M-Care Health Insurance Policy

Customised Cover for Vector Borne Diseases

Buy M Care Health Insurance Policy

What is M-Care health insurance policy all about?

Introducing M-Care health insurance policy from Bajaj Allianz. Insure yourself from mosquito borne diseases like Dengue Fever, Malaria, Chikungunya, Zika Virus etc.  

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. 

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Key Benefits of M-Care health insurance policy 

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:

 

Cover for all

Cashless facility

20% discount applicable

Lifetime renewal option

Free look period

Different sum insured options

Why Health Insurance?

M-care Insurance Claim Process

Cashless Claims Procedure

Reimbursement Claims Process:

LET'S SIMPLIFY M-CARE HEALTH INSURANCE

How many diseases are covered in this policy?

The M-Care insurance policy cover 7 vector borne diseases, namely:

    ✓   Dengue Fever

    ✓   Malaria

    ✓   Filariasis(Payable only once in a lifetime)

    ✓   Kala Azar

    ✓   Chikungunya

    ✓   Japanese Encephalitis

    ✓  Zika Virus

What is the eligibility criteria for buying this cover?

This policy can be purchased for anyone between the ages of 18 to 65 years. You can also cover your dependent children under the age of 18 years in this policy. 

Does the policy cover the vector borne diseases from day one?

Any of the listed vector-borne disease diagnosed within the first 15 days of the date of commencement of the policy will not be covered. This exclusion will not apply for the subsequent years if your policy has been renewed without a break, provided there are no claims in the previous policy periods.

Is there any waiting period?

There is a waiting period in the following scenarios:

 ✓   In case the policy has been purchased after the occurrence of any of the listed vector-borne diseases:

 ✓   In case of renewal, where a benefit has been paid out in the previous policy period

In both cases, a 60 day waiting period (from the date of the previous admission) will be applicable for the specific ailment which was diagnosed/treated.

If there is any claim in my existing policy, is there any exclusion during renewal of my policy?

If the Policy is renewed within 60 days from the date of admission of the previously paid claim, a 60 days cooling off period shall apply for the same ailment in the renewed policy opted. However there will 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, then a fresh waiting period of 15 days shall apply for all listed vector-borne diseases.

OUR HAPPY CUSTOMERS!

Rama Anil Mate

The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.

Suresh Kadu

Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.

Ajay Bindra

Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.

Am I eligible for M-Care?

 

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.

M-Care health insurance policy premium chart 

M-Care health insurance policy premium chart

 

Members Covered Sum Insured No. of Claims Admissible
10,000 15,000 25,000 50,000 75,000
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

Important points to note before buying M-care insurance

What coverage do I get?

The Bajaj Allianz M-Care health insurance policy protects you from the financial impact of vector borne diseases..

Family cover

Floater policy for proposer, spouse, dependent children and dependent parents.

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

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The Bajaj Allianz M-Care health insurance policy protects you from the financial impact of vector borne diseases 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

2.       Malaria

3.       Filariasis(Payable only once in a lifetime)

4.       Kala Azar

5.       Chikungunya

6.       Japanese Encephalitis

7.       Zika Virus

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 However, this exclusion shall not be applicable in the below-listed countries however, this exclusion shall not be applicable in the below-listed countries

 

New Zealand Japan
Singapore Canada
Switzerland Dubai
USA Hong Kong
Malaysia Countries of the European Union
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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. 

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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. 

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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.

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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.

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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.