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Medical expenses don’t show up with a warning. Your best bet to avoid spending your hard-earned life savings towards hospital bills is a robust health insurance policy
With the Bajaj Allianz Family Health Insurance plan, each of your family members can avail an individual sum insured or you can opt for a Family Floater Plan. Your family enjoys cover from expenses incurred due to hospitalisation, doctor’s consultation, ambulance services, treatment charges and pre and post hospitalisation expenses.
What makes Bajaj Allianz Family Health Insurance policy special? Read on to know more about the features of this policy:
Sum insured options ranging from Rs 1.5 lakh to Rs 50 lakh, with two plan variants to choose from.
This policy covers you, your spouse and your children..
Under the Gold Plan, the policy covers in-patient hospitalisation expenses (up to Rs 20,000) incurred in a recognised Ayurvedic/homoeopathic hospital where the admission period is not less than 24 hours.
Medical expenses incurred during the treatment of listed daycare procedures or surgeries are covered under this policy.
In case of continuous hospitalisation of more than 10 days, you will be eligible for a benefit payout of Rs 5,000 per year, provided that the hospitalisation claim is admissible.
Under the Gold Plan, bariatric surgery is covered under medical advice, subject to certain terms and conditions.
In case your sum insured along with the cumulative bonus (if any) has been completely exhausted during the policy year, we will reinstate it.
The policy covers medical expenses 60 days immediately before and 90 days immediately after hospitalisation.
You can avail emergency ambulance services up to Rs 20,000 at the time of admission or discharge.
Expenses towards organ donor’s treatment for harvesting of the donated organ are covered under this policy.
A daily cash benefit of Rs 500 per day, for up to 10 days during each policy year, will be payable as accommodation expenses for one parent/legal guardian to stay with a minor insured under the policy, for an admissible claim.
Maternity expenses and medical expenses towards treatment of a newborn baby are covered under the policy subject to certain terms and conditions. This feature is available under the Gold Plan
Individual Health Insurance with a range of benefits. Watch the video to know more.
Bajaj Allianz General Insurance has introduced an app based claim submission process known as Health Claim by Direct Click.
This facility allows you to register and submit claim documents through the app itself for claims up to Rs 20,000.
What you need to do:
Cashless facility at network hospitals is available 24x7, throughout the year, without any interruption in service. The list of hospitals where cashless settlement can be availed is dynamic and liable to change without notice. You must check the hospital list before getting admitted. The updated list is available on our website and with our call center. Bajaj Allianz Health Card along with a government ID proof is mandatory at the time of availing cashless facility.
When you are opting for cashless claims, follow the steps given below:
Important points to note:
The cost of the above services have to be borne by you and paid directly to the hospital before discharge.
Reimbursement of pre/post hospitalisation expenses:
Relevant medical expenses incurred before admission and after discharge from the hospital will be reimbursed as per the policy. Prescriptions and bills/receipts of such services should be submitted to Bajaj Allianz General Insurance along with the duly signed claim form.
Documents required for reimbursement claim
All original documents need to be submitted to the following address:
Bajaj Allianz House, Airport Road, Yerawada, Pune-411006.
Mention your Policy Number, Health Card Number and Mobile Number clearly on the face of the envelope.
Note: Keep a photocopy of the documents and courier reference number for your records.
The Health Administration Team comprises of doctors and paramedics who are responsible for health underwriting and claims settlement. It is a single window assistance to all the health insurance policyholders for healthcare-related services. This in-house team resolves issues related to health insurance customers. The team ensures faster claim settlement as a single point of contact and is effective for quick resolution of customer queries.
The key components covered under our Family Health Insurance plan are quite comprehensive. You get cover from pre and post hospitalisation, medical bills, ambulance charges and a lot more.
Here are a few factors that will affect how much you pay towards a health insurance premium:
Under the Family Floater Health Insurance plan, you can cover yourself, your spouse and up to 4 dependent children. For parents and in-laws, you can opt for a separate health insurance policy..
Delhi/NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Bangalore, Kolkata, Ahmedabad, Vadodara and Surat. Health insurance policyholders paying Zone A premium rates can avail treatment all over India without any co-payment.
The rest of India apart from Zone A cities are classified as Zone B. Policyholders paying zone B premium rates and availing treatment in Zone A city will have to pay 20% co-payment on admissible claim amount. This co-payment will not be applicable for accidental hospitalisation. Those residing in Zone B can choose to pay a premium for Zone A and avail treatment all over India without any co-payment.
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.
This policy comes with the benefit of lifetime renewal.
Avail income tax benefit under Section 80D of the Income Tax Act.*
Hassle-free claim settlement
We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process....
Preventive health check-up
Free preventive health check- up at the end of a continuous period of 3 years during which your Family Health Insurance plan is active.
If you and your loved ones are insured under any other family health insurance policy, you can switch to...
This policy can be purchased for a period of 1, 2 or 3 years.
Discounts up to 20%
Avail a family discount of up to 15% in addition to the long term policy discount of 4% for 2 years and 8% for 3 years.
Pre and post hospitalisation cover
Covers pre and post hospitalisation expenses, the occurrence of which must be 60 days prior to hospitalisation or 90 days after hospitalisation.
Covers your entire family including your parents, parents-in-law, grandchildren, and dependent siblings.
Covers ambulance charges subject to a limit of Rs 20,000 in a policy year.
Covers expenses for all listed daycare treatments.
Organ donor expenses
Covers organ donor expenses sum insured.
A waiting period of 3 years will be applicable in case of pre-existing diseases.
Any disease contracted during the first 30 days of commencement of the health insurance policy ...
Diseases such as a hernia, piles, cataract and sinusitis will be covered after a waiting period of 2 years.
A waiting period of 3 years is applicable for bariatric surgery, joint replacement and prolapsed intervertebral disc.
Treatment for use of intoxicating and/or addictive substances such as alcohol, drugs, etc will not be covered.
A waiting period of 6 years for maternity/newborn expenses.
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.
Any disease contracted during the first 30 days of commencement of the health insurance policy will be excluded from the coverage. However, accidental injuries are covered during the waiting period.
*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.
We have an in-house claim settlement team that ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,000 network hospitals across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.
If you and your loved ones are insured under any other family health insurance policy, you can switch to this policy with all accrued benefits after due allowances for waiting periods and enjoy the available benefits of the policy.