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Nov 30, 2023

Health Care Supreme: A Comprehensive Health Insurance Gem

In a world where uncertainties loom large, looking into robust health insurance plans is no longer a luxury but a necessity. The evolving healthcare landscape in India has given rise to the need for comprehensive health insurance coverage. One such notable offering is the Health Care Supreme plan, brought to you by Bajaj Allianz. It is a health insurance plan offered by the company aimed at offering holistic coverage to policyholders. This article delves into the intricacies of this comprehensive health insurance gem, shedding light on its coverage, add-ons, exclusions, and why it stands out in the world of health insurance.

Coverage Offered Under Health Care Supreme


The policy covers medical expenses that are incurred up to 60 days prior to your hospitalisation. However, these expenses should be for the same illness/injury that resulted in your hospitalisation and an inpatient claim should have been accepted under Benefit Hospitalisation expenses. Claims are subject to terms and conditions set forth under health insurance policy.*

Extensive Hospitalization Coverage

The plan covers hospitalization expenses, including room rent, nursing charges, etc. ensuring financial security during medical emergencies. Claims are subject to terms and conditions set forth under health insurance policy.*

ICU Charges

Health Care Supreme goes the extra mile by including ICU charges up to the sub-limits mentioned in the policy document. Claims are subject to terms and conditions set forth under health insurance policy.*

Daycare Procedures

The plan covers outpatient treatments and surgeries that don't require overnight stays, keeping up with the changing medical landscape. Claims are subject to terms and conditions set forth under health insurance policy.* The coverage under Health Care Supreme doesn't merely stop at the basics. It extends its arms to encompass a wide range of medical expenses, providing policyholders with a comprehensive blanket of protection. From the moment you step into a hospital, this plan takes care of various expenses, from essential medical costs to specialized treatments, leaving you with the peace of mind to focus on recovery.

What are the Add-ons Available with Health Care Supreme?

Critical Illness Cover

If the policyholder is diagnosed with a critical Illness from a pre-determined list during the policy period and fulfils any other additional criteria defined in the policy document, the insurance provider will pay the lump sum amount as specified in the policy. Claims are subject to terms and conditions set forth under health insurance policy.*

Personal Accident

The add-on provides financial support in case of accidental injuries or disabilities, offering additional peace of mind. Claims are subject to terms and conditions set forth under health insurance policy.*

Ancillary expenses

This add-on allows you to cover ancillary expenses that you might incur when you make a claim. Claims are subject to terms and conditions set forth under health insurance policy.* The ability to tailor your health insurance cover to your unique needs is a remarkable advantage, and Health Care Supreme understands this well. The add-ons available with this plan extend its coverage to areas often overlooked in traditional plans. By incorporating options like critical illness ancillary coverage, the plan promotes a proactive approach to health. Additionally, the personal accident add-on acknowledges that life's uncertainties extend beyond health issues, ensuring you're protected even in unforeseen accidents.

Exclusions Under Health Care Supreme

Pre-existing Conditions

Initially, pre-existing conditions might not be covered, but continuous coverage can lead to the lifting of these exclusions over time.

Cosmetic Surgeries and Non-Allopathic Treatments

Certain treatments like cosmetic surgeries and non-allopathic therapies might not be covered under the plan. It's important to recognize that no insurance plan can offer unlimited coverage. Health Care Supreme, while comprehensive, has certain exclusions to maintain its balance and affordability. Pre-existing conditions, a common exclusion across health insurance plans, are gradually included as you maintain continuous coverage. Moreover, exclusions for treatments like cosmetic surgeries and non-allopathic therapies ensure the plan remains focused on essential medical needs.


In a world where health uncertainties can disrupt the best-laid plans, having a comprehensive health insurance policy becomes a shield of reassurance. Health Care Supreme, offered by Bajaj Allianz, exemplifies the notion of comprehensive health coverage. From hospitalization expenses to add-ons that extend your protection, this plan ensures that you and your loved ones are safeguarded against the financial strains of medical emergencies. As you embark on the journey of securing your health and financial well-being, exploring plans like Health Care Supreme is a prudent step. By leveraging the advancements in the healthcare sector and embracing the protective umbrella of health insurance, you can stride ahead with confidence, knowing that your health is a priority well taken care of. In conclusion, Health Care Supreme isn't just a health insurance plan; it's a comprehensive safety net that stands as a testament to the evolution of the health insurance landscape in India. To get the right coverage for the right price, make sure you use a health insurance premium calculator before purchasing the plan. * Standard T&C Apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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