.
Diagnosis and treatment outside India.
However, this exclusion shall not be applicable in the below-listed countries
Like a world class pole vault athlete.
M-Care health insurance gains momentum after a brief run-up! If you’re diagnosed with a vector-borne disease
A 60 day waiting period
A 60 day waiting period will be applicable for any pre-existing illnesses
A 60 day cooling off period
If you renew your M-Care Health Insurance Policy within 60 days of the date of the
Waiting period of 15 days
If your M-Care Health Insurance Policy is renewed 60 days after the date of admission
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
However, this exclusion shall not be applicable in the below-listed countries
|Malaysia||Countries of the European Union|
Like a wide brimmed hat that gives respite from the harsh sun, the Bajaj Allianz M-Care health insurance
policy protects you from the financial impact of vector borne diseases. It is like a coat of armour
offering several coverage options depending on your specific needs. If you are diagnosed during the
policy period, we cover you from a host of diseases. Wondering what those are? Read on.
1. Dengue Fever
3. Filariasis(Payable only once in a lifetime)
4. Kala Azar
6. Japanese Encephalitis
7. Zika Virus
*On opting for Family Health Insurance policy for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.
M-Care health insurance gains momentum after a brief run-up! If you’re diagnosed with a vector-borne disease within the first 15 days of the date of commencement of your Health Insurance Policy, coverage is excluded. However if you have renewed an existing health insurance policy, we will be happy to provide coverage. Here, there is a caveat! For coverage to be applicable there must be no claims made in the previous year
A 60 day waiting period will be applicable for any pre-existing illnesses for which you have undergone treatment prior to taking out your M-Care Health Insurance Policy. However if you have made a claim and renew your health insurance policy the following year, a 60 day waiting period would be applicable from the date of the last treatment for the specific condition for which a claim was made previously.
If you renew your M-Care Health Insurance Policy within 60 days of the date of the last paid claim, a 60 day cooling off period shall apply for the same ailment on renewal; however, there would be no waiting period for any other listed vector-borne diseases.
If your M-Care Health Insurance Policy is renewed 60 days after the date of admission of the previously paid claim, then a fresh waiting period of 15 days shall apply for all listed vector-borne diseases under the policy.